The problem
What's actuallygoing wrong withyour permanent policy.
- 01
The illustration was never explained
Illustrated rates are not guarantees. We read the guaranteed column with you, not just the projection.
- 02
Funding levels are too thin
An underfunded policy can lapse later, exactly when replacing coverage is most expensive.
- 03
Caps and participation rates were ignored
These terms determine how much index performance is actually credited to your cash value.
- 04
Nobody reviews the policy annually
Costs, crediting and funding all shift over time. An annual statement review keeps it on track.
Let’s protect
We can’t predict future,
but we can prepare
A short conversation is usually enough to see where your coverage stands today, what a gap would actually cost your household, and which carriers price your situation best. No pressure, no cost.
What makes us apart
Indexed Universal Life (IUL)
What an IUL does and does not do
An Indexed Universal Life policy provides a death benefit for life as long as it stays funded, with a cash value component credited based on the performance of a chosen index, limited by a cap and protected by a floor.
It is not a market investment and it is not a substitute for a retirement account. Used properly, it can complement them. We show guaranteed and non-guaranteed figures side by side before you decide.
Important considerations
- Guaranteed versus illustrated values
- Cap, floor and participation rate mechanics
- Policy charges and funding requirements
- Access to cash value through loans and withdrawals
Frequently asked questions
Indexed Universal Life (IUL)
No. It is life insurance with an index-linked crediting method. Values are subject to policy charges and carrier terms.
The floor limits index-linked crediting losses, though policy charges continue to apply.
Typically through loans or withdrawals, which reduce the death benefit and can affect policy performance.
People who want lifetime coverage, already fund their retirement accounts, and can commit to consistent premiums.
Bring your annual statement. We review funding and projected values at no cost.
What makes us apart
Life & Family
Protection
Final word
Get your free lifeinsurance consultation.Serving all of California.
One short conversation. Real options, real numbers. No pressure, no spam, no cost.