Protect What Matters Most
Your Health with Your Wellness Partner
A Science + Nature Collaboration
We believe that nature offers the best way to nourish your body, strengthen your cells, and help you live your most vibrant life — simple solutions, backed by science.
Precision Nutrition, Precisely for You
We take your health personally. Optimize your well-being with natural, precision Farmaceuticals that target the root cause of your health imbalances.
Solutions That Last
Healthy Aging
Daily Health
Detox
Energy
Gut Health
Healthy Aging
Hormone Support
Immunity
Kids Health
Mood
Personal Care
Protein
Skin Care
Sleep
Weight Management
Wellness Tech
Key advantages of an Indexed Universal Life (IUL)
✅ Tax-Free Death Benefit
- The payout to beneficiaries is generally income tax-free under IRS Code §101(a)
- This can provide a significant estate-planning advantage.
✅ Tax-Free Retirement Income
- With a 401(k), you pay taxes later when you withdraw.
- With an IUL, you can take loans or withdrawals tax-free (if structured properly).
✅Tax-Free Policy Loans
- You can borrow against your cash value without triggering taxable income, as long as the policy stays in force
- Loans are typically not reported as income, so you can access money for retirement or emergencies without taxes.
✅. No Market Losses
- A 401(k) is directly tied to the stock market, so if it drops, you lose money.
- An IUL protects your cash value with a floor (usually 0%) – you don’t lose money in down years, but you still earn interest when the market goes up (up to a cap).The cash value inside the IUL grows tax-deferred, meaning you don’t pay taxes each year on interest or index credits.
✅Access Before Age 59½
- 401(k): Big penalties if you take money out early.
- IUL: You can access your money at any age without penalties.
✅ No Contribution Limits
- 401(k): Strict yearly limits (around $23k in 2025).
- IUL: No hard limits – you can put in much more, depending on your income and the policy structure.
✅Life Insurance Benefit
- 401(k): Only savings, no protection.
- IUL: Comes with a death benefit that pays your family if you pass away. If owned by an irrevocable trust, the death benefit can be kept outside your taxable estate, reducing estate taxes for high-net-worth individuals.
