Frequently Asked Questions

When is the best time to start an IUL strategy?

The earlier, the better — but it’s never too late. The sooner you start, the more time your money has to grow tax-advantaged cash value. Most of our clients start in their 30s to 50s, but we’ve worked with people in their 20s through retirement.

How much does this cost?

There’s no fee to work with us. Your consultation is 100% free, and you only pay if you choose to fund your plan. That contribution becomes your policy’s foundation — not a fee to us. We’re paid directly by the carrier, not out of your pocket.

Is this like investing or the stock market?

Nope — IULs are not tied directly to the market, so your money is protected from loss. Instead, your growth is linked to market performance (with a cap and floor) — so you can earn when the market goes up, but never lose when it goes down.

What happens during the free consultation?

We’ll learn about your financial goals, family, and timeline — and then show you a strategy that matches your situation. There’s no pressure, no obligation, and you’ll walk away knowing exactly what’s possible.

Can I access my money before retirement?

Yes — that’s one of the biggest advantages. You can access your cash value through policy loans or withdrawals to use for emergencies, opportunities, income, or anything else — with no taxes or penalties when structured properly.

What if I’m not in perfect health?

That’s okay. Many of our clients have minor or moderate health conditions and still qualify. We’ll ask you a few simple questions upfront and match you with the best carrier based on your unique profile.

What are “living benefits”?

Living benefits allow you to access part of your life insurance while you're still alive — if you're diagnosed with a major illness, chronic condition, or critical injury. It's like having financial protection for life’s what-ifs, not just for death.

Is this the same as whole life insurance?

No — while both are permanent life insurance, Indexed Universal Life (IUL) policies offer more flexibility and growth potential. IULs give you the ability to build tax-free income and adjust contributions over time, depending on your needs.

Protected by strategy. Powered by legacy.

We partner with top-rated providers to design a custom plan that fits your goals, your values, and your budget — not the other way around.

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