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Licensed Life Insurance Broker · Greg Jimenez

Protect Your Family.
Secure Your Future.

Day & Night Services LLC specializes in IUL insurance, Annuities, Whole Life, Final Expense, and 401k Rollovers — powerful strategies to protect your family, grow tax-free wealth, and guarantee retirement income you can't outlive.

Get a Free Consultation Explore Products
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Indexed Universal Life (IUL)

Market-linked growth with zero downside risk

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Annuities

Guaranteed income you simply cannot outlive

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Day & Night Support

Here before, during, and after your policy

Life Insurance Solutions

Protecting What Matters Most

From young families to retirees — every stage of life deserves a solid financial foundation.

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Life Insurance IUL

Family Protection

Secure your family's future with coverage that builds wealth

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0% Floor — Your money never goes down

IUL Growth Strategy

Market-linked gains with zero downside risk

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$4,200/mo
Guaranteed for life
✓ You can't outlive it

Retirement Income

Annuities that pay you guaranteed income forever

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Old 401k sitting idle
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Fixed Index Annuity ✓
No taxes · No penalties

401k Rollovers

Move your retirement money safely — no penalties

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Average Funeral Cost
$12,000+
Final Expense Policy: ~$30/mo

Final Expense Coverage

Don't leave your family with the bill

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Term LifeExpires ✗
Whole LifeForever ✓

Whole Life Insurance

Permanent coverage that builds cash value

Tax-Advantaged Growth
0% Floor — No Market Losses
Guaranteed Lifetime Income
Independent Broker · Multiple Carriers
CA License #4423937
Simple Process

How It Works

Getting started is easy. Three simple steps and you'll have a plan built around your life.

01
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Free Consultation

Call, text, or fill out the form. Greg will reach out within 24 hours to schedule a no-pressure strategy session at your convenience.

02
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Personalized Plan

Greg reviews your goals, budget, and family situation — then shops multiple top-rated carriers to find the best product and rate for you.

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Get Protected

Once you're happy with the plan, applying is quick and straightforward. Greg guides you through every step and stays with you long-term.

Start Step 1 — It's Free →
Greg Jimenez — Licensed Insurance Broker, Day & Night Services
About Greg Jimenez

Your Financial Future Deserves a Trusted Partner

At Day & Night Services LLC, I believe every family and individual deserves access to smart, straightforward financial protection. I specialize in life insurance products that don't just protect — they build wealth and provide income you can count on for life.

As an independent broker, I'm not tied to any single company. I shop across multiple top-rated carriers to find the right product for your unique situation — whether you're protecting a young family, growing your career, or planning for retirement.

  • Independent broker — I work for YOU, not an insurance company
  • Specialist in IUL, Annuities, Whole Life & Final Expense
  • Transparent, no-pressure consultations — always free
  • Available day and night around your schedule
"My goal is simple — help you build a financial future that works for you day and night, through every season of life."
— Greg Jimenez

Schedule Your Free Consultation
What We Offer

Our Core Products

Six powerful financial tools — tailored to protect your family, grow your wealth, and secure your retirement income.

01
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Indexed Universal Life

Protection + Tax-Free Growth

Permanent life coverage with cash value that grows tied to market indexes — with a 0% floor so you never lose principal.

  • Tax-free cash value growth
  • 0% floor — zero market losses
  • Tax-free loans & withdrawals
  • Flexible premium payments
  • Death benefit for your family
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Fixed Index Annuities

Safe Growth + Retirement Income

Grow your money safely with market-linked returns, then convert it into a guaranteed income stream for retirement.

  • Principal fully protected
  • Guaranteed lifetime income
  • Tax-deferred growth
  • No stock market risk
  • Optional income riders
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Immediate Annuities

Income Starting Now

Turn a lump sum into a predictable monthly paycheck — starting right away. Perfect for retirees needing income immediately.

  • Instant guaranteed income
  • Income you can't outlive
  • Joint or single life options
  • Simple and predictable
  • No investment risk
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Final & Funeral Expense

Family Protection

Affordable whole life coverage for end-of-life costs — so your loved ones aren't left with financial burdens.

  • No medical exam required
  • Guaranteed acceptance options
  • Covers funeral & burial costs
  • Fixed premiums for life
  • Fast, simple application
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Whole Life Insurance

Lifetime Coverage + Savings

Permanent coverage with guaranteed premiums, guaranteed death benefit, and growing cash value you can borrow against.

  • Guaranteed lifetime coverage
  • Fixed premiums — never increase
  • Builds cash value over time
  • Tax-advantaged savings
  • Policy loans available
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401k Retirement Rollovers

Retirement Planning

Leaving a job or retiring? Roll your 401k into a safer vehicle that protects your savings and generates guaranteed income.

  • No taxes or penalties when done right
  • Protect gains from market crashes
  • Convert to lifetime income
  • More flexibility than a 401k
  • Step-by-step guidance

Not sure which product is right for you? We'll walk you through every option — no jargon, no pressure, completely free.

Book a Free Strategy Call
Who We Serve

Built for Every Stage of Life

Whether you're protecting a young family or securing your retirement income, Day & Night Services has a strategy for you.

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Families

Protect your loved ones with life coverage that also builds tax-free wealth for college, emergencies, or retirement — all in one policy.

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Professionals & High Earners

Reduce your tax burden and build supplemental retirement income with an IUL — a strategy used by business owners and executives nationwide.

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Retirees & Pre-Retirees

Eliminate the fear of outliving your savings. Annuities provide guaranteed income for life — so you can retire with complete confidence.

Why Day & Night Services

We're Different — And That Matters

Who you work with is just as important as what you buy. Here's what sets Greg apart.

01

Truly Independent

Not captive to any single company. I compare multiple top-rated carriers to find the absolute best fit for your needs and budget.

02

Deep Specialist Knowledge

I focus exclusively on IULs, Annuities, and related products — deep expertise in exactly what you need, nothing generic.

03

Available Day & Night

Life doesn't follow office hours. Neither do I. Reach me by phone, WhatsApp, or email — whenever you have questions.

04

Education First, Always

Every option explained in plain English. You'll feel confident and informed — never confused or pressured into a decision.

100% Independent Broker
0% Market Loss on IULs
A+ Rated Carrier Partners
24/7 Client Support
Do Your Research

Learn Before You Decide

An informed client is the best client. Explore these trusted resources at your own pace — then reach out when you're ready to talk.

An IUL is a permanent life insurance policy whose cash value grows based on a stock market index (like the S&P 500) — but with a 0% floor, meaning you never lose money when the market drops. Used for tax-free retirement income, family protection, and wealth building.
Investopedia

IUL Insurance Explained

A comprehensive beginner's guide to how IULs work, their pros and cons, and who they're best for.

Read Article →
NerdWallet

Is an IUL Right for You?

NerdWallet breaks down IUL benefits, costs, and how it compares to other life insurance options.

Read Article →
Forbes Advisor

IUL: Pros, Cons & How It Works

Forbes explains cap rates, participation rates, and how cash value accumulates inside an IUL.

Read Article →
Greg's Quote Tool

Get an Instant Life Insurance Quote

Ready to see real numbers? Get a personalized estimate in minutes — no commitment required.

Get My Quote →
An annuity is a contract with an insurance company where you contribute money and, in return, receive a guaranteed stream of income — now or in the future. Fixed Index Annuities grow safely with market-linked returns, but your principal is always protected from loss.
Investopedia

What Is an Annuity?

A full breakdown of annuity types, how they work, and the pros and cons of each.

Read Article →
Annuity.org

Fixed Index Annuities Explained

Deep dive into how FIAs protect your principal while still growing your retirement money.

Read Article →
NerdWallet

Annuities: What They Are & How They Work

Plain-English guide to understanding annuities before you buy — including what to watch out for.

Read Article →
SSA.gov

Social Security Retirement Benefits

Understand your Social Security income — then see how an annuity can supplement it.

Visit Site →
Whole life insurance covers you for your entire life with fixed premiums that never increase. It builds guaranteed cash value over time that you can borrow against — offering both lifelong protection and a savings component.
Investopedia

Whole Life Insurance Explained

How whole life works, how it compares to term, and when it makes the most financial sense.

Read Article →
PolicyGenius

Whole Life Insurance: Is It Worth It?

An honest look at who whole life is right for and when other options may serve you better.

Read Article →
Greg's Quote Tool

Get an Instant Quote

Compare whole life options instantly — see real numbers with no obligation.

Get My Quote →
Final expense insurance is a small whole life policy designed specifically to cover end-of-life costs like funeral, burial, and outstanding medical bills. It typically requires no medical exam and is easy to qualify for — keeping your family from unexpected financial burdens.
Investopedia

Final Expense Insurance Explained

What it covers, who needs it, and how to choose the right policy amount for your family.

Read Article →
NFDA

Average Funeral Cost in the U.S.

Real data on the cost of funerals today — and why having coverage matters more than ever.

View Report →
PolicyGenius

Is Final Expense Insurance Worth It?

A balanced look at final expense coverage and how to find the best rates available.

Read Article →
When you leave a job or retire, you can move your 401k to another account without taxes or penalties — this is a rollover. Many people roll into a Fixed Index Annuity to protect savings from market crashes and turn it into guaranteed lifetime income.
Investopedia

401k Plan: How It Works

Understand your 401k fully before deciding what to do with it at retirement or job change.

Read Article →
IRS.gov

Official IRS Rollover Chart

See exactly which accounts can be rolled into which — straight from the IRS, no guessing.

View Chart →
Annuity.org

Rolling Your 401k Into an Annuity

A step-by-step guide to rolling your 401k into an annuity without penalties or tax issues.

Read Article →
NerdWallet

How to Roll Over a 401k

Plain-English walkthrough of the rollover process and all your options explained clearly.

Read Article →

Have questions after reading? Greg is happy to explain anything — no pressure, completely free.

Talk to Greg for Free →
Common Questions

Frequently Asked Questions

Answers to the questions Greg hears most often — in plain English.

How is an IUL different from regular life insurance? +
Regular term life insurance only pays a death benefit — it expires and builds no value. An IUL is permanent coverage that also builds cash value linked to a market index (like the S&P 500). That cash value grows tax-free and can be accessed as a tax-free loan for retirement income, emergencies, or college costs. And unlike the stock market, your cash value has a 0% floor — it never goes down.
Am I too old (or too young) for life insurance? +
There's no perfect age — but the younger and healthier you are, the lower your premiums will be and the more time your cash value has to grow. That said, there are great options for every age group. Final expense policies are designed specifically for seniors. Annuities are often best suited for people ages 50+. The best time to start is always today — rates only increase with age.
What happens to my money if I cancel my IUL policy? +
If you cancel, you typically receive the accumulated cash surrender value (CSV) of your policy — the cash value minus any surrender charges. During the early years of the policy, surrender charges may apply. This is why IULs are designed as long-term financial tools, not short-term savings accounts. Greg will walk you through all the details before you commit to anything.
How much does a consultation cost? +
Nothing. Zero. Nada. Your consultation with Greg is completely free with no obligation. Greg is compensated by the insurance carrier only if you decide to purchase a policy — and only a policy that's right for you. There's 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, meaning even if the market crashes, your account value doesn't go negative. You may earn less in a bad market year (0% instead of a gain), but you will never lose what you put in. That's the core advantage over investing directly in the stock market.
What is a 401k rollover and why would I do one? +
When you leave a job or retire, your 401k can be moved — or "rolled over" — into another account without paying taxes or penalties. Many people roll into a Fixed Index Annuity to protect their savings from market volatility and convert it into guaranteed lifetime income. Greg handles the entire process and ensures it's done correctly so you don't pay unnecessary taxes.
How quickly can I get coverage? +
It depends on the product. Final expense policies can often be approved the same day with no medical exam. IUL and whole life policies typically take 2–6 weeks depending on the carrier and whether a medical exam is required. Greg will let you know exactly what to expect for your specific situation.

Still have questions? Greg answers personally — day or night.

💬 Ask Greg on WhatsApp
Client Stories

What Clients Are Saying

Real people. Real results. Here's what clients say about working with Greg.

★★★★★

"Greg took the time to explain everything in plain English. I never felt pressured. He found me an IUL that fit my budget and now I have both protection AND a retirement plan. Highly recommend!"

MR
Maria R.
Nurse · Age 38
★★★★★

"I had an old 401k sitting around doing nothing. Greg walked me through a rollover into a fixed index annuity — now it's protected from market crashes and will give me income for life."

JT
James T.
Construction · Age 57
★★★★★

"Day & Night Services is the real deal. Greg answered my WhatsApp at 9pm on a Friday. That kind of dedication is rare. Got my mom a final expense policy the same week."

DL
Diana L.
Business Owner · Age 44
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The Longer You Wait, The More You Pay

Life insurance rates increase every year with age. Locking in your rate today could save you thousands over the life of your policy.

Lock In My Rate Now
Get In Touch

Let's Build Your Strategy Together

Your first consultation is completely free. We'll review your goals, explain your options, and design a plan that fits your life — zero commitment required.

Ready to Get Protected?

Fill out the form and Greg will reach out within 24 hours to schedule your free, no-pressure strategy session. Or reach out directly — day or night.

Greg Jimenez — Licensed Life Insurance Broker
CA Life License #4423937
National Producer Number (NPN): 21428854
Independent Broker · Not affiliated with any single carrier

Request a Free Consultation

Tell us about yourself and we'll reach out to schedule your strategy session.

By submitting this form you agree to be contacted by Day & Night Services LLC. Your information is never shared or sold. This is not an application for insurance coverage.

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