How is an IUL different from regular life insurance?
Term life only pays a death benefit and builds no value. An IUL is permanent coverage that also builds cash value linked to a market index — growing tax-free with a 0% floor, so it never goes down. You can access it as a tax-free loan for retirement, emergencies, or college.
How much does a consultation cost?
Nothing. Your consultation is completely free with no obligation. I'm compensated by the carrier only if you choose a policy that's right for you — never any pressure to buy.
Can I lose money in a Fixed Index Annuity?
No — your principal is protected. A Fixed Index Annuity has a 0% floor, so even if the market crashes your account value never goes negative. You may earn 0% in a bad year, but you never lose what you put in.
What is a 401k rollover and why would I do one?
When you leave a job or retire, your 401k can be moved into another account without taxes or penalties. Many people roll into a Fixed Index Annuity to protect savings from market swings and convert it into guaranteed lifetime income. I handle the entire process correctly.
Am I too old or too young for life insurance?
There's a great option for every age. The younger and healthier you are, the lower your premium and the more time your cash value has to grow. Final expense suits seniors; annuities suit 50+. The best time to start is always today — rates rise with age.
