Financial Strategies Consulting

The book My Family Financial Miracle is one of the most enlightening books on the power of Index Universal Life.  The author, Merle Gilley takes the reader through his own experience as a business owner and through extensive research game to the decision that Index Universal Life Insurance was the best place to direct the proceeds from the sale of his business. 


To receive a copy of this interesting book, please complete the form below. 

The Power of Life Insurance

There is no greater need in society today than for every family to have life insurance. Life insurance is that little love letter from the deceased that says, “I love you enough to make sure you are OK financially after I am gone.” It is especially needed now, when we have serious economic issues facing America. Taxes are going up, income is stagnant and retirement benefits are dropping like a rock. Our parents had defined benefit plans to subsidize retirement along with Social Security. Today, most individuals have been made personally responsible for their our own retirement plans in the form of 401(k)s, IRAs and other retirement vehicles.  Additionally, we are told that Social Security might not be there for many of us.

Because of all of this economic strife, the increase debt of our government and the likelihood of tax increase in the future, life insurance becomes a key ingredient for the safety of every family. It should be the foundation of any financial plan. This firm feels an acute responsibility to spread the word to all of the families who do not have it so that they too clearly understand how important it is for their financial peace of mind.

Permanent life insurance has value in every season of an insured’s life, from the early years when one needs protection for loved ones to mid-life when they can use it for those little financial emergencies that happen to every family. In retirement, it can not only provide a safety net for financial emergencies, but an additional income stream to subsidize other retirement income. And, it can be a tax free inheritance to the kids or other loved ones upon the death of the insured.  Most importantly, life insurance can provide financial safety for a surviving spouse.

Index Universal Life - Tax-Free Retirement

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