Escape the 401(k) Trap.
Build a Tax-efficient Pension.
Solo business owners earning $100K+ face two massive threats: punishing taxes and severe market losses. PrimusMax is the premier expert in solving these specific challenges for solo business owners through the tax-free PrimusMax Income℠ IUL strategy — combining retirement income, business funding, and estate planning.
The Problem
- ✗Maxed Out Qualified Plans: The IRS limits how much you can put into 401(k)s and IRAs, capping your tax-advantaged growth.
- ✗Tax Inefficiency: High W-2 income means you are paying the maximum marginal tax rate today, and deferred taxes mean you'll pay even more later.
- ✗Market Vulnerability: Your current portfolio is fully exposed to market corrections right when you need the money most.
The Solution
- Unlimited Contributions: Properly structured IUL policies have no IRS contribution limits, allowing massive wealth accumulation.
- Tax-Free Income: Access your money in retirement via zero-net-cost policy loans, completely free from income taxes.
- Zero Downside Risk: Index-linked growth with a 0% floor means your principal is protected when the market drops.
Which Solo Business Owner Are You?
Real outcomes for solo business owners across industries, retirement timelines, and goals. Find the story that matches yours, then take the quiz to see your personalized strategy.
Dr. James, 54
11 years to retirement
Primary Goal
Tax-free income that doesn't trigger IRMAA surcharges on Medicare premiums
Business Funding
Equipment upgrades without bank loan applications
Estate Planning
Tax-free legacy for two kids' medical school debt payoff
$14,000/month tax-free in retirement while keeping taxable income low enough to avoid Medicare surcharges.
Patricia, 49
16 years to retirement
Primary Goal
Step back from 60-hour weeks at 60 without losing income
Business Funding
Bridge capital between case settlements
Estate Planning
Buy-sell protection for her law partner and family legacy
Cut to 3 days/week at 58, supplementing with $9,500/month tax-free policy loans while the practice transitions.
Marcus, 52
8 years to retirement
Primary Goal
Six months of travel per year without touching taxable accounts
Business Funding
Sabbatical funding between major client contracts
Estate Planning
Tax-free wealth transfer to adult children, no probate
$8,500/month in tax-free retirement income while his policy cash value keeps growing.
Sarah, 48
17 years to retirement
Primary Goal
Fund agency expansion without giving up equity or answering to banks
Business Funding
Self-funded payroll during client payment gaps
Estate Planning
Protect business continuity if she can't work
Accessed $75K in policy loans for business growth, repaid on her own terms, no bank approval needed.
Tom, 51
14 years to retirement
Primary Goal
Retire from physical work at 60 with body-worn income that never runs out
Business Funding
Equipment financing without qualifying at the bank
Estate Planning
Pass the business and wealth to his son tax-free
Retired at 60 with $10,200/month tax-free income and a $800K tax-free death benefit for his family.
Linda, 55
7 years to retirement
Primary Goal
Replace commission-based rollercoaster with steady tax-free income
Business Funding
Capital for property investments without liquidating assets
Estate Planning
Multi-generational wealth beyond real estate holdings
$11,500/month tax-free at 62, layered on top of rental income, with zero market-loss exposure.
Elena, 45
20 years to retirement
Primary Goal
Protect wealth from market volatility after a liquidity event
Business Funding
Seed capital for her next venture, no dilution
Estate Planning
Tax-free legacy for children without complex trust structures
$1.2M tax-free death benefit for her children plus lifetime income she controls, with a 0% downside floor.
Robert, 47
18 years to retirement
Primary Goal
Build a personal pension separate from inventory-heavy business
Business Funding
Seasonal inventory purchases without bank lines of credit
Estate Planning
Keep the store running for family, pass wealth tax-free
$7,800/month tax-free at 62 while his son runs the store, with no forced business liquidation.
Your story is next. See your personalized outcome in 2 minutes.
See My OutcomeThe scenarios above are sample use cases created for illustrative purposes to show how IUL could benefit solo business owners. They do not represent actual client results. Individual outcomes vary based on personal circumstances, policy structure, and market conditions.