07/01/2026
One of the biggest risks in retirement isn't just market volatility...
It's running out of income.
When your retirement account loses value during a market downturn, you may have to withdraw a smaller percentage of your savings to reduce the risk of depleting your nest egg. That's one reason you've probably heard about the traditional "4% rule" for retirement withdrawals.
Many people are surprised to learn that some Indexed Universal Life (IUL) strategies are designed differently. Because properly structured IUL policies have a **0% floor that protects against credited market losses**, they can reduce one of the biggest challenges retirees face: **sequence of returns risk**.
That doesn't mean an IUL guarantees you can withdraw 6% every year. The amount you can sustainably access depends on your policy design, funding, crediting strategy, costs, and your individual circumstances. But for the right person, an IUL can be a valuable part of a retirement income strategy designed to provide flexibility and protection.
The goal isn't simply to accumulate wealth.
It's to create a retirement where your money works for you while helping you enjoy life with greater confidence and peace of mind.
š¬ Comment **"IUL"** if you'd like to see a personalized illustration of how an Indexed Universal Life policy could fit into your retirement strategy.
