Tax-Free Income; How do I do this?

We start by comparing your Traditional Retirement Plan to an Index Universal Life (IUL) plan. Let the numbers speak for themselves!

Watch Now: learn why an IUL may be right for you!

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Compare the Four Most Important Aspects of Your Retirement Plan

Market Volatility

Just how exposed to the market is your retirement plan? Discover how you can protect your retirement earnings from negative returns. IUL's prevent market loss and never credit less than zero. Compare the effects of market losses on your current retirement plan to an IUL.

Income Longevity

How long will your income last? A recent study showed that the average 401(k) will run out of money only 7-8 years into retirement. An IUL has the potential to provide income until you are 120 years old! Take a look at the numbers and compare how long your current retirement plan will last in distribution vs. an IUL.

Tax Deferred vs. Tax Free

Although most retirement plan options allow for Tax Deferred growth, the majority of them tax 100% of the income you take in retirement. That means that you can potentially lose hundreds of thousands of your retirement dollars to taxes. With an IUL, you not only get Tax-Deferred growth, you can also take Tax-Free retirement distributions. Compare the tax savings with an IUL vs. your current retirement plan.


A recent study showed that retirement plan fees can range from 3% to 5%. Just a 1 percentage point difference in fees can dramatically reduce the size of your nest egg over time. Compare the fees in your current retirement plan to the fees in an IUL to see for yourself just how much you can save.

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Your IFL Agent

Mia Sheen

Phone: (480)629-5558 (888)827-8886
Email: aim(at)

     Before working in the Finance and Insurance industry, Mia worked in the Finance and Accounting Division for the U.S. Army.  In addition, she successfully owned and operated a small retail business.


     Prior to becoming a chartered retirement planning counselor(CRPC) and insurance advisor, she had her agency with American Family Insurance. There, she excelled, winning several awards and was recognized as a Life Leader for the State of Arizona.


     She is passionate about educating people to take charge of their lives, and provides them with the tools and guidance necessary to help them plan and save for the future.


     Mia is dedicated and disciplined in keeping current with the constant changes in the industry by continuously educating herself. This enables her to better serve her clients, keeping them abreast of new information and product.


     She is an avid hiker and runner.

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