Is it even right for you? Two minutes.
Seven questions, one screen each. No numbers, no products, nothing to buy. At the end you get one of four honest answers, and two of them are "probably not this."
Without JavaScript the sorting can't run here. Book the Zoom and we'll find out together.
Fix the basics first. Then we talk.
Based on your answers, an emergency fund, high-interest debt, or an uncaptured employer match comes before any permanent life insurance policy. That isn't a brush-off; it's the order that protects you.
If your family needs protection now, term life is the most affordable way to get it while you fix the basics. I sell that too, and I'll tell you what I'd do in your spot. Thirty minutes, no pressure.
Nothing here is advice or an offer of coverage. It's a sorting question, answered honestly.
Term probably fits you better.
You need coverage for a set number of years, or you may need this money back early, or long-term funding isn't a sure thing. In every one of those cases a level term policy costs less and is simpler, and an IUL's front-loaded charges work against you.
I'd rather get you the right thing than the expensive thing. If you want a second opinion with real numbers, book the Zoom and I'll show you both.
Nothing here is advice or an offer of coverage. It's a sorting question, answered honestly.
You want a guaranteed number. Good. Then let's start there.
An IUL's cash value is not guaranteed; the guaranteed column on its illustration is deliberately conservative. A whole life policy or a fixed product gives you the number you're asking for, at a slower pace.
On the Zoom I can put both side by side so you see exactly what you trade for the guarantee.
Nothing here is advice or an offer of coverage. It's a sorting question, answered honestly.
Worth a look. On a screen, with your numbers in it.
Basics covered, lifetime horizon, able to fund it, and comfortable with projections as long as the guaranteed column is right next to them. That's the profile this policy was designed for.
That doesn't mean yes. It means the illustration will tell us. Thirty minutes, three questions answered without you asking, and three honest outcomes at the end.
Nothing here is advice or an offer of coverage. It's a sorting question, answered honestly.
I'll call you. Just me.
Your fit check answers come with the form, so we start where you left off. Call or text works too: (305) 331-6906.