Protection for your people.
Permanent life insurance can help the people you love move forward when life takes an unexpected turn.
A legacy beyond a paycheck
A BETTER BENEFIT. A BRIGHTER TOMORROW.
More life.
More possibility.
One GOALL.
Protect your people.
Make room for what’s next.
Life insurance, living benefits, and a long-term approach to your future. A meaningful benefit for employees. A thoughtful advantage for employers.
People first Clear conversations Long-term thinking
THE REASON BEHIND THE PLAN
Your people.
Your possibilities.
PROTECTION WITH PURPOSEFor today. And all your tomorrows.
ONE PROGRAM.
A BIGGER PICTURE. Family protection Living benefits Future possibilities Employer opportunity
A BIGGER PICTURE. Family protection Living benefits Future possibilities Employer opportunity
THIS IS THE GOALL DIFFERENCE
Benefits that see
the whole picture.
Work. Family. The future.
Your benefits should make room for all of it.
Support while you’re living.
Eligible living-benefit riders may let you access part of a death benefit after a qualifying illness or injury.
Possibilities when life changes
Room for your future.
Explore cash-value potential and policy access that may complement—not replace—your retirement savings.
A long-term approach to planning
Features depend on the actual policy, eligibility, and continued funding. Costs and limitations apply.
PEOPLE ARE YOUR BUSINESS.
Invest in what
makes you, you.
FOR FORWARD-THINKING EMPLOYERS
Better for your people.
Better for your business.
A great team is worth looking after. GOALL helps you explore a supplemental benefit that connects employee wellbeing with your recruiting and retention goals.
Stand out for the right reasons.
Give current and future employees something meaningful to talk about.
Build a culture of care.
Offer a benefit built around life’s responsibilities—not just the workday.
Make the next step clearer.
Explore contribution options, education, and onboarding support.
A CLEARER SIDE-BY-SIDE
Same goal. A different approach.
A 401(k) and permanent life insurance are designed for different roles. This overview helps frame the questions worth reviewing with your benefits, tax, and insurance professionals.
| Consideration | TraditionalRetirement | GOALLPermanent insurance |
|---|---|---|
| Purpose | Employer-sponsored retirement savings account; plans may offer an employer match. | Permanent indexed universal life insurance; underwriting, policy design, and ongoing funding apply. |
| Growth | Returns and fees depend on the investment lineup. Account value can rise or fall with investments. | Indexed credits can be subject to floors, caps, participation rates, and fees. A crediting floor is not a net cash-value guarantee; cash value can fall. |
| Access | Loans or withdrawals depend on the plan and permitted exceptions, with possible taxes, penalties, or repayment requirements. | Policy loans accrue interest and surrender conditions or charges can apply. Loans can reduce available value and death benefits. |
| Retirement taxes | Pre-tax withdrawals are generally taxable. Roth treatment and other exceptions depend on the account and applicable rules. | Potential tax advantages for withdrawals or loans depend on basis, non-MEC status, and keeping the policy in force. |
| Family & living benefits | A remaining account balance may pass to beneficiaries, but the account is not itself life insurance. | Death and living benefits are governed by policy eligibility and terms. Accelerated benefits can reduce a death benefit and are not health or long-term care insurance. |
SOURCE ILLUSTRATION · NOT A FORECAST
One supplied scenario, shown as a starting point.
The original materials show an illustrative 30-year-old male and a 36-year illustration. We are showing the annual funding inputs only—not projecting values, income, crediting, or tax results.
Employee funding$3,000 / year
Employer contribution$600 / year
Illustrative annual funding$3,600
Employer contributions or matches are not guaranteed and vary by employer and plan.
YOUR LIFE. BEYOND THE WORKDAY.
It’s not just about
retirement.
It’s about living.
The unhurried mornings. The places you’ll go. The people you’ll be there for. Start with the future you imagine—and explore the protection that may help you plan for it.
Let’s talk about your bigger pictureThink alongside your existing plan.
Compare insurance needs, retirement savings, costs, and a sustainable budget.
YOUR NEXT CHAPTER / YOUR WAYSMALL STEPS. A CLEARER PATH.
A conversation.
Not a complicated process.
You don’t need all the answers.
Just a good place to begin.
01
Start with your people.
Tell us what matters: your family, your team, your goals, and the benefits you already have.
02
See the whole picture.
Review the options with a licensed professional, including real costs, policy terms, and illustrations.
03
Choose your next step.
Decide what fits your life or business. Take your time. A thoughtful plan starts with clarity.
GOOD QUESTIONS. HONEST ANSWERS.
A little clarity
goes a long way.
Know what you’re exploring.
Feel comfortable asking more.
01What exactly is the GOALL Program?
GOALL stands for Growth Only Automated Life & Legacy. The program described in these materials uses permanent life insurance, including indexed universal life (IUL), to combine family protection, potential cash value, and eligible living-benefit features. It is life insurance—not a qualified retirement plan, bank account, or direct investment in an index.
02Does this replace my 401(k) or IRA?
Not automatically. GOALL may be considered as a supplemental insurance strategy alongside an existing retirement plan. Employer matches, fees, taxes, insurance needs, your budget, and the opportunity cost of premiums all matter. A licensed professional should compare your actual options before you change an existing plan.
03Does “growth only” mean I can’t lose money?
No. An IUL interest-crediting floor may limit negative index credits, but premiums, insurance charges, other fees, withdrawals, and loan interest can still reduce cash value. Caps and participation rates can limit credits. Non-guaranteed values can change, and sufficient funding is needed to keep the policy in force.
04Can I access money before retirement?
If enough cash value has accumulated, a policy may allow withdrawals or loans under its terms. Access is not unrestricted or cost-free: surrender charges, loan interest, tax consequences, and reductions in death benefits can apply. Loans can contribute to lapse. Traditional retirement plans also have access options and exceptions, so compare your actual plan rules.
05How do tax advantages and living benefits work?
Death benefits are generally income-tax-free under applicable law. Withdrawals up to basis and loans from an in-force, non-modified-endowment policy may receive favorable tax treatment, but conditions and exceptions apply. Lapse or surrender with a loan can create taxable income. Living-benefit riders require a qualifying event, may involve costs, and reduce the death benefit; they are not substitutes for health or long-term care insurance.
06Are the comparisons and employer contributions guaranteed?
No. The original GOALL materials contain hypothetical scenarios, not a personalized forecast or carrier guarantee. Employer contributions depend on the employer and program design. Actual results depend on underwriting, premiums, crediting assumptions, policy costs, loans, and ongoing management. Ask for a current carrier illustration showing both guaranteed and non-guaranteed values.
YOUR NEXT CHAPTER STARTS WITH A CONVERSATION
Good for your people.
Full of possibility.
Let’s explore what GOALL could mean for your family or your team.
A real conversation. Your priorities first.
No obligation to buy A personal conversation
Your DREAMS connectionAA0233Connected to the person who shared this page.
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