Design Your Tax-Advantaged Wealth Strategy Session with an IUL Specialist Today!

Education-first guidance for professionals, business owners, and families looking to protect capital, optimize cash flow, and build long-term legacy using properly structured Indexed Universal Life strategies.

Licensed Financial Strategist | IUL Wealth Engineering | Wealth Builders Insurance Agency

Why This Is Different Than a Typical Insurance Call

This is not a sales call and it’s not a generic insurance quote. At Wealth Builders Insurance Agency, we specialize in Indexed Universal Life (IUL) Wealth Engineering — by using properly structured, max-funded, non-MEC strategies designed to:

  • Create tax-advantaged growth of capital

  • Provide flexible, penalty-free access to capital

  • Reduce long-term market risk exposure

  • Provide diversity in retirement income sources

  • Support legacy transfer and generational wealth building

When structured correctly, an IUL can function as a financial Swiss Army knife—supporting protection, liquidity, and long-term planning inside of one coordinated system.

Design matters. Strategy matters. Education comes first.

What You’ll Walk Away With

  • A clear understanding of how IULs work when designed properly

  • Comparison insights between IUL strategies and traditional options like 401(k)s

  • A discussion around tax-free access, living benefits, and policy design

  • Clarity on whether an IUL strategy fits your goals — or not

  • Next steps only if alignment exists

📌 No pressure. No obligation. Just clarity.

This is for you:

  • You’re a professional or business owner

  • You already have assets and want to optimize them

  • You value flexibility, liquidity, and tax efficiency

  • You prefer strategy over hype

  • You are forward thinking and Legacy focused

This is NOT for you:

  • You’re looking for a quick return or speculation

  • You want a one-size-fits-all solution

  • You’re only shopping for the cheapest policy

  • You don't care about what happens financially in your future

  • You're not wanting to learn anything new

Schedule Your Wealth Strategy Call

If education-first planning and long-term clarity matter to you, schedule a call below. This session is designed to determine what aligns with you — not force a decision.

Wealth Builders Insurance Agency provides insurance and financial education services. Indexed Universal Life policies are insurance products and are not investments. Policy performance depends on product design, carrier terms, and funding strategy. Tax advantages are based on current tax law and may change.

Frequently Asked Questions

Common Questions Answered for your convenience

What is life insurance, and how does it work?

Life insurance is a contract between you and an insurance provider where, in exchange for regular premium payments, your beneficiaries receive a lump-sum payment upon your death to help cover expenses, debts, or provide financial security.

What are the different types of life insurance?

The two main types of life insurance are term life, which provides coverage for a specific period, and whole life (or permanent life insurance), which offers lifetime coverage and may include a cash value component.

How much life insurance coverage do I need?

The amount of coverage depends on your personal circumstances, including income, debts, dependents, and future financial goals like education or retirement for your family. A common recommendation is to have 10-15 times your annual income.

How are life insurance premiums determined?

Premiums are typically based on factors such as age, health, lifestyle, occupation, and the amount of coverage you choose. Smoking, pre-existing medical conditions, and high-risk activities can increase your premium.

What happens if I miss a premium payment?

If you miss a payment, many policies offer a grace period to make up the premium. If the payment isn't made during that time, the policy may lapse, and coverage will end. Some whole life policies may allow you to use accumulated cash value to cover premiums temporarily.

Can I change my life insurance policy after it starts?

Yes, depending on the policy, you may be able to adjust coverage, switch beneficiaries, or even convert a term life policy to a whole life policy. It’s best to review your options with your provider to ensure flexibility as your needs evolve.