Licensed Expertise in All 50 States
We don’t work for insurance companies—we work for you.
As an independent universal life insurance broker, we scan 50+ top-rated insurance carriers to find the most flexible premiums, the highest interest crediting, and the strongest long-term guarantees—not a sales quota. This is a free service to you.
- My National Producer Number (NPN): 15524738
- Designation: CRPC® (Chartered Retirement Planning Counselor)
Call us now at (770) 755-1565 or schedule a free quote below.
Why Choose an Independent Broker Over a Bank or Captive Agent?
| Independent Universal Life Broker | Captive Agent or Bank |
| Access to Indexed, Guaranteed, and LTC Riders | Limited to one company’s specific product |
| Unbiased cost-of-insurance (COI) analysis | Hidden fees and internal costs |
| Customized funding strategies for cash value | Standard, underfunded retail illustrations |
| Institutional-level interest crediting rates | Lower “in-house” caps and participation rates |
Nationwide Service: Licensed Universal Life Agent in All 50 States
Universal life insurance is a flexible, permanent contract with state-specific regulations. We are fully licensed to provide brokerage services in all 50 U.S. states, allowing us to:
- Access top-tier carriers for Indexed and Guaranteed solutions.
- Compare the internal cost structures available in your state.
- Properly structure policies for tax-advantaged growth and LTC protection.
How We Secure Your Best Universal Life Policy
Securing a flexible permanent policy requires technical oversight. We follow a 3-step method to ensure your policy stays in force and performs as illustrated:
- Step 1: Goal Identification: We determine if your priority is a “no-lapse” death benefit or maximum cash accumulation so we can select the correct chassis for your goals.
- Step 2: Market Scan & Cost Analysis: We compare the internal fees, surrender charges, and historical crediting of the top 50 carriers to ensure you aren’t overpaying for your coverage.
- Step 3: Stress-Test Illustration: We run conservative projections to ensure your policy remains healthy even in lower-interest-rate environments, preventing future premium spikes.
Specialized Universal Life Solutions
- Indexed Universal Life (IUL): Cash value growth linked to market indices with a 0% floor to protect against market losses. If the design is solid, we’ll say so. If the caps or participation rates are too low, we’ll explain the risk before you commit.
- Guaranteed Universal Life (GUL): Often called “Term for Life,” these policies offer a guaranteed death benefit at a fixed premium without market volatility. If it is appropriate, we’ll confirm it. If it creates exposure, we’ll explain why.
- Living Benefits and LTC: Specialized riders that allow you to access your death benefit to pay for long-term care or chronic illness. We review these riders for transparency and claim ease to ensure they provide the protection you expect.
Start Your Plan With a Licensed Universal Life Expert
If you’re looking for:
- Lifetime coverage with flexible premium payments
- Maximum tax-advantaged cash accumulation
- A second opinion on a universal life illustration you already received
Deciding between flexibility and guarantees? While universal life offers adjustable premiums, you may want to review the fixed certainty of whole life insurance or the affordability of term life insurance before making a final decision.
Give us a call at (770) 755-1565 or schedule your free consultation below.