THE IUL – TMC Capital Group

Cash accumulation
Interest rate of up to 15%
Safety of funds (guaranteed minimum interest rate) No losses due to market decline
Tax advantage (tax free withdrawals & tax-free loans)
Permanent life insurance protection which provides medical benefits for qualified illnesses as well as lump sum cash payout in case of death
Protection against law suits, judgement, divorce or any legal action.
Access to your money at any age, no age restriction
Life Time Income after accumulating for as little as 7 years
Loan interest rate less than 1%
Flexibility, Inputs may vary up or down and changes in coverage can be made

Term insurance is only for a term such as 10yrs, 20yrs or 30yrs
To receive money from Term Insurance the insured must die within the term
If the insured does not die within the term then all premiums paid over the years are kept by the insurance company.
As a result, many people with Term Insurance end up late in life with No insurance and in many cases, they can longer purchase insurance due to age or poor health.
Term Insurance does not provide Cash Accumulation
No flexibility, (No payment, No insurance coverage).

These products either offer a low fixed rate of interest on your cash or they are invested in the market which:

Has No Floor or Guaranteed Minimum interest rate
Subject to Market Losses which could wipe out a large portion of your cash overnight

The interest rate in Banks are extremely low and provides little or no growth. Some interest rates are as low as .001% which is almost nothing.
Any growth on money in the bank is Taxable. Tax could eat away over 25% of your earnings
There is no life insurance attached to your savings in the bank. In case of major illness or death your family gets only the amount that you have saved

The money in these accounts are mostly invested in the market.
No safety, you could lose a large portion of your savings overnight
You must pay taxes when withdrawing funds
You also pay penalty if you touch your money before a certain age.
No life insurance attached to these accounts. In case of major illness or death your family gets only what you have in the account.
These accounts come with various age restrictions

Your money is mostly invested in the stock market. You could lose a significant portion of your money overnight.
This is a taxable account
Comes with many restrictions including age restrictions
No life Insurance. In case of major illness or death your family gets only the amount that you have saved in the account.

You could lose a large portion of your money overnight due to stock market decline
Comes with many restrictions. It restricts how much money you can put into the account and it restricts how much you can take out.
Various Age Restrictions regarding when you can access your cash etc.
No Life Insurance. In case of major illness or death your family gets only what you have in your account.

Mostly low fixed interest rate (generally 3 – 4%)
You could be required to wait 10 – 15 years before you can touch your money
Some Annuities does not allow Lump Sum payout you must accept small periodic payouts
Gains are taxable
No Life Insurance. In case of major illness or death your family gets only what you have in the account.

Funds are mostly in the stock market. No Guarantees, No Floor. You could lose a large portion of your money overnight.
Gains are Taxable
No life Insurance. In case of major illness or death your family gets only what you have in the account.

No interest on your money, No Growth with money under the mattress
No safety, subject to thieves
In case of major illness or death your family receives only the amount that you have saved under the mattress