Supplemental Indexed Retirement Program (SIRP)

You may be surprised to learn that life insurance can provide you with an economic value and return on investment that is competitive with the customary products purchased in the stock markets and with other financial institutions.  We are excited to bring you a product that has all the benefits of acquiring the upside of the stock market but eliminates the downside of losing your investment due to negative returns in that same market.

The policy we provide invests in the S & P 500 index or such indexes as the Dow Jones, Russell 2000, Euro STOXX50 & the Lehman Aggregate Bond Index.

The SIRP provides all the upside of the market indexes but also provides a guarantee floor of 2%, a participation rate of 100% of the S & P 500 index with an annual cap rate of 14%.

What are the Benefits of a SIRP?

• Tax-deferred growth
• Tax-free income and withdrawls
• Self completing at death (i.e. Death Benefit)
• Creditor proof
• Guarantees no "negative" returns due to market risk - a Guarantee investment floor of 2%
• Captures upside returns with a "Participation Rate" of 100% with an annual cap of 14%

Is this Right for You?

Who is a good a good candidate for a SIRP?

• Successful individuals interested in protecting their wealth for their children with life insurance
• Highly compensated individuals, looking to maximize retirement income on a tax-free basis
• People ages 35-68
• Individuals interested in diversifying their investment base by placing life insurance as an investment class in their portfolio.
• Entrepreneurs who need or want life insurance to protect their business, estate, buy-sell funding needs, insuring key people, or who have children and spouses from previous marriages.

We look forward to working with you. Give Dugan & Lopatka Insurance Solutions, LLC a call today.