Bright Horizon Financial Services | Trusted by 500+ Families Nationwide
What If You Never Had to Pay Taxes on Your Retirement Income Again?
30-Min
Zoom From Home
Zero Obligation
500+
Families Protected
Only 8 slots left this week
The 401(k) Tax Trap
You maxed out your 401(k) for 30 years. $800,000 saved. But after taxes? Only $480,000. The IRS takes $320,000. Your neighbor with IUL? Pays $0 in taxes.
Term Insurance Expires Worthless
20 years of premiums. Thousands of dollars paid. Your term ends. You have nothing. Want to renew? $750/month—if you even qualify.
529 Plans Hurt Financial Aid
You saved $80,000 for college. Responsible. But it cost your daughter $22,000 in lost financial aid. Plus, if she gets scholarships? Your money is trapped.
You Deserve to Keep What You've Earned
The system was designed to extract maximum taxes and lock your money away. What if you could flip the script? Build wealth the IRS can't touch, protect your family permanently, and control your own timeline?
That's Indexed Universal Life Insurance.
Financial Security You Control—Not the Government
A financial account that grows with the market, stays protected in crashes, gives tax-free income for life, and protects your family permanently.
Family Protected Forever
Unlike term insurance that expires, your family is protected for life. No matter when you pass, they're financially secure.
$0 Taxes in Retirement
Withdraw $60,000 from your IUL: $0 tax. Your neighbor with a 401(k): $18,000 tax. Over 25 years, that's $450,000 you keep.
0% Floor Protection
Market crashes 30%? You lose $0. The 0% floor protects you. Market recovers? You participate in gains. Never lose money in downturns.
This Is For People Like You
The Smart Planner
Tired of 30-40% taxes
Make $80K+
Maxed out 401(k)
Want control
"Bright Horizon showed me I'd lose $380K to taxes. We restructured. Now building $85K/year tax-free."
— Michael J.
The Family Protector
Have spouse & kids
Building a legacy
Want protection + wealth
Term insurance expiring
Converted to IUL. Now building $340K cash value PLUS permanent $500K protection."
— Amanda L.
The Legacy Builder
Planning for kids
Want flexibility
Sick of 529 penalties
Generational wealth
"Bright Horizon showed me I'd lose $380K to taxes. We restructured. Now building $85K/year tax-free."
— Michael J.
$200/month each kid. By 18: $50K available. By 65: $900K each. Giving them choices." — Sarah & Tom
The 0% Floor That Changes Everything
Think of a ladder to retirement. Each rung is your account value.
Market UP
You climb the ladder and capture market gains
+10-12%
Cap on gains
Market DOWN
You stay put—protected by the 0% floor
0%
Floor protection
The 0% Floor That Changes Everything
Think of a ladder to retirement. Each rung is your account value.
Market UP
You climb the ladder and capture market gains
+10-12%
Cap on gains
Market DOWN
You stay put—protected by the 0% floor
0%
Floor protection
What's The Catch?
You have to actually star
IUL Works Best When
Good health
Consistent premiums
10+ years until retirement
Long-term wealth focus
Higher premiums
5 years older = Higher premiums
Lost growth = $90,000 less in cash value
Health changes = May not qualify
People regret waiting to start, not starting
Why 500+ Families Trust Us
Independent Advisors
We shop 20+ carriers for YOUR best policy—not ours.
No Jargon
Plain English. No surprises. You'll understand everything.
IUL Specialists
500+ families. $47M+ in benefits. We know IUL inside-out.
Lifetime Partners
Annual reviews. Ongoing support. We're with you for life.
Why 500+ Families Trust Us
Independent Advisors
We shop 20+ carriers for YOUR best policy—not ours.
No Jargon
Plain English. No surprises. You'll understand everything.
IUL Specialists
500+ families. $47M+ in benefits. We know IUL inside-out.
Lifetime Partners
Annual reviews. Ongoing support. We're with you for life.
500+
Families Protected
$47M+
Benefits Secured
$12M+
Cash Value
4.9/5
Rating
The Cost of Waiting
Sarah waited 5 years
Lost $67,000 + $940/year higher premiums
John waited
Health changed. Now pays $380/month extra
Right now
You're healthy
Premiums based on current age
You have options
John waited
Older (higher premiums)
Lost cash value growth
Health might change
Zero risk. 30 minutes. What if it IS right for you?
FAQ
Your Top Questions Answered
How much does it cost?
$200-$1,500/month for most families. We'll show YOUR exact numbers on the call.
Is it better than my 401(k)?
It complements it. Do both. Max your 401(k) match, then use IUL for tax-free income.
What if the market crashes?
You lose $0. The 0% floor protects you completely.
Can I really access money tax-free?
Yes, through policy loans. Been this way for 100+ years.
What if I can't pay premiums?
Flexible. Cash value can cover it, or reduce death benefit to lower premiums.
Why haven't I heard of this?
Financial advisors lose fees if you use IUL. It's been reserved for the wealthy. Now accessible to you.
Q: How much does it cost?
A: $200-$1,500/month for most families. We'll show YOUR exact numbers on the call.
Q: Is it better than my 401(k)?
A: It complements it. Do both. Max your 401(k) match, then use IUL for tax-free income.
Q: What if the market crashes?
A: You lose $0. The 0% floor protects you completely.
Q: Can I really access money tax-free?
A: Yes, through policy loans. Been this way for 100+ years.
Q: What if I can't pay premiums?
A: Flexible. Cash value can cover it, or reduce death benefit to lower premiums.
Q: Why haven't I heard of this?
A: Financial advisors lose fees if you use IUL. It's been reserved for the wealthy. Now accessible to you.
Two Paths. Your Choice.
Do Nothing
5 years pass. Term expired. 401(k) at $900K,
but really $540K after taxes. Paying more. Wish you'd acted.
Wish you'd acted.
Take Action
30-minute Zoom call. Start policy.
Keep $450K more than 401(k) friends.
10 years: $75K cash value. 20 years: $60K/year tax-free.
Which path?
Your Family Is Counting On You
You're here because something isn't working. Most people will close this page. But you're different.
One 30-minute Zoom call could change everything
What You Get
YOUR specific numbers
Tax savings projection
Honest assessment
All questions answered
Zero pressure
What You Risk By Not Calling
Losing 30-40% to taxes
Term insurance expiring
Missing growth years
Higher premiums
Wish I'd started sooner
30 minutes. From your home. Can you afford NOT to?
Free consultation. Zero obligation.
🔒 Confidential | ⭐ 4.9/5 Rating | 🎯 5 Spots Left
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