Use Your Savings Without Stopping the Growth
When you take money out of most accounts, it stops growing for good. See how an indexed account lets you use your savings while the full amount keeps compounding.
Keep your money working
In this example, you borrow $30,000 and your full $100,000 keeps earning. Take it from a 401(k), IRA or Roth (from earnings) before 59½ instead, and you’d need to withdraw $45,455 after taxes and penalties.
No market losses
In a down market year, an indexed account is credited zero, not a loss. Your 401(k), IRA and Roth rise and fall with the market.
Repay on your schedule
You choose how and when to repay your loan. In this example, $3,885 a year for 10 years, and your account reaches $352,365 by 65.
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Hypothetical illustration for educational purposes only; not a projection or guarantee and not tax advice. Assumes $100,000 in each account at age 45 and $30,000 needed at 45; 6.5% a year for the IRA, Roth and indexed account; bank 4% with interest taxed yearly at 24%; traditional IRA/401(k) withdrawals taxed at 24% plus a 10% penalty before 59½; Roth withdrawal assumed from earnings (24% tax plus 10% penalty before 59½); Roth contributions can generally be withdrawn tax- and penalty-free. State tax not included. The −20% market year is shown for illustration. Indexed account: charges assumed paid from premiums and not shown; variable loan at 5% (variable loan rates can change and are typically capped around 6%) repaid through premiums over 10 years ($3,885 a year); the same amount is added to every other account. Loan interest accrues even in a year the account is credited 0%. The indexed account shown is an indexed universal life insurance policy; it requires underwriting and does not directly invest in any index. Policy loans are generally tax-free while the policy stays in force and is not a modified endowment contract; if it lapses with a loan outstanding, the gain can become taxable. Browning Insurance Agency LLC, Colorado agency license #615914.
