THE GAME PLAN · ISSUE #2

Film Session 🏈

What we covered on the 10/6 live call

 

What's good, fam,

On Tuesday 10/6 we ran our first PIKNIC Group Live with real people on the call. Thank you to everyone who pulled up. If you missed it, here's the film.

What we covered

01  The 5 Homes of Money: liquidity, safety of principal, tax treatment, growth and protection, and where your money lives today.

02  How an IUL works: permanent life insurance with cash value linked to a market index, with a floor and a cap.

03  Trade-offs: what it costs, why it takes time, and when term coverage is the smarter first move.

The FAQ everybody wanted

"Can I lose money?"
Index credits have a 0% floor, so a down market won't credit you negative. Policy fees and charges still come out, so we go through your illustration line by line.
 
"Is it tax-free?"
I say tax-advantaged. Cash value grows tax-deferred, and policy loans generally aren't taxed when the policy is set up and kept in force correctly. Check your situation with your tax pro.
 
"How much do I need to start?"
It depends on your age, health and goals. That's what a 1-on-1 Game Plan meeting is for.
 
"Is IUL right for everybody?"
No. It works best when you fund it consistently over years. Sometimes the right play is term now and permanent coverage later.

NEXT LIVE CALL

Tuesday 10/20 · 8:00 PM ET

Free on Google Meet. Bring your questions and bring someone who needs to hear this.

Register for 10/20 →

Want to talk about your own situation? Book a Game Plan meeting.

Stay ready,
Parry Nickerson
PIKNIC Group Agency

For educational purposes only; not tax, legal or investment advice. Any examples are hypothetical. Policy guarantees depend on the claims-paying ability of the issuing insurer. Loans and withdrawals reduce cash value and the death benefit and may cause the policy to lapse. Parry Nickerson, FL Agent License G117953. PIKNIC Group Agency, FL Agency License L135450.

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