Don't Just Save
Your Down Payment, Activate It
Turn your home funding into lifetime income—without additional cost.
What Is Indexed Universal Life (IUL)?
1. Death Benefit + Cash Value
- Indexed Universal Life (IUL) Insurance is a type of permanent life insurance that combines:
- Death Benefit - Provides financial protection for beneficiaries.
- Cash Value Growth - Accumulates cash value based on the performance of a stock market index (e.g., S&P 500) while offering downside protection.
2. Based on S&P 500. What is the S&P 500?
The S&P 500 (Standard & Poor's 500) is a stock market index that tracks the 500 largest publicly traded companies in the U.S. It is widely used as a benchmark for overall market performance and economic health.
Insurance isn't a cost
It's your financial achitecture when structured right.
Many people wonder: "Why should I pay expensive premiums when I just want to save?"
That question is valid—but only under the assumption that insurance is purely a cost. With Remnant Complete, the structure changes.
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Complete
IUL + Home Mortgage Loan =
Insurance + Home + Retirement
A solution that transforms life insurance from a cost into a structured asset—integrating protection and home financing to convert your down payment into a lifelong engine of growth, security, and tax-free retirement income.
How We Convert Costs into Structure
1. Save Smart, Not Idle
Instead of parking your down payment in a low-interest savings account, you contribute it into a Indexed Universal Life (IUL) policy—designed for growth with market-linked returns and downside protection.
2. Unlock 100% Financing
Your IUL's cash value becomes proof of financial strength, allowing you to secure 100% mortgage financing without a traditional cash down.
3. Keep Growing While You Own
Even after the mortgage is funded, your IUL continues to grow—tax-deferred—potentially building long-term wealth that supports retirement and life insurance coverage.
4. Built-in Safety Net
In hardship or unexpected situations, your policy's cash value can help cover up to 24 months of mortgage payments, avoiding foreclosure and protecting your home.
5. Retirement Ready
In the long term, your policy transitions into a powerful asset, enabling tax-free income in retirement while preserving a death benefit for your family.
Compare IUL with investing in index funds or ETFs within a 401(k) or IRA tax plan.
| Feature | 401(k) / IRA (Indexed Funds/ETF) | Indexed Universal Life (IUL) |
|---|---|---|
| Market Loss Exposure | Yes | No (0% Floor Protection) |
| Annual Contribution Limit | Yes (Strict) | Higher (Flexible with IRS Guidelines) |
| Tax on Withdrawals | Taxed as Income | Tax-free via Loans |
| Liquidity Before Age 59½ | Penalties Apply | Accessible (Loan/Withdrawal) |
| Required Min. Distributions (RMD) | Yes at 73 | None |
| Death Benefit | None | Yes |
Why tie up your down payment? Grow it. Access it. Protect with it. Remnant makes it possible.
See How Remnant Makes it Possible →
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