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 from 20 to 85. 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.
