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401(k) vs. IUL: What Happens to Your Money in a Market Crash?
401(k) vs. IUL: What Happens to Your Money in a Market Crash?
When markets crash, your 401(k) balance can drop overnight. That’s because it’s tied directly to stock performance — and you bear all the risk.
But there’s a smarter way to build retirement wealth.
An Indexed Universal Life (IUL) policy gives you a 0% floor, meaning your money doesn’t go backward when the market tanks. You get market-linked growth without market-linked losses.
401(k) vs. IUL at a Glance:
Feature401(k)IULMarket RiskHighNone (0% floor)Early Withdrawal PenaltiesYes (before 59½)NoTax-Free AccessNoYesLiving BenefitsNoYes
An IUL also allows withdrawals during times of critical illness or emergency — something your 401(k) simply can’t offer.
“If your 401(k) is your only plan, you're exposed to too much risk. The IUL gives you control and peace of mind, no matter what the market does.” — Brent Buffone
➡ Curious if an IUL makes sense for your situation?
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About Brent Buffone Insurance Services
Soar Financial Group helps individuals, families, and small business owners forecast their financial future with personalized insurance and retirement strategies. Led by Brent Buffone, we specialize in life insurance, Medicare plans, mortgage protection, and tax-free retirement options — all delivered with care, clarity, and integrity.
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Frequently Asked Questions
What’s the difference between term life and cash value life insurance?
Term life provides coverage for a fixed period (e.g., 20 or 30 years) and typically has no payout if you outlive the term. Cash value life insurance, like Indexed Universal Life (IUL), builds savings over time and allows you to access your money later — even while you're still alive.
Can I really access money from a life insurance policy before I die?
Yes — with certain policies like IULs that offer living benefits. You can access funds in cases of chronic, critical, or terminal illness, and even use the policy as a tax-free retirement income source.
Why should I work with an independent broker instead of a big insurance company?
As an independent broker, Brent shops across 15+ top-rated insurance carriers to find the best plan for your needs and budget — with no bias or upselling. You get honest advice, better options, and one-on-one guidance.
When should I start planning for retirement?
The sooner the better — even if you're just starting your career. The earlier you begin, the more time you have to grow tax-free wealth and protect your future income. Brent can help you create a personalized, flexible plan at any stage.
How much does it cost to get a consultation?
Consultations are completely free. Brent will review your current situation, answer your questions, and help you understand your options — with no pressure to commit.
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