As an independent advisor, I’m not tied to any single insurance company. That means I work for you — helping you compare policies from top-rated carriers to find the best fit for your needs, goals, and budget.

If someone relies on your income — a spouse, kids, or even a business partner — life insurance can provide essential protection. It ensures your loved ones are financially secure if the unexpected happens.

IUL is a flexible permanent life insurance policy that includes a death benefit and a cash value component tied to market indexes (like the S&P 500). It can grow tax-deferred and be used for retirement, emergencies, or wealth transfer — all while protecting your family.

Yes — IUL can be a powerful supplement to retirement because of its tax-advantaged growth, liquidity, and no market loss guarantees. It’s not for everyone, but when used correctly, it can be a smart long-term tool.

It depends on your income, debts, family size, and future goals. I’ll walk you through a simple process to calculate the right amount — no pressure, just clarity.

• Term is temporary and more affordable — it covers you for a set period.

• Permanent (like IUL) lasts your entire life and builds cash value.
  I’ll help you decide which one fits your life stage and goals.