Secure Your Future with an Indexed Universal Life Policy
Welcome to Long Financial Services — your trusted partner in crafting personalized insurance solutions to secure and enhance your financial future. Let's protect what matters most together.
An Indexed Universal Life (IUL) policy is more than just life insurance—it’s a versatile financial tool that protects your family while helping you build long-term wealth.
Here’s why an IUL stands out:
Lifelong coverage with the flexibility to adjust premiums and benefits as your needs change
Market-linked growth potential, paired with 0% floor to protect against market losses
But these are just the beginning. An IUL also offers tax-advantaged cash value growth and the potential to supplement your retirement income. Ready to discover how it works? Watch the video now to see how an IUL can secure your future!
Ready to learn more? Enter your details to unlock the IUL video and take the first step toward financial security!
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Tailored strategies to secure your future, including investment management, tax-efficient savings, and income planning, ensuring a confident and fulfilling retirement journey.
Testimonials
Jasmine Richards
Switched over to Long Financial Services to set up my 403(b) and secure life insurance coverage. Their process was refreshingly straightforward, the rates were fair, and I’m feeling more confident about my financial future. It’s reassuring to know I’m in good hands.
Monica Chandler
After exploring several providers, Long Financial made rolling over my 401(k) completely hassle-free, and their life insurance offerings provided reliable protection at highly competitive rates. They’re definitely worth considering.
Thomas Krazinski
Long Financial Services streamlined my retirement planning. Their approach was reassuring and simplified, helping me feel secure about my future finances.
FAQs
Quick Answers to Your Insurance Queries
What are the benefits of an indexed annuity?
An indexed annuity combines market-linked growth with guaranteed protection from losses. It allows your savings to grow during market upswings while shielding your principal during downturns. Additionally, it can provide a steady income stream in retirement, offering both growth and financial security.
How does an IUL policy grow cash value safely?
An IUL grows cash value by linking to a stock market index, offering growth potential with a cap and protection through a 0% floor. This means you can participate in market gains while being shielded from market losses, ensuring your cash value doesn’t decrease during downturns.
What is the difference between term and whole life insurance?
Term life insurance provides protection for a specific period and pays out only if death occurs during the policy term. Whole life insurance provides lifelong coverage and includes a cash value component.
How much coverage do I need?
The amount of coverage needed varies based on your financial situation, lifestyle, and future obligations.
Can I update or change my coverage as my circumstances change?
Yes, you can update or modify your policy to adapt to new circumstances. Whether its a change in marital status, the purchase of a new property, or a new addition to the family, our agents can assist you in adjusting your policy accordingly.
What retirement planning services do you offer?
We comprehensive retirement planning tailored to your unique goals. Our services include 401(k) and 403(b) plan setup and management, individual retirement accounts (IRAs), tax-efficient strategies, and personalized financial planning. We aim to help you build a secure and fulfilling retirement.