About Us

We bring our industry experience to each and every client. Whether you're looking to acquire an IUL or looking to gather information, our knowledgeable team has the skills and tools to properly structure a policy to make sure the assignment is done right, and to leave you with a solution that you'll be proud to put to use.

We continue to build our reputation for personalized service and quality solutions with each and every client. We are dedicated to offering flexible solutions that work for you while providing consistent results that meet your standards. Our team is large enough to deliver professional grade, durable solutions while offering the personal touches that ensure you meet your goals, exceed your expectations, and are fully able to put our solutions to use for continued success.

Contact us or stop in today to speak with one of our knowledgeable team members and learn more about what we can do for you.

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Flexibility to Meet Your Needs

An Index Universal Life (IUL) policy offers significant flexibility, making it an attractive choice for many. With an IUL, you can adjust your premium payments to suit your financial situation, either increasing or decreasing them as needed. If your cash value has grown sufficiently, you can even use it to cover premiums. Additionally, the policy allows for tax-free loans and withdrawals from the cash value, providing you with accessible funds for major expenses like college tuition or retirement. This flexibility ensures that your IUL policy can adapt to your changing needs and financial goals, offering both protection for your loved ones and a versatile financial tool for you.

Policy Structure

To properly structure an Index Universal Life (IUL) policy, start by determining the appropriate death benefit to meet your protection needs. Next, fund the policy adequately with premiums to build cash value over time. Decide on premium payments that balance cash value over time. Decide on premium payments that balance affordability with growth potential for the cash value. Allocate funds to index accounts such as the S&P 500. Regularly review and adjust your policy to keep it aligned with your financial goals.

Living Benefits

Living benefits in an Index Universal Life (IUL) policy provide financial support during the policyholder’s lifetime. These can include accelerated death benefits, allowing access to a portion of the death benefit if diagnosed with a terminal illness. Critical illness and chronic illness riders offer funds if the policyholder faces severe health issues, helping cover medical expenses and lost income. Long-term care riders provide financial assistance for extended care needs. These benefits enhance the policy's value, offering peace of mind and financial flexibility during challenging times by providing access to funds when they're most needed.

Quality

We provide robust, flexible Index Universal Life (IUL) policies that offer long-term financial security. We achieve this by tailoring policies to your unique needs and ensuring they are structured for optimal growth and protection. Our policies utilize high-quality options and proper strategies to maximize benefits and longevity. We also ensure you fully understand your IUL policy, helping you leverage it to meet your financial goals. Our team of experienced professionals is always available to assist with your questions or concerns. Contact us today to learn more about our IUL policies and how we can support your financial future.

About Us

Flexibility to Meet Your Needs

Policy Structure

Living Benefits

Quality

Gregory Watkins | Agent ID: 1268836