1. Your money is protected from market downturns. Gains are locked in annually, meaning when the market drops, you don’t have to "earn back" previous losses—you simply continue growing from where you left off.

2. Your money grows tax-deferred. Unlike mutual funds, where gains are taxed annually, this strategy allows for triple compounding: earning interest on your principal, your gains, and even the money you would have lost to taxes.

3. No contribution limits. Traditional retirement accounts cap how much you can put in each year. This strategy doesn’t.

4. Access your money without penalties. No more worrying about IRS penalties for withdrawing before age 59 ½. You can use your money when you need it—without paying unnecessary taxes or penalties.

5. You control your taxes, not a fund manager. Many people don’t realize mutual funds can trigger taxable events even when they don’t sell shares. With this strategy, you decide when and how much income to take—keeping more control over your tax situation.

6. No surprise tax bills. Mutual funds can generate taxable distributions even in years when the fund loses money. Imagine seeing your portfolio go down and still owing taxes! This strategy eliminates that risk.

7. Avoid common tax traps. The right financial strategy can help you avoid unexpected tax liabilities, including state and local taxes, alternative minimum tax (AMT), and the loss of valuable deductions or credits.

8. Keep more of your Social Security benefits. Did you know that mutual fund earnings can increase the taxation of your Social Security benefits? This strategy helps you manage reportable income to avoid unnecessary taxation.

9. No unexpected year-end tax surprises. Buying into a mutual fund late in the year could leave you with a tax bill for gains you never actually benefited from. This approach eliminates that concern.

10. Simple record-keeping. No need to track every purchase, sale, and reinvestment. This strategy keeps things straightforward, so you don’t have to worry about complex tax forms.

11. Protect your wealth from probate delays and creditors. Unlike many traditional investments, this strategy ensures that your money goes directly to your beneficiaries—without court delays or legal battles.

12. Potential protection from Medicaid spend-down rules. Certain assets can count against Medicaid eligibility for long-term care. This strategy can help protect your savings.

13. Access funds for medical expenses, chronic illness, or long-term care—without penalty. Unlike traditional investments, this approach often includes built-in provisions that allow penalty-free access when facing unexpected health challenges.

14. Ensure your loved ones receive a financial legacy—without market risk. Unlike mutual funds, this strategy provides a guaranteed benefit to your beneficiaries, no matter what happens in the stock market.

15. Move money between options without triggering taxes. Unlike traditional investments, where switching funds can create taxable events, this strategy allows for tax-free repositioning.

16. Rebalance your portfolio without extra fees. Mutual funds require buying and selling assets to rebalance, often incurring taxes and fees. This strategy allows for cost-free reallocation among different index-linked options.

Now, imagine having a financial tool that allows you to:

• Fund major purchases like a home, college tuition, or medical expenses—without depleting your savings.

• Take income in retirement without worrying about taxes eating away at your nest egg.

• Pass on a financial legacy to your loved ones, guaranteed.

This strategy exists, and savvy financial professionals are taking full advantage of it. Maybe it’s time you did too.