Certified Financial Planner Launches New Website: EquityIndexedLife.TV

July 22, 2010 - PRLog -- Equity indexed unviersal life insurance is one of the fastest growing segments of the life insurance industry because it offers stock market-like returns with no risk of loss due to the performance of the S&P 500 index (some policies use other broad market indexes)

Most Equity Indexed life insurance policies have interest crediting rates that are tied to the raw S&P 500 index (but not invested in the market).  Most of these policies will credit a floor of zero percent when the index goes down during the year and will credit the percentage gain of the index subject to a cap (usually between 12-15%).

The intent of these policies is to provide stock market-like gains with the no losses due to the performance of the S&P 500 index.  So in 2008, when the index went down by some 37%, the cash invested in policies with a zero percent crediting floor did not get reduced at all by the S&P losses. In policies with a minimum crediting of 2%, the cash in those policies would have actually earned 2% in 2008, despite the huge drop in the index.

When properly structured to minimize the death benefit to maximize the cash accumulation potential, these policies can provide tax-free supplemental retirement income through policy loans and withdrawals.

There are seven educational videos at:  http://www.EquityIndexedLife.TV that will give consumers who are interested in learning more ways to plan for their retirement, a much better idea of how using an equity indexed life contract might help them reach their goals and do so with less stress.

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A life insurance specialist that gives consumer video tips about buying life insurance to supplement retirement income, personal advice and service from a Certified Financial Planner. He also owns: http://www.SmartFinancesBLOG.com