There's a Smarter Alternative
to Your 401(k)
Stop losing money to taxes, market crashes, and forced withdrawals. Discover how an IUL can give you tax-free growth, guaranteed protection, and total control of your retirement.
Everything is complimentary. No obligation.
The Retirement Trap Most People Don't See Coming
Taxes Eat Your 401(k)
Every dollar you withdraw from your 401(k) is taxed as ordinary income. After 30 years of saving, you could lose 30-40% to Uncle Sam.
Market Crashes Hit Hardest at Retirement
A 2008-style crash right before retirement can cut your 401(k) in half—and you may not have time to recover.
Forced Withdrawals (RMDs)
At age 73, the IRS forces you to withdraw money whether you need it or not—creating taxable income and potentially pushing you into a higher bracket.
401(k) vs IUL: A Side-by-Side Comparison
See why an IUL outperforms traditional retirement accounts in every category that matters.
With A Traditional 401(k)...
Taxed on Every Withdrawal
All distributions taxed as ordinary income—up to 37%.
Exposed to Market Losses
Your balance drops when the market drops. No floor.
Locked Until 59½
Early withdrawals hit with 10% penalty plus income tax.
Contribution Limits
Capped at $23,500/year ($31,000 if 50+) in 2025.
Required Minimum Distributions
Forced withdrawals starting at 73, even if you don't need the money.
With An IUL Account...
Tax-Free Withdrawals
Access your money tax-free through policy loans. No 1099s.
0% Floor Protection
Your account never loses value when markets crash. Guaranteed.
Access Anytime
No age restrictions, no penalties, no waiting period.
No Contribution Limits
Fund your policy based on your goals, not IRS caps.
No RMDs Ever
Keep your money growing as long as you want. Your choice.
Get Your Free 401(k) vs IUL Analysis
Compare your options with a free, personalized illustration.
Why Choose an IUL?
Discover the advantages of indexed universal life insurance for retirement planning.
Tax-Free Growth
Your money grows without taxes and can be accessed tax-free in retirement.
Downside Protection
Your principal is protected from market losses. Zero market risk.
Living Benefits
Access up to $1M tax-free if diagnosed with critical, chronic, or terminal illness.
Penalty-Free Access
Access your money when you need it—no 10% early withdrawal penalties.
Death Benefit Included
Leave a tax-free legacy to your loved ones.
No Contribution Limits
Unlike 401(k) and IRA, there are no IRS contribution limits.
Is an IUL Right for You?
If you've been diligently contributing to your 401(k) but worry about taxes eating into your retirement, an IUL could be the missing piece. It's designed for people who want more control, more protection, and zero tax on withdrawals.
There isn't one best IUL policy for everyone. The right fit depends on the cap and floor, participation rate, fees, and how the policy is funded over time.
Not sure if you qualify? Complete the form below to see your options. No medical exam required for initial consultation.
Ready to See If IUL Is Right for You?
Get a personalized retirement analysis in minutes. No obligation, no pressure.
Protect Your Family While You're Still Living
The Care4Life 2.0 rider allows you to access a portion of your death benefit tax-free if you're diagnosed with a critical, chronic, or terminal illness.
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Critical Illness
Up to 25% of death benefit (max $250,000) for cancer, stroke, heart attack, and more.
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Chronic Illness
Up to 50% of death benefit (max $1M) if you can't perform 2 of 6 daily activities.
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Terminal Illness
Up to 75% of death benefit (max $1M) if life expectancy is 12 months or less.
* There is no charge for this rider. A one-time administrative fee may apply if benefits are activated.
Learn If You Qualify for Living BenefitsWhy This Matters
Medical expenses are the #1 cause of bankruptcy in America. With Living Benefits, you can access your own money tax-free to cover:
- Medical bills not covered by insurance
- Lost income from inability to work
- Home modifications for accessibility
- Quality of life expenses
Protect Your Family's Financial Future
Discover how Living Benefits can provide tax-free income if you face a critical illness.
Meet Troy D. Roddy, LUTCF
CEO / Managing Partner of Roddy Life Planning Group, LLC, Troy has been helping families protect their financial futures for over 30 years.
Based in Lake Wylie, South Carolina, Troy and his team offer unbiased, customized solutions that put clients first. With partnerships including Ameritas and National Life, Troy has access to innovative product solutions backed by A+ rated carriers.
30++
Years Experience
20+
States Licensed
"Let us help you with what you care about the most."
Schedule Your Free Call with TroyWhat Our Clients Say
Real stories from real clients who transformed their retirement planning.
Join 500+ Families Who Chose Tax-Free Retirement
See what an IUL can do for your financial future.
Frequently Asked Questions
Get answers to common questions about IUL and retirement planning.
You can't directly roll a 401(k) into an IUL, but you can use 401(k) distributions or other savings to fund an IUL policy. Many clients use a combination strategy—keeping some funds in their 401(k) while building tax-free income through an IUL. Troy can help you evaluate the best approach for your situation.
An IUL offers several advantages: tax-free withdrawals, no contribution limits, downside protection with a 0% floor, no required minimum distributions, and living benefits. However, an IUL is best used alongside—not necessarily instead of—your employer match. We'll help you find the right balance.
When you leave an employer, you typically have four options: leave it, roll it to a new employer's plan, roll it into an IRA, or take a distribution. An IUL funded from other income can complement any of these choices by building a separate tax-free income stream.
IULs have caps on maximum returns (typically 10-12%), cost of insurance charges, and require consistent funding to perform optimally. They are not get-rich-quick products. However, the guaranteed 0% floor means you never lose principal to market downturns.
Contributions depend on your age, health, and retirement goals. Most clients contribute $300-$800+ per month. During your free consultation, Troy will provide a personalized illustration showing projected growth based on your specific numbers.
Living Benefits allow you to access a portion of your death benefit tax-free if diagnosed with a critical, chronic, or terminal illness. The Care4Life 2.0 rider is included at no additional charge on qualifying policies.
No. We are licensed insurance professionals, not financial advisors or tax attorneys. We recommend consulting with your own financial and tax professionals before making any decisions.
Your consultation and retirement analysis are completely complimentary. No obligation, no pressure. If you decide to move forward, premiums vary based on your age, health, and coverage goals.
Schedule Your Free 401(k) Analysis
Discover how much more retirement income you could have. No obligation, no pressure.
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Ready to Move Beyond Your 401(k)?
See what a tax-free retirement strategy could do for your financial future.
Get Started NowOr call us directly: (708) 738-3805