Tax-Free Retirement Income
for Solo Business Owners
PrimusMax is a nationwide life insurance agency that helps solo business owners earning $100K+ build tax-efficient retirement wealth and lifetime income with IUL strategies. No contribution limits, no RMDs, no market losses.
Free • 2-minute assessment • No obligation • Your retirement starts here
The Retirement Gap Every Solo Business Owner Hits
You earn $100K+, you've built a business on your own terms, and you've maxed out every qualified plan available. But the system wasn't designed for solo business owners. Your surplus income has nowhere tax-efficient to go, your business capital is locked away, and your estate plan is disconnected from your retirement strategy.
You Earn $100K+ But Have Nowhere Tax-Efficient to Put It
Your solo business generates strong income, but your 401(k) and SEP-IRA are maxed out. Surplus profit sits in taxable accounts, eroded by income tax every year. You need a vehicle with no IRS contribution limits, no RMDs, and tax-free access — designed for high-earning solo owners like you.
Your Business Wealth and Your Estate Plan Are Disconnected
Your business is your largest asset, yet your estate plan and your business funding strategy are treated as separate problems. Without an integrated approach, your wealth gets consumed by estate taxes, probate costs, and forced business liquidation. Your family and your legacy deserve better.
No Tax-Free Retirement Income Strategy
Every dollar you withdraw from your 401(k) or SEP in retirement is taxed as ordinary income. There's no tax-free bucket to draw from — meaning Social Security gets taxed, Medicare premiums spike via IRMAA surcharges, and you keep less of what you earned.
Your Business Can't Fund Itself When You Need Capital
When growth opportunities arise, you're at the mercy of bank approvals and lending rates. Your own capital is locked in qualified plans and taxable accounts you can't access without penalties. You need liquidity that works for your business and your retirement simultaneously.
Built for Solo Business Owners Like You
From physicians and attorneys to tech founders and contractors, PrimusMaxLife serves high-earning solo business owners across every industry.
PrimusMax Checkup — Your Path to a Worry-Free Retirement
You've worked too hard to leave your retirement to chance. PrimusMax Checkup is a personalized strategy session where we design a single IUL strategy that does what no qualified plan can: fund your business growth with tax-free liquidity, deliver retirement income you'll never outlive, and transfer your wealth to heirs without estate taxes or probate. One strategy. Three problems solved. No IRS limits, no RMDs, no market losses.
PrimusMax Checkup — Your Integrated Strategy
A personalized, no-cost strategy session where a licensed advisor maps your complete financial picture and designs a single IUL strategy that simultaneously delivers tax-free retirement income, business funding liquidity, and estate planning wealth transfer.
IUL Tax-Free Accumulation
Indexed Universal Life builds tax-free cash value with market-linked growth and a 0% floor. No IRS contribution limits, no RMDs, no market losses. Fund it with business dollars deducted under Section 162 and access cash value through tax-free policy loans.
Business Funding & Estate Planning Synergy
One IUL policy does double duty: its cash value provides instant liquidity for business growth and opportunity capture without banks or qualifying, while its tax-free death benefit funds buy-sell agreements, key-person protection, and generational wealth transfer. Your business capital and your legacy are powered by the same engine.
Legacy Protection & Wealth Transfer
The same IUL strategy that funds your business and your retirement income passes a tax-free death benefit to your heirs — no probate, no income tax, no estate tax erosion. The wealth you built continues providing for the people you love, for generations.
Stop Wondering If You'll Have Enough
As a solo business owner earning $100K+, you need more than a 401(k). Take 2 minutes to discover how a single IUL strategy can simultaneously fund your business growth, deliver tax-free retirement income, and transfer your legacy to heirs without estate taxes or probate. Step 1 of your 3-step journey is free, personalized, and built exclusively for solo business owners like you.
Take PrimusMax QuizYour 3-Step Retirement Journey
From uncertainty to confidence in three simple steps: Take the Quiz, Get Your Strategy Report, Schedule Your Meeting.
Take the Quiz
A free 2-minute assessment built exclusively for solo business owners earning $100K+. We evaluate your income, business structure, and retirement goals to identify the gaps your 401(k) and SEP can't fill.
Get Your Strategy Report
Receive a personalized report showing exactly how a single IUL strategy simultaneously delivers tax-free retirement income, business funding liquidity, and estate planning wealth transfer — layered on top of your existing qualified plans.
Schedule Your Meeting
After receiving your strategy report, schedule a meeting with a licensed advisor who designs your integrated IUL strategy. Fund it with tax-deductible business dollars, access cash value for growth without banks, draw tax-free income in retirement, and pass a tax-free legacy to your heirs.
Take the PrimusMax Quiz
You've spent years building your solo business and taking care of everyone else. Now it's time to take care of yourself. Take the free PrimusMax Quiz today and discover how one IUL strategy can fund your business, deliver tax-free retirement income, and protect your legacy through estate planning.
Take PrimusMax QuizWeekly IUL & Retirement Strategy Tips for Solo Business Owners
Get actionable weekly insights on IUL strategies, Social Security optimization, estate planning, and tax-efficient retirement planning — delivered every Wednesday at 1pm EST. Practical tips, real-world scenarios, and exclusive strategies for solopreneurs earning $100K+.
Delivered every Wednesday at 1pm EST — IUL strategies, Social Security, estate planning, and tax-efficient retirement tips for solopreneurs earning $100K+.
Take the PrimusMax Quiz
Your 3-step journey starts here. Take the quiz, obtain your strategy report, and schedule your meeting.
Take PrimusMax QuizThese tools are for educational purposes only and do not constitute financial, tax, or legal advice. Please consult with a licensed financial professional before making any investment decisions.