Licensed Insurance Agent

John Park

I have been building financial services products since the start of my career 30 years ago starting with investing and financial planning products for both Prodigy and Ameritrade. Most recently I was the General Manager for HomePay, a division of Care.com, a tax and payroll services provider for +30k clients.

I look forward to working with you to ensure that your family is not only protected, but that you can plan how to enjoy your life in retirement.

Call - 908.739.6292

Text - 908.739.6292

Licensed in the following states - NY, NJ, CA, PA, VA, GA, TX, FL, OH, MI, NC, IN

Use an IUL to protect your Family and Home while growing your retirement savings tax free!

Tax Free Cash Growth
Tax Free Loans
Living Benefits
Death Benefits
Tax Free Wealth Transfer

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What is IUL or Indexed Life Insurance?

An IUL (Indexed Universal Life) insurance policy is a type of permanent life insurance that includes both a death benefit and a cash value component. The cash value grows based on the performance of a stock market index, such as the S&P 500, but with certain caps and floors to limit gains and losses.

Key Features of an IUL:

Flexible Premiums – You can adjust the amount and timing of your premium payments.
Indexed-Based Growth – The cash value grows based on a stock index, but your money is not directly invested in the market.
Caps & Floors – There is typically a cap on gains (e.g., 10-12%) and a floor on losses (often 0% or 1%), meaning you don’t lose money in market downturns.
Tax Advantages – The cash value grows tax-free, and you can borrow against it tax-free in many cases.
Death Benefit – Pays out to your beneficiaries tax-free.

An IUL is Insurance for Living Life!

Protects You in Life as well as Death

With living benefits like coverage for disability, critical and terminal illnesses, you are protected if you can't work to pay those bills or are facing astronomical expenses related to your care.

Tax Free Retirement Income

From tax free income growth to penalty free loans against the cash value of your policy, an IUL will provide income and a pool of funds to access at will.

Tax Free Wealth Transfer

No estate taxes, probates or complications with reconciling your estate against your creditors. Your loved ones get the funds necessary to transition in your absence.

IUL Example

Steve and Alyssa

Steve is 52, healthy and lives in New Jersey. Steve and Alyssa recently sold their home as empty nesters and had some money already saved to plan for retirement.
They purchased a $500,000 IUL Policy

The total premium is paid over 5 years to "max fund" at $100,000 per year.

The example assumes a conversative return of 6.44% EOY

Death and Life Benefits:
Includes Critical, Chronic and Terminal Illness coverage.

Starting - $1,238,459

Year 20 - $1,474,061

Year 30 - $2,843,993

Cash Value/Surrender Value:
Penalty free loans and withdrawals can be taken from this amount. This can also include scheduled loans to disbursed to pay for retirement living.