You’re in the Right Place — Here’s What You Saw in the Email
Let’s walk you through how modern Living Benefits work, and help you see what you may qualify for in about 60 seconds.
Less than 1% of agents nationwide can even offer it
If you’re serious about building long-term wealth and protection, you should see how this structure balances growth potential, cost control, flexibility, and access to cash value.
What Living Benefits Actually Do
Living Benefits allow you to access money from your life insurance policy while you’re still alive.
They activate during:
Major illness
Injury
Chronic conditions
Long-term care events
This money can replace lost income, pay medical bills, or keep your family financially stable during a crisis.
Why This Matters Today
Healthcare costs are rising.
Income protection gaps are widening.
Older insurance simply doesn’t cover today’s risks.
Call (866) 965-7623
Here’s what makes this IUL unmatched:
This is not just an insurance policy.
It’s a wealth-building tool designed for growth, flexibility, and protection.
No-Cap Index Options → Unlimited growth potential
Multiple Index Choices → With high participation rates some over 200%
Bonus Riders → Add up to 7% extra interest on top of index returns.
Cost-Reduction Riders → Lower insurance costs can Be Between 25%–50% on average
No-Lapse Guarantee Riders → Protection for Up to 40 years
Multi-Insured Flexibility → Insure up to 5 Adults on the same policy
Reduced Surrender Fees → Earlier access to cash value
Why Compass Road
Call: 1 866-965-7623
We help families, business owners and professionals access modern, compliant insurance strategies that combine protection with tax-advantaged accumulation.
From dozens of IUL designs, this configuration consistently checks the most boxes for qualified clients seeking efficient growth potential, cost management, and flexibility.
CORE BENEFITS (SUBJECT TO CARRIER AVAILABILITY)
No-Cap Index Options
Where available, crediting strategies with no stated cap can allow more upside participation when indices perform.
Multiple Index Choices
Diversified index options; high participation rates may be available on select strategies (commonly 200%+), subject to change by carrier/state..
Bonus Credit Options
Optional riders/strategies can add bonus interest on top of index credits (e.g., up to +7% where offered) with associated charges.
Cost-Reduction Features
Design choices aimed at lowering relative internal charges versus traditional layouts. Actual costs vary by age, class, face amount, and state.
No-Lapse Protection Options
Riders that can help keep coverage in force for a defined period (e.g., up to 40 years), per terms and funding requirements.
Liquidity & Access
Designs targeting earlier liquidity and more efficient access to cash value versus traditional structures (availability varies)..
Ready to Start Your Growth Journey?
Have Questions?
Frequently Asked Questions
Find answers to our most frequently asked questions here.
Is an Indexed Universal Life (IUL) policy an investment in the stock market?
No. IULs are insurance policies. The cash value is credited based on the performance of an external index, but your money is not invested directly in the market.
What does “no-cap” mean?
Traditional IULs often limit growth with a cap. A “no-cap” crediting option removes that ceiling, allowing more potential upside. Actual participation rates, spreads, and carrier rules still apply.
Can I lose money in this policy?
IULs typically include a 0% floor on index crediting, which means your cash value won’t decrease due to negative index performance. Policy charges, loans, and withdrawals can reduce values.
How soon can I access my money?
With the right design, many clients gain earlier access to cash value compared to traditional structures. Exact timing depends on policy funding, carrier rules, and your state.
What makes this IUL different from others?
This design offers features that fewer than 1% of agents nationwide can access: no-cap index strategies, high participation rates (up to 245%), bonus credits, and cost-reduction riders.
Who is this IUL best suited for?
People seeking permanent coverage, tax-advantaged accumulation, and long-term wealth strategies. Business owners, professionals, and families looking for flexibility often find it compelling.
What happens if I miss a payment?
Like any IUL, premiums must be sufficient to cover policy charges. Riders such as no-lapse guarantees can help keep coverage in force, depending on carrier and funding levels.
TESTIMONIALS
What others are saying
– Mackenzie R., Arizona
“Compass Road explained the moving parts clearly and showed how to keep costs in check while maximizing cash value.”
–Malvin B., Nor Cal
“I didn’t realize how different IUL designs could be. This structure was far more efficient for my goals.”
– Harry S., FL
“Professional, numbers-first approach. We saw the assumptions, the costs, and the options side-by-side.”
Joel Barnehama
CA License 0H32477
Life insurance you do not have to Die to Use
Tax Free Retirement
Asset Protection
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Disclaimer
This is a life insurance policy, not an investment. Guarantees are subject to the claims-paying ability of the issuing insurance company. Product features, riders, and availability may vary by product and by state. Indexed crediting is subject to caps, participation rates, and policy charges. Past performance is not indicative of future results. This material is for educational purposes only and is not intended to provide tax, legal, or investment advice. information is for educational purposes only and does not constitute financial or legal advice. Product details, fees, and costs will be fully disclosed during your private strategy session.