Casual Investment Consultants LLC.

An IUL
Features & Benefits
Informational Links & Videos
Contact Us

Our Purpose

Casual Investment Consultants LLC was founded to serve a real and urgent need within our community. In times of economic uncertainty—especially following COVID-19 and the loss of loved ones—we saw families and business owners overwhelmed by complex financial decisions and lacking trusted guidance. Our purpose is simple: to bring clarity, confidence, and direction to those seeking long-term financial stability.

Our mission is to help individuals and businesses build, protect, and pass on generational wealth through personalized consultations, financial education, and tailored insurance solutions. By understanding each client’s goals, we create strategic pathways that strengthen financial security, resilience, and prosperity. We are committed to building lasting relationships and empowering our clients with the knowledge and support needed to create a strong foundation for long-term success.

An IUL?

An Indexed Universal Life policy combines lifelong insurance protection with a cash value account.
That cash value can be credited based on a market index, using caps/participation rates,
and usually includes a floor (often 0%), so you don’t take a direct index loss in down years.

People often use IULs for family protection, supplemental retirement income strategies, and flexible planning when cash flow needs change.

Features & Benefits:

Index-Linked Growth with Protection

  • Linked to an index:
    Your growth is tied to a market index like the S&P 500. When the index goes up, your policy can earn interest.

  • No losses when the market drops:
    If the market has a bad year, your account doesn’t lose value due to market downturns. Your growth just pauses instead of going backward.

  • Upside with limits:
    When the market rises, you earn a portion of that gain (often with a cap or participation rate). You may not get all the upside, but you avoid the downside.

  • Protected foundation:
    This structure lets you grow money steadily over time without risking what you’ve already built.

Tax-advantaged cash value

  • Grows Tax-Deferred

The cash value inside your policy grows without being taxed each year, unlike savings accounts or investment accounts, where taxes slow growth.

  • Accessed Tax-Free (When Structured Correctly)

You can access your cash value through policy loans, which are not considered taxable income.

  • No income tax

  • No capital gains tax

  • No required repayment schedule

Many people use this for:

  • Retirement income

  • Emergency funds

  • Business opportunities

  • College costs

  • No IRS Contribution Limits

Unlike a 401(k) or Roth IRA:

  • No government contribution caps

  • No required age to access money

  • No required minimum distributions (RMDs)

  • Tax-Free Death Benefit

If structured properly, your beneficiaries receive the death benefit income-tax free, helping protect family wealth.

Flexible premiums & policy design

  • You Control How Much You Pay

Unlike term or whole life insurance:

  • You can pay more when income is high

  • You can pay less when money is tight

  • You can even skip or reduce payments (as long as there’s enough cash value)

Your policy adjusts to your cash flow.

  • You Choose How the Policy Is Built

The policy can be designed to focus on:

  • More protection (higher death benefit)

  • More cash value growth

  • Or a balanced mix of both

This customization happens at the start and can be adjusted over time.

  • Adjust as Life Changes

Life changes—and your policy can change too:

  • Increase or decrease death benefit (subject to rules)

  • Adjust premium strategy

  • Reallocate cash value among index options

This keeps your policy aligned with your goals.

Permanent life insurance protection 

  • Coverage for Life

Unlike term insurance that expires after 10, 20, or 30 years:

    • Permanent life insurance does not expire

    • There’s no “renewal” at older ages

    • Protection stays in place when insurance is hardest to get

  • Guaranteed Death Benefit

When you pass away:

  • Your beneficiaries receive a tax-free death benefit

  • This money can help cover final expenses, debts, income replacement, or legacy planning

This benefit is there no matter when death occurs, as long as the policy stays active.

  • Builds Value While You’re Alive

Permanent policies (like IUL):

  • Protect your family now

  • Build cash value you can use later

  • Combine living benefits + lifetime protection

Informational Links & Videos

Select the following links:

What is an IUL
IUL for Beginners
Life Insurance 101: IUL
Benefits of an Index Universal Insurance Policy
Index Universal Life Insurance Policy
Some Key Details of an Indexed Universal Life Insurance Policy
The Pros and Cons of an Index Universal Life Insurance
Indexed Universal Life Insurance Policies
The Power of the Indexed Universal Life
Active-Duty Military can have an IUL
Why Veterans Should Consider Indexed Universal Life Insurance (IUL)
Can an IUL be placed into a Trust

Select a Video:

Contact Us

Business Hours: 

Mon-Fri: 9:00 am- 5:00 pm

Contact Number:

818-723-3488

POC:

https://dot.cards/cicurfuture

Business Address:

7901 4th St N Ste # 300 St. Petersburg, Florida 33702

Email: cic@casualinvestmentconsultants@biz

Disclaimer
The information on this website is intended to provide a general explanation of financial concepts. It is not designed to address any one person’s specific situation. Any actions you take based on this information should be based on your own judgment and understanding of your personal needs and goals.
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