The Spencer Agency Inc.

Advantages of IUL over IRA/401K/SEP

The Safe Money Specialists
Health - Life - Retirement Plans Customized For Individuals And Small Business

Tax Free Withdrawals  (You Have Access To Your Money At Any Time)

100% Principle Protection

No Withdrawal Penalties

No Required Distribution At Age 70 1/2

Complete Flexibility  (You Can Contribute As Much Or As Little As You Want At Any Time)

Long Term Care Included At No Charge

Annual Reset

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