484-832-6913

We Help Business Clients Navigate Tax Advantages

Tax-Deferred Growth of Cash Value

Because an IUL policy allows the tax-deferred growth of cash value, your funds can grow and compound exponentially over time.

No Market Risk

Due to IUL policy cash values having a “floor,” there is no downside risk to your principal in these plans – even if the underlying index that is being tracked suffers a substantial loss or experiences a high rate of volatility. This means that you can count on having your principal protected for the short
and the long term.

No Maximum Annual Contribution Limits

Although you may invest in a qualified retirement plan through your business, these savings vehicles will typically have annual maximum contribution limits. Unfortunately, this can hold you back from accumulating additional funds you may want or need in the future. An IUL policy, however, is not subject to these contribution limits, which means that you can continue funding your IUL policy, even if you have already “maxed out” your other retirement savings options.

Tax-Free Funds for Business Purchases

You can also borrow your IUL cash value for purchasing items and/or equipment for your business. Doing so may be able to help you secure more favorable access to money vs. high-Interest forms of borrowing to obtain the things your company needs, as well as for expanding your business over time.

Continuation of the Business

In many cases, the death of a business owner or key company executive could signify the end of the business altogether if there is not some succession plan in place. An IUL policy could be an ideal vehicle for funding a business buy-sell agreement. With a buy-sell agreement, remaining partners or key individuals can use the funds from the IUL policy to purchase the insured’s portion of the company – essentially keeping the business running in the interim. Depending on your business, there are several different ways in which a buy-sell agreement can be set up.

Why Choose Us

Focus

Business, personal, and financial planning are NOT three separate efforts. When combined into a singular focus and plan, real value is achieved.

Difference

At The Skelley Group, experience matters. We are big believers in teamwork - together with our experts, and those you already rely on, the results are unparalleled.

Team

With a team of tax attorneys, accounting professionals, and business planning experts, we work exclusively with business owners to help reduce their tax liability.

In business since

2012

What Our Clients Say

“Working with Joe Skelley was a game-changer for our family. After meeting with him, we finally felt like someone truly understood our situation and took the time to design a plan tailored to us—not just a generic insurance policy. Joe helped us implement a Living Benefits life insurance solution that not only protects us in the event of death, but gives us access to funds if we experience a critical or chronic illness. His approach gave us peace of mind knowing our home, kids, and future are covered no matter what. I can’t recommend The Skelley Group highly enough.”

Sarah and Michael H.

“As a small-business owner, I always knew I needed better protection and tax-advantaged strategies—but I didn’t know where to start. Joe Skelley walked me through options like Indexed Universal Life and how to use insurance in ways that go beyond death benefits. He helped us design a smart plan that aligns with my business goals, gives me flexibility, and protects my family. His professional yet genuinely caring style sets him apart. If you’re serious about both legacy and growth, Joe is the real-deal.”

Robert L.

“I met Joe after a friend referred him when my wife and I were reviewing our retirement and protection needs. Joe spent time educating us—not rushing to sell. He explained things in plain language: how not all life insurance is the same, how “living benefits” work, and how you can turn protection into a strategic asset. The result: we now feel empowered and confident about our financial future. Working with The Skelley Group was one of the best decisions we’ve made.”

Emily and David M

Office: Garnet Valley, PA 19060

Call 484-832-6913