Retirement Ready:

Information. Preparation. Action.

Retirement Benefits

EXCLUSIVELY FOR CALCHIRO MEMBERS

  • Only accessible through CalChiro Membership
  • Opportunity to earn interest linked to the upside swings of the market
  • Protection from losses due to market declines
  • Fast track underwriting and implementation
  • CalChiro group discount pricing
  • Access to top-tier level planning
  • Tax-free growth, withdrawal, self-completing asset

Comparison of CalChiro Plan to Other Financial Products

Financial Tool

CALCHIRO PLAN - IUL1

Roth IRA

IRA

Stocks

CDs

Tax-Deferred Accumulation Yes Yes Yes No No
Income Tax-Free Distributions Yes Yes No No No
Income Tax-Free Death Benefit Yes Yes No No No
No Annual Contribution Limits Yes Yes Yes No No
NO 10% IRS PENALTY FOR PRE 59.5 DISTRIBUTIONS Yes Yes Yes No No
Tax-Deductible Contributions No No Yes No No

1 Life insurance products contain fees, such as mortality and expense charges, and may contain restrictions, such as surrender charges. Withdrawals and loans from a life insurance contract are subject to special tax rules if the policy is a modified endowment contract (MEC) and will reduce any available cash value and death benefit amounts. 2 If properly structured, proceeds from life insurance are generally income tax free. 3 You can leave a Roth IRA to a beneficiary tax-free if you have owned the account for more than five years. 4 Life insurance contributions are subject to both federal guideline rules and death benefit amount issued by the insurance carrier. 5 The ability to contribute or deduct contributions may be limited by adjusted gross income limits.