What I write
Coverage that doesn't run out.
I mainly write three kinds of policy: whole life, indexed universal life (IUL), and final expense. All three are built to last your whole life. Here's how each one works, in plain words.
Whole life
Coverage for life. No surprises.
Permanent coverage with a premium that's set the day you buy it and never goes up.
Good fit when: You want it in place no matter when, and you like guarantees.
Worth knowing: Costs more up front than term. In exchange, nothing about it changes on you.
See what whole life would cost meIndexed universal life (IUL)
Lifetime coverage with room to grow.
Permanent coverage whose cash value earns interest based on a stock market index, without being invested in the market directly.
Good fit when: You want lifetime coverage and more upside on cash value, with fewer guarantees than whole life.
Worth knowing: Policy charges come out every month and rise with age, so the cash value can still go down. Underfund it and it can lapse. I'll show you how yours is funded before you sign anything.
See what IUL would cost meFinal expense
The funeral and final bills, handled.
A smaller whole life policy, usually with a simpler approval.
Good fit when: You want the last bills covered without a big monthly payment.
Worth knowing: Usually a few health questions instead of a medical exam. Depending on your health, some policies pay a limited benefit in the first two years.
See what final expense would cost meSide by side.
| Question | Whole life | IUL | Final expense |
|---|---|---|---|
| How long it lasts | Your whole life, as long as premiums are paid | Can last your whole life, depending on how it's funded | Your whole life |
| What you pay | Fixed. It never goes up | Flexible. Pay more in good years, less in lean ones, within the policy's limits | Fixed. A smaller policy, so a smaller payment |
| Cash value | Grows at a guaranteed rate. You can borrow against it | Interest credited from an index like the S&P 500, up to a cap. A floor (often 0%) means a down year in the index doesn't take credited interest away | A small amount |
| Good fit when | You want it in place no matter when, and you like guarantees | You want lifetime coverage and more upside on cash value, with fewer guarantees than whole life | You want the last bills covered without a big monthly payment |
General explanations of how these policy types work. Rates, caps, floors, fees, and terms vary by company and policy; your policy's documents control.
One agent. Nine companies.
I didn't sign on with every company out there. I chose these because they're strong for the families I work with. Then I find the one that fits yours.
Questions about the policies.
Whole life or IUL?
Whole life if you want guarantees: a fixed price and cash value that grows at a set rate. IUL if you want more upside on the cash value and you're willing to fund it well and accept fewer guarantees. Some families want one of each. We'll look at both with your numbers.
Can I use the cash value while I'm alive?
Yes, through policy loans or withdrawals, depending on the policy. Whatever you take out and don't pay back comes off what your family receives, and pulling too much can make a policy lapse. I'll show you the rules for yours.
Why not just buy term? It's cheaper.
Up front, yes. But term ends, often right when people start needing it most. If the goal is to make sure your family is never left short, the coverage has to still be there. I write term when it fits. Most of the time I'm building something that lasts.
See what it would cost you.
Leave your name and number and I'll call you back myself. I'll ask a few questions, run your numbers with the companies I write for, and walk you through what I find. Talking costs nothing, and you're not signing anything on that call.
Rather talk now? Call (936) 201-9836