Secure Your

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Financial Security
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Retirement planning
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Tax benefit
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An IUL is a powerful life insurance policy that lets you build tax-free cash value tied to the stock market’s growth — without risking losses — so you can protect your family and grow wealth at the same time.

Life insurance protects your loved ones with flexible options like term coverage, living benefits you can use while alive, cash-back policies that grow over time, and final expense plans for end-of-life costs.

An annuity is a financial tool that turns your savings into guaranteed income for life, grows tax-deferred, protects your principal, and ensures you never outlive your money.

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Salus Insurance Advisors offers personalized, expert advice tailored to each clients unique needs and financial goals.
Yes, most life insurance policies are flexible, and changes can be made to accommodate life changes such as marriage, divorce, childbirth, or a significant change in financial status. Our advisors can help you review and adjust your policy to ensure it continues to meet your needs.
Yes, the death benefit received by beneficiaries is usually tax-free, and certain policies offer tax-deferred growth of cash value.
The cost of an IUL (Indexed Universal Life) insurance policy varies depending on factors like your age, health, and the amount of coverage you choose. Typically, premiums can range from a few hundred to several thousand dollars per year. One important aspect of an IUL is that the cash value you accumulate is still your money; it grows over time based on the performance of a stock market index, and you can access it through loans or withdrawals. The cash value can be used for future expenses or to help pay premiums, giving you flexibility and control over your money.


Darcel Ballentine
Barone LLC.


Leatrice Handler
Acme Co.

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