vs. WA Cares

Greater Flexibility & Customization: National Life’s retirement strategies—such as Indexed Universal Life (IUL) insurance or annuities—can be customized to fit individual employee needs, rather than offering a one-size-fits-all approach like many state programs.

Tax-Advantaged Retirement Growth with Market Protection: Employees can benefit from indexed growth potential without the risk of market losses. This means their retirement savings can grow alongside market performance (e.g., S&P 500) without the fear of losing value in a downturn.

Living Benefits and Legacy Protection: Unlike most state plans, life insurance-based strategies offer living benefits for chronic, critical, or terminal illness, and provide a death benefit—giving added layers of protection.

Reduced Administrative Burden: National Life’s team helps manage implementation and education, reducing the time and effort required from business owners, especially compared to navigating unfamiliar state-run program rules.

Employee Attraction and Retention: Offering a more comprehensive, flexible retirement option shows employees that the business is invested in their long-term well-being—improving morale and reducing turnover.

Owner Benefits: Business owners can use these same tools to create tax-advantaged income strategies for themselves, not just their staff—something state programs typically don’t support as effectively.