1. What is Indexed Universal Life (IUL) insurance, and how does it work?

IUL is a type of permanent life insurance that provides a death benefit and builds cash value over time, tied to an index market like the S&P 500. It offers tax-advantaged growth with no risk of market loss and can be used for retirement income, emergencies, or legacy planning.

2. Can life insurance or annuities be used as a retirement strategy?

Yes! Life insurance (like IULs) and annuities are excellent tools for creating tax-advantaged retirement income. They can provide steady, reliable payouts while protecting your money from market volatility and tax penalties.

3. When and how can I set up or access an annuity?

Annuities can be set up with a lump sum or through regular contributions. You can choose to receive income immediately or defer it until retirement. We’ll help you determine which type fits your needs and timeline.

4. Do I need long-term care insurance, even if I’m healthy now?

Yes — the best time to secure long-term care insurance is while you’re still healthy. It helps cover future costs for in-home care, assisted living, or nursing care, and protects your savings from being depleted later in life.

5. What makes your approach different from other financial professionals?

We focus on education-first planning. Our mission is to help families protect their income, grow wealth, and leave a legacy — with customized strategies, clear explanations, and a no-pressure approach.

6. How much life insurance do I really need?

It depends on your income, debts, family needs, and future goals. We use a simple process to help you calculate the right amount — starting with our Financial Legacy Quiz or a quick consultation.

7. Is this going to cost me a lot to get started?

Not at all. We work with multiple top-rated carriers to find affordable options — many clients start with coverage for less than a few dollars a day.

8. Can I get coverage if I’ve had credit issues or past health concerns?

Yes. We work with a wide range of providers and can often help clients get coverage even if they’ve been denied elsewhere. Everyone deserves financial protection — and we’ll help you find the best fit.

9. Do I need a medical exam to qualify for life insurance?

Not always. Some policies offer no-exam or simplified underwriting, especially if you're younger or applying for a smaller coverage amount. We’ll let you know your options upfront.

10. Do I have to pay for your services?

Our services are completely free to clients. This allows us to serve everyday individuals and families who are often overlooked by traditional advisors who only serve the wealthy or represent one or two companies.

11. What does the client journey look like when I book with you?

We start with a brief discovery call or quiz, followed by a personalized Financial Needs Analysis (FNA) to understand your goals. From there, we design custom strategies and support you every step of the way.

12. How do I get started?

It’s easy! Just take our Financial Legacy Quiz [link], or book a discovery call [link]. We will guide you from there.