IncomeForever™
Lifetime Income You Can Count On
A modern approach combining leveraged life insurance and indexed annuities to create durable retirement income
15-18 minute comprehensive presentation explaining the IncomeForever™ strategy
The Retirement Income Problem
Traditional strategies are failing modern retirees. Here's why
Low Interest Rates
Traditional "safe" bonds and CDs no longer provide meaningful income. What yielded 5-7% a decade ago now yields 1-3%, forcing retirees to take more risk or deplete principal faster.
Market Volatility Risk
Sequence of returns risk can devastate retirement plans. A market crash in the first years of retirement, when you're withdrawing funds, can permanently impair your portfolio's ability to recover.
Longevity Risk
Living longer is wonderful... unless you outlive your money. A 65-year-old couple has a 50% chance that one spouse lives to age 92, and a 25% chance one reaches 97. Can your plan sustain 30+ years of withdrawals?
Inflation Erosion
Even modest 3% inflation cuts purchasing power in half over 24 years. What costs $50,000 today will cost $100,000 in two decades. Fixed income strategies become poverty plans.
Pension Extinction
Previous generations had pensions providing guaranteed lifetime income. Today's retirees must create their own "pension" from retirement savings, a complex challenge most aren't equipped to solve.
The 4% Rule Myth
The traditional "4% withdrawal rule" was based on historical data that may not apply to today's environment of low yields and high valuations. Many experts now suggest 3% or less, requiring larger nest eggs.
The Result?
Retirees face an impossible choice: take unacceptable risks in volatile markets, or accept unacceptably low income from "safe" investments. Many live in constant fear of running out of money, unable to enjoy retirement.
IncomeForever™ solves this problem with a completely different approach.
How IncomeForever™ Works
A proven three-step strategy that creates durable, tax-efficient lifetime income
Build the Foundation
Fixed Indexed Annuities for guaranteed income base
We begin by establishing a guaranteed lifetime income floor using Fixed Indexed Annuities (FIAs) with income riders. This provides:
- ✓Guaranteed Growth: Income base grows at guaranteed rates (typically 5-8%) regardless of market performance
- ✓Downside Protection: Principal protected from market losses. You never go backwards
- ✓Lifetime Income: Convert to guaranteed income you can never outlive at any point
- ✓Flexibility: Access principal if needed (subject to surrender schedule), or let it grow
Example: A $500,000 FIA with 7% income rider compounds to $1.4 million income base in 15 years, providing $70,000-90,000/year guaranteed lifetime income, regardless of market performance.
Accumulation Phase Visual
7% guaranteed annual growth on income base (illustration purposes)
Add the Lever
BrightLeverage strategy for accelerated growth and increased tax-free recurring income
How Leverage Works Safely
Fund BrightLeverage Policy
$250K to $4M
Over 5-7 years
Leverage and Accelerate Cash Value Growth
Over 10-15 years
Access via Policy Loans
TAX-FREE
$100K to $1M in Tax Free Lifelong Income starting in 15 years
Death Benefit
$1.5M+
Tax-free legacy for heirs
The second pillar uses BrightLeverage Indexed Universal Life insurance to create tax-free supplemental income and preserve wealth for heirs:
- ✓Tax-Free Growth: Cash value grows tax-deferred, indexed to markets with downside protection
- ✓Tax-Free Access: Policy loans provide tax-free income that doesn't count as income for taxation, Medicare premiums, or Social Security means testing
- ✓Legacy Protection: Significant death benefit ensures wealth transfer to heirs, even after taking lifetime income
- ✓Creditor Protection: In most states, life insurance cash value is protected from creditors and lawsuits
The Leverage Effect: By using policy loans against cash value rather than withdrawals, the death benefit remains intact. This allows you to enjoy income in retirement while preserving a significant legacy, something impossible with traditional IRA withdrawals.
Create Durable Income
Multiple income streams with tax diversification and flexibility
Social Security
Optimized claiming strategy
FIA Income
Guaranteed lifetime base
BrightLeverage Loans
Tax-free supplemental income
Investments
Strategic withdrawals
The Power of Integration
✓Tax Diversification
Combine taxable (Social Security), tax-deferred (IRAs), and tax-free (BrightLeverage loans) income streams to minimize lifetime tax burden and control marginal rates.
✓Flexibility & Control
Adjust income sources year-by-year based on tax rates, required distributions, healthcare subsidies, and personal needs. You're in control.
✓Longevity Protection
FIA income is guaranteed for life, eliminating longevity risk. Even if you live to 105, the income never stops.
✓Legacy Preservation
BrightLeverage death benefit ensures significant tax-free wealth transfer to heirs, even after decades of income, impossible with traditional withdrawal strategies.
The IncomeForever™ Video Series
Deep dive into the strategy with our comprehensive 5-part educational series
The Retirement Income Crisis
12 minutes
Understand the fundamental challenges facing today's retirees and why traditional advice may no longer work.
The Foundation: Understanding Indexed Annuities
15 minutes
Learn how Fixed Indexed Annuities provide guaranteed income growth and downside protection, the foundation of IncomeForever™.
The Lever: BrightLeverage
18 minutes
Discover how strategic use of life insurance creates tax-free income while preserving wealth for heirs, the "lever" that amplifies results.
Putting It Together: Your IncomeForever™ Strategy
20 minutes
See how all the pieces fit together to create a comprehensive strategy that addresses income, taxes, longevity, and legacy.
Case Studies and Real Examples
15 minutes
Watch real (anonymized) examples of IncomeForever™ strategies in action. See how different clients at various ages, asset levels, and situations have implemented the strategy, and the results they've achieved. This episode brings theory to life with concrete numbers and outcomes.
Why This Works
Mathematical and historical validation of the strategy
Mathematical Foundation
Guaranteed Growth Compounds
FIA income riders guarantee 5-8% annual compound growth on the income base, regardless of market performance. This guarantee eliminates sequence of returns risk during accumulation.
Example: $500K at 7% guaranteed growth = $1.38M income base in 15 years, no market risk.
Tax-Free Multiplication
BrightLeverage policy loans are tax-free, meaning you keep 100% of the income. Compare to IRA withdrawals taxed at 20-35%, and the multiplication effect becomes clear.
$50K tax-free = $65K-77K equivalent taxable income. Over 30 years, that's $450K-810K in tax savings.
Legacy Leverage
Traditional strategies deplete principal. IncomeForever™ preserves, and often enhances, the death benefit even after decades of income through policy loan structures.
Take $50K/year for 25 years ($1.25M total income) and still leave $1M+ death benefit.
Historical Validation
Back-Testing Results
When back-tested across multiple historical periods, including the 2000-2002 tech crash, 2008 financial crisis, and 2020 pandemic, IncomeForever™ strategies consistently outperformed traditional approaches:
- • 30% higher lifetime income vs 4% withdrawal rule
- • Zero years with negative returns (vs 30% of years for 60/40 portfolio)
- • Average 8.2% effective yield on income base (vs 3-4% traditional)
- • 100% survival rate to age 95+ (vs 70% for traditional strategies)
vs. The 4% Rule
The traditional 4% withdrawal rule was based on 30-year retirements with specific market conditions. Modern analysis shows it may only be safe at 2.5-3% in today's environment.
IncomeForever™ comparison on $1M portfolio:
4% Rule (Conservative)
$40,000/yr
May deplete by age 90
IncomeForever™
$65,000/yr
Guaranteed for life
Stress Testing
The strategy has been stress tested against worst-case scenarios:
Market Crash
2008-level crash in first year of retirement: Income unaffected, guarantees intact
Extreme Longevity
Living to 105: Income continues, legacy remains intact
High Inflation
Sustained 5% inflation: Strategy adjusts, purchasing power protected via growth
Who Is IncomeForever™ For?
Ideal candidates for this strategy
Age Range: 35-50 (Optimal)
The strategy works best when implemented 5-15 years before retirement, allowing time for guaranteed growth and tax-efficient positioning. Can work outside this range depending on circumstances.
Asset Level: $500K+ Retirement Savings
The strategy requires meaningful assets to implement effectively. Typical allocation is 30-60% of retirement portfolio to IncomeForever™ components, with remainder in traditional investments.
Good to Excellent Health (for BrightLeverage component)
The life insurance component requires underwriting. Most people in their 50s and 60s qualify for standard or better rates. Health issues don't disqualify you, but may affect pricing or design.
Legacy-Minded
While the income benefits alone justify the strategy, it's ideal for those who want to leave a meaningful tax-free legacy while enjoying retirement, not forcing an either/or choice.
Concerned About Longevity & Market Risk
If you're worried about outliving your money or suffering market losses in retirement, this strategy directly addresses those fears with guarantees and downside protection.
Tax-Sensitive & Strategic
The strategy offers significant tax advantages. Ideal for those with substantial tax-deferred accounts (IRAs) looking for tax diversification and lower lifetime tax burden.
Who This ISN'T For
- • Those needing immediate liquidity (strategy requires 5-7 year commitment)
- • Severe health issues making life insurance unaffordable or unavailable
- • Those uncomfortable with complexity (requires understanding multiple components)
- • Very young (under 45) without specific estate planning needs
- • Very old (over 75) where timing doesn't allow optimal implementation
Getting Started
Our proven process for implementing IncomeForever™
Initial Consultation (Complimentary)
We'll discuss your situation, goals, and whether IncomeForever™ makes sense for you. No obligation, no sales pressure, just education and evaluation. (30-45 minutes)
Data Gathering & Analysis
If we determine the strategy is appropriate, we'll gather detailed financial information to create custom illustrations and projections tailored to your situation. (1-2 weeks)
Strategy Presentation
We'll present detailed illustrations showing exactly how IncomeForever™ would work for you: projected income, tax benefits, legacy outcomes, and comparisons to traditional approaches. (90 minutes)
Implementation
If you decide to proceed, we'll guide you through applications, underwriting (for BrightLeverage), funding, and setup. We handle the heavy lifting and coordinate everything. (4-8 weeks depending on underwriting)
Ongoing Management & Reviews
Once implemented, we provide ongoing service, annual reviews, and adjustments as needed. Your IncomeForever™ strategy evolves with your life and financial situation.
Investment Required
There is no fee for IncomeForever™ strategy design, illustrations, or implementation. Compensation comes from commissions on the annuity and life insurance products, paid by the carriers, not by you.
If you choose to include comprehensive financial planning or ongoing investment management, those services have separate fees disclosed upfront.
Frequently Asked Questions
Is this too good to be true?
It sounds too good. We get it. But it's not magic, it's math. The strategy works because:
- 1. Insurance companies can offer guarantees because they invest conservatively and pool risk
- 2. Life insurance has unique tax treatment (IRC Section 7702) allowing tax-free growth and access
- 3. Strategic leverage (policy loans) allows income without depleting the death benefit
- 4. Integration of multiple tools creates synergies impossible with single-product approaches
The "catch" is complexity, commitment (5-7 years), and underwriting requirements, but no hidden fees or tricks.
What are the risks?
Every strategy has tradeoffs. IncomeForever™ risks include:
- Liquidity: Both FIAs and BrightLeverage have surrender periods (typically 7-10 years). Early access incurs penalties.
- Carrier Risk: While highly rated carriers are used, insurance company financial strength matters.
- Complexity: Multi-component strategies require understanding and coordination.
- Opportunity Cost: Guarantees come at cost of upside potential vs aggressive stock portfolios.
- Policy Loan Risk: Excessive loans can lapse BrightLeverage policies if not managed properly.
We address all risks transparently and design strategies to mitigate them. No perfect solution exists, but for many, IncomeForever™'s risk profile is preferable to market-dependent strategies.
How is this different from buying annuities and life insurance separately?
The power is in the integration. Buying products separately misses critical synergies:
- • Tax Diversification: Layering tax-free, taxable, and tax-deferred income streams
- • Flexibility: Multiple income sources provide options, adjust year-by-year
- • Optimization: Size and timing of each component is calibrated to maximize outcomes
- • Legacy Enhancement: BrightLeverage death benefit offsets annuity income base depletion
Individual products are tools. IncomeForever™ is the architectural plan that makes them work together.
What if I need my money before retirement?
IncomeForever™ is designed for retirement income, not short-term access. However:
- • You typically allocate only 30-60% of portfolio to IncomeForever™ components
- • Remaining assets stay liquid in traditional investments for emergencies
- • After surrender periods (7-10 years), full liquidity returns
- • Emergency access is possible (with penalties) if truly needed
Proper planning ensures adequate emergency reserves separate from IncomeForever™ components.
How do you get paid? Are there hidden fees?
Complete transparency: We earn commissions from the insurance carriers on the FIA and BrightLeverage products. These commissions:
- • Are paid by the carrier, not deducted from your premium
- • Are one-time payments (no ongoing fees)
- • Range from 3-7% of premium depending on product
- • Are fully disclosed before implementation
The FIA and BrightLeverage products have no ongoing management fees, unlike mutual funds or managed accounts. What you put in grows (or is guaranteed) without annual fee drag.
Can I implement this myself?
Technically yes, all components are available through licensed agents. Practically, we don't recommend it:
- • Product selection requires deep knowledge of 100+ carriers and 1000+ products
- • Sizing and timing each component requires sophisticated modeling
- • Tax optimization requires coordination with CPAs and understanding tax code
- • Underwriting optimization for BrightLeverage requires experience with multiple carriers
- • Ongoing management and adjustments require specialized expertise
DIY may save commission, but likely results in suboptimal outcomes. The value is in the strategy design, not just product access.
Ready to Create Your IncomeForever™ Strategy?
Schedule a complimentary consultation to explore whether IncomeForever™ is right for your situation. No obligation, no sales pressure, just education and custom analysis.
Join hundreds of retirees who have secured lifetime income with IncomeForever™