Horizon Legacy Life

Design a tax-advantaged retirement strategy with downside protection — and permanent family coverage.

Index-linked crediting (not directly invested in the market), access via policy loans if properly designed and maintained (non-MEC), subject to underwriting and policy charges.

15-minute Plan Preview

No market-loss crediting (0% floor)

Keep control of contributions

Licensed in MA

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Build a private cash reserve for retirement with index-linked growth and a 0% floor on credits.

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Access funds via policy loans/withdrawals if structured to avoid MEC; maintain policy to keep benefits.

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Protect your family with permanent death benefit while you build value.

See What I Qualify For

How it works

1) Plan Preview (15 min)
Confirm fit, goals, and budget window.

2) Custom Design (30 min)
We map contributions, index options, and policy structure (non-MEC target).

3) Apply
If it aligns, submit for approval. You’re in control at every step.

Get Your Plan Preview

Takes about 60 seconds. We’ll text you to schedule.

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Last name

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Age range

Tobacco use

Monthly amount you’d set aside

Best time to chat

Prefer to book now? Pick a time here.

Why families choose index-linked designs

Index-linked crediting with a 0% floor on credits (no negative crediting years).
Potential to access values via policy loans when designed/maintained to avoid MEC.
Permanent death benefit protection with flexible contributions (subject to guidelines).

Not investment advice. Not directly invested in the market. Index credits subject to caps, spreads, or participation rates. Results vary.

What to expect on your call

Clarify goals: target retirement age, income gap, family needs.
Review how index crediting & the 0% floor work (no market-loss credits).
Discuss contribution ranges and policy structure to help avoid MEC.
If aligned, submit for approval. No pressure, your decision.

Underwriting required. Policy charges, fees, and rider costs (if selected) apply. Loans/withdrawals reduce cash value and death benefit and may cause lapse; tax consequences can occur if policy lapses or becomes a MEC. Consult your tax advisor.

Important Disclosures

This page describes a life insurance policy with index-linked crediting (often called Indexed Universal Life). You are not directly invested in an index. Index credits are subject to limits such as caps, spreads, and participation rates that can change. The policy includes charges and fees. Policy loans and withdrawals will reduce cash value and death benefit; if a policy lapses or becomes a Modified Endowment Contract (MEC), loans/withdrawals may be taxable. Product availability, features, riders, and underwriting vary by state and carrier. This is not investment, legal, or tax advice; consult your professional advisors. Coverage is subject to underwriting approval.