Someone Showed You an IUL.
Let’s Stress-Test It Before You Sign.

We design all policies with a min-max premium range, where the minimum premium due is only around 20%-30% of the maximum allowable amount.

Since most people start with at least one maximum-funded premium this gives you some flexibility to skip multiple future minimum premiums if absolutely necessary.

If immediate flexibility is needed, then certain insurance companies are more forgiving than others, and we can focus on those first.

Probably not, but if you are over 66 or have very serious unresolved health issues, we may have to use your spouse or kids.

That said, we’ve found that people tend disqualify themselves prematurely, when in fact we have often been able to work magic by shopping to multiple carriers and properly framing the facts.

We’re all about shrink-wrapping the least amount of death benefit allowed around whatever maximum premium you plan on pumping in.

It’s the wrong frame entirely. IUL was never meant to be an investment, so measuring it against the S&P 500 is comparing oil to vinegar — different job, different benchmark.

It’s a safe-money tool. It competes with the money you’d otherwise leave in cash, CDs, bonds, or a conservative reserve — not with your Roth, your 401(k), or your brokerage account. Those keep doing their jobs.

Where the criticism lands fairly is on design. A policy that’s poorly chosen, poorly funded, or illustrated at a rate nobody should count on absolutely can disappoint. That’s a design and sales-practice problem, not an indictment of the product.

Treat it as a projection, not a promise. Illustrated rates are assumptions, and cap rates can change after your policy is issued.

AG49-A exists precisely because agents were running unrealistic projections. Even so, some carriers have learned to gamify illustrations that technically comply with it — which is why we weight a carrier’s actual track record of fair dealing more heavily than whose numbers look best on paper.

Our rule: stress-test at least 1.5%–2% below the illustrated rate before you commit to anything. If the design only works at the top number, it isn’t a design worth having. Bring us whatever you’ve been shown and we’ll run it both ways in front of you.

We do NOT charge an up-front fee for our initial meeting to help you with your understanding of this strategy and related products. Throughout this initial call, we are both mutually exploring if it would be a good fit for us to proceed further together.

Assuming we both decide to explore a professional relationship further, we will also NOT charge for any follow-up meetings.

We only get paid if you have us write some sort of life insurance policy on yourself, a family member, or key employee. As independent agents, we are unattached as to which company or policy type you ultimately choose and are happy to educate you about your options and model them out for your particular situation.

Well it depends on how complicated your health situation is, and which insurance company you like best.

If you are in relatively clean health (perhaps just some controlled complications), underwriting can take as little as a week and sometimes even without a health exam.

If the insurance company has to do some digging into your health situation (looking into old doctor records and requesting an exam) could push the timeframe to 1-2.5 months.

Most of our competitors have some kind of longer-term “sweetheart contract” with certain insurance companies. This incentivizes them to concentrate their business with said carrier to increase their commission payout in some way, shape, or form (often to your detriment).

We went fully independent in 2012 after having worked directly under 2 major insurance companies. We decided it was best for the clients we serve to only maintain base broker contracts with any and all carriers. Having no minimum quotas gives us the flexibility to stay nimble, move with the market, and always offer the best of breed companies & products to our clients.

We like to think of ourselves as right down the middle with a lean & mean organization with every specialty covered to be able to offer expanded advice when appropriate. For that reason, we don’t take on every client so we can retain the capacity to best serve those we do choose to take on.

Well, there is no catch. If you work with an agent or group that designs your policy properly, then you’re really just repositioning your liquidity. You’re taking liquid assets from an inefficient holding tank (a bank or mattress paying little to nothing) and shifting that liquidity over time to one of the strongest, best-capitalized life insurance companies in existence.

Why? So you can get better growth, shelter from taxation, and pick up some additional protection benefits as a result. Plus, your liquidity keeps compounding even while you’re using it.

Is there a cost? Short term: yes — there are upfront costs and the first couple of years are the worst years. Long term: not as much — since a properly designed policy would end up with considerably more net spendable dollars than if you had not done the policy at all.

We offer to do this modeling for free because we’ve done this enough times to know that most of you will follow through with some sort of policy initially only to get more policies in the future on family members.

We’re ready when you are. So book your call and we’ll prove it to you.