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BUILD WEALTH BY BECOMING YOUR OWN BANK
The Best Financial Strategy to Build Wealth
Watch This Short Video to Learn How This Financial Tool Can Be Powerful to You and Your Family
If any of these apply to you, then an IUL is for You!
Managing multiple health, life, and long-term care policies-or depending solely on employer-provided insurance-can drain your finances with rising premiums and offer no guaranteed returns. This fragmented approach complicates your financial planning, limits growth potential, and exposes you to unexpected coverage gaps, leaving you unprepared for the future.
As an independent contractor or self-employed professional, you may face higher tax burdens without the benefits of employer-sponsored retirement plans. The lack of structured retirement planning often results in missed tax advantages, insufficient savings growth, and financial uncertainty in retirement, leaving you exposed to market volatility and unplanned expenses.
Traditional savings accounts offer low-interest rates that often fail to outpace inflation, eroding the value of your money over time. They lack meaningful growth potential and come with tax disadvantages, as any earned interest is taxable income. With no tax deferral or sheltering benefits, your savings can stagnate, leaving you unprepared for long-term financial goals or unforeseen expenses.
IUL PROTECTS
Protect and Grow Your Wealth with More Than Just Savings
An IUL safeguards your money by investing around 90% of your premium, with historical returns averaging between 5-15%-and sometimes even higher-tax-free. Unlike traditional accounts, your money grows without being taxed, and you have the flexibility to withdraw funds whenever needed, without penalties or tax liabilities, providing both growth and peace of mind.
Ready to take control of your finances?
Maximize Tax-Free Growth and Refunds
With an IUL, a large portion fo your premium works for you in two ways.
Not only does it grow tax-free within your policy, but you can also recvieve up to 80% of yoru
contribution back as part of your annual tax return. This dual benefit lets your savings grow while putting more money in your pocket each year. The results? Your wealth compounds within the IUL, and with IRS refunds, you essentially double the impact of yoru contrinbutions- growing your savings faster and securing a stable financial future,
IUL PROTECTS
You Can Be Your Own Bank
IUL gives you the financial freedom banks can’t match. Unlike savings accounts restricted by regulations like Regulation D, you can borrow against your IUL’s cash value anytime-without credit checks, penalties, or strict repayment schedules. Your money continues to grow tax-free with average returns between 5-15%, even when borrowed. Beyond personal use, an IUL helps you build a legacy for your children or loved ones. Use it to fund education, handle emergencies, or support future goals-all while keeping your savings growing. It’s the ultimate financial tool, offering control, growth, and security for you and your family
Watch Your Wealth Grow While Beating Inflation
With an IUL, your savings grow alongside market performance, providing the potential for higher, tax-free returns that outpace inflation. This ensures your wealth retains its value over time, unlike traditional bank savings accounts, which offer fixed, low-interest rates that often fail to keep up with rising costs. Instead of watching your purchasing power decline, an IUL allows your savings to grow steadily while offering flexibility to access funds when needed. It’s a powerful way to safeguard and build your wealth, ensuring your money works harder for you now and well into the future.
IUL PROTECTS
Monitor, Grow, and Access Your Wealth with Easev
An IUL gives you more than just savings-it offers a dynamic way to build wealth while staying in control. With easy access to track performance, monitor growth, and adjust, your savings stay aligned with your financial goals. Your premiums grow tax-free, earning competitive returns without market risk, all while remaining accessible for emergencies, investments, or major life milestones. With an IUL, you’re not just saving-you’re building a strategy that evolves with you, offering flexibility, growth, and long-term security.
Secure Your Future and Protect Your Loved Ones
An IUL goes beyond savings by offering a powerful combination of
wealth growth and protection. It provides a guaranteed death benefit to safeguard your family’s financial future, along with optional health coverage for added security. With an IUL, you’re not just building wealth -you’re ensuring your loved ones are taken care of, no matter what life brings. Traditional bank savings accounts can’t offer this level of protection or flexibility. With an IUL, you can grow your savings, protect your legacy, and provide your family with long-term financial peace of mind.
Your Finance is Our Priority!
At Cencio Investment, our clients always come first. We take pride in personalizing every IUL to align with your unique financial goals and lifestyle. Our job is to set up a financial tool that not only fits comfortably within your budget today but also grows with you, providing lasting value for the next decades. We are committed to ensuring that your IUL remains a powerful asset, tailored to support your long-term financial well-being. With us, you can expect 100% satisfaction because your future security and peace of mind are our top priorities.
Our services come at no direct cost to you because we are compensated by partnering with top IUL providers match you with the plan that best aligns to with your financial needs and goals. This allows us to focus entirely on helping you select the ideal solution without any pressure, ensuring that the IUL we recommend fits seamlessly within your budget and supports your long-term financial success. Our commitment is to guide you through every step of the process, giving you confidence that the plan you choose will offer lasting benefits for years to come
Enjoy personalized customer service, with our team readily available to address any questions or needs, providing continuous support throughout your IUL journey. You'll also have access to your cash account through the insurer's website and mobile app, with our team on hand to assist you with setup, navigation, or any additional support you may require.
Feeling Confused or Undecided?
Testimonial
Client Feedback & Reviews
Cencio Investment has a wealth of knowledge and experience in the financial industry. They've helped me navigate the ups and downs of the market and have always provided me with sound advice. I'm grateful for their expertise and would recommend them to anyone looking for a trusted financial partner.
I've been working with Cencio Investment for several years now, and I couldn't be happier with their services. Their personalized approach and dedication to client success are truly commendable. They've helped me grow my portfolio significantly while managing risk effectively. I'm confident that my financial future is in good hands with Cencio Investment
I was initially hesitant to entrust my finances to a firm, but Cencio Investment quickly dispelled my doubts. Their team is highly responsive and always available to answer my questions. They've helped me develop a comprehensive financial plan that aligns with my lifestyle and aspirations. I'm truly impressed by their professionalism and dedication
Our Team of Professionals
CEO & BROKER AGENT
CEO & FINANCIAL ADVISOR
Broker Agent
Broker Agent
Full Stack Digital Designer
Why Choose Cencio Investment?
Connecting You with the Nation's Leading IUL Providers!
We collaborate with the top 9 Indexed Universal Life (IUL) providers in
the United States to ensure you receive the highest quality products
and services.
Our team of highly trained agents follows strict procedures to comply
with Division of Insurance regulations, ensuring the utmost privacy and
satisfaction for our clients.
