Eligibility for an IUL depends on your age and health. Answer four quick questions and a licensed agent will confirm whether you qualify. Free, no obligation.
Four quick details. A licensed agent reviews your request and tells you plainly whether this fits.
A licensed Wavepoint East agent is reviewing your request and will reach out shortly.
Do you know who Ted Benna is? In 1980 he used a provision of the Revenue Act of 1978 to build the first 401(k) plan. That's right — 1978. Recent, isn't it?
Benna has since said he helped create a "monster." He never intended the 401(k) to be anyone's primary retirement vehicle. He designed it as a supplement to pensions. Then pensions vanished, and the supplement became the whole plan.
The vast majority of Americans now hold a 401(k) or an IRA. But that money is exposed to two threats most people never plan for:
The most sophisticated planners know taxes are one of the first problems to solve, because you'll live off after-tax dollars. Federal income tax rates today sit near their lowest point in a century. Where do you think they'll be in 10 or 20 years, with the national debt where it is? Probably higher.
A properly structured strategy is protected from market losses. In a year the index falls, your credited rate is zero — you don't participate in the loss. Your money doesn't ride the crash down, so it never has to spend years climbing back to break even.
The chart shows a hypothetical $100,000 from 2000 to 2023: direct market exposure versus the same money protected from losses and capped on the upside.
Here's the honest trade-off, because we'd rather you hear it from us. The protected line never has a losing year, and it sails through the 2002 and 2008 crashes untouched. In exchange, a cap limits how much you capture in the very best years. You give up some ceiling so the floor never drops out from under you. Near retirement, avoiding a 30% loss matters far more than catching every point of a rally.
Most people come to us for the retirement piece. Then they find out what else the policy is doing at the same time.
Your cash value tracks a market index but is protected from market losses, so a down year in the index does not take principal off the table. Structured properly, you access that money later through policy loans, which are not taxable income under current law.
Every policy is built on a death benefit, and families often structure $1M to $2M or more of coverage. That death benefit is not a bonus. It is the reason the tax treatment exists. This is life insurance, not an investment account.
Optional living benefit riders let you access a large share of your death benefit, as much as 80% with some carriers, if you are diagnosed with a chronic, critical, or terminal illness. If you are self-employed and cannot work, that is cash when you need it most.
Coverage amounts, rider availability, and benefit limits vary by carrier, state, age, health, and income. Figures shown are illustrative, not guaranteed, and not an offer of coverage. Full disclosures below.
We are brokers, not captive agents. No single company signs our checks, so we shop the design across carriers and bring you the one that fits.
Every carrier we place business with is rated A− or better by AM Best, the agency that has graded insurer financial strength since 1899. The rating answers one question. Can this company pay its claims decades from now?
Carrier names identify companies Wavepoint East is appointed with. They do not sponsor, endorse, or approve Wavepoint East or this website, and all names and marks belong to their respective owners. Financial strength ratings are opinions of the rating agencies, are not a guarantee, and are subject to change. Confirm a carrier’s current rating before purchasing.
You work directly with a licensed specialist who designs your strategy and stays with you through approval. No call centers, no handoffs.
Webb co-founded Wavepoint East and leads case design and client strategy. He spends his days translating dense carrier illustrations into plain numbers people can actually act on.
His focus is simple. Understand where your money is going today, then show you a clearer path built around your real income and goals.
Nicholas co-founded Wavepoint East with Webb to bring honest, numbers-first retirement planning to business owners and high earners across Florida and beyond.
He and Webb built the agency on a single standard. Every recommendation has to hold up when you see the full illustration, line by line. If it does not fit, he will tell you.
One conversation. A licensed specialist reviews your age, health, and goals, then tells you plainly whether this fits.
Eligibility depends on your age and health. A licensed agent reviews every request personally. Free, no obligation.
A licensed Wavepoint East agent is reviewing your request and will reach out shortly to confirm whether you qualify.
