Frequently Asked Questions

Both are long-term financial tools that grow tax-deferred based on a market index, with no risk of market loss. The key difference is:

• IULs offer lifelong life insurance coverage plus a cash value component that grows over time.
   
• FIAs don’t include life insurance but are used strictly to grow savings safely and steadily, especially when insurability is a concern.

 Some families prefer to focus solely on building a financial asset rather than including a life insurance benefit. Others may want to start with a FIA now and add an IUL later. Annuities can also be ideal if you're looking for guaranteed growth potential and simple, steady savings over time. 

That’s what we’re here for. We’ll take time to understand your family’s needs, goals, and situation, and guide you to the option that fits best—whether that’s an IUL, a fixed indexed annuity, or a combination of both. 

Absolutely. Many families use both to balance protection and long-term financial growth. Think of it as building two layers of security: one with lifelong coverage and one with safe, reliable savings that can be used for future milestones. 

 Yes! Both IULs and FIAs offer tax-deferred growth. With an IUL, your child can also access the cash value through tax-free loans and withdrawals (if the policy is structured properly). FIAs grow tax-deferred, and distributions later in life can be taken as income. 

Both can be used to help fund education. An IUL offers flexibility and access through loans or withdrawals, while a FIA can provide structured payouts. The best choice depends on your savings goals, timeline, and whether you’d like additional benefits like life insurance or just pure financial growth. 

The earlier, the better. Time is one of the most powerful tools in building long-term financial security. Starting while your child is young allows for decades of potential growth—and often, lower initial contributions. Whether it’s life insurance or an annuity, these products are long-term financial assets that can support college, home ownership, or even retirement later in life.

Most children are healthy and easily qualify for coverage—but in some cases, insurance carriers may decline an application due to:

• Serious medical conditions diagnosed at birth or in early childhood (like congenital heart defects or immune disorders)
   
• Genetic or hereditary conditions with known health risks
   
• Developmental delays or intellectual disabilities that require ongoing care
   
• A history of major hospitalizations, surgeries, or current medical treatments
   
• Use of certain medications tied to chronic or high-risk conditions
   

Each insurance company has its own underwriting guidelines, and eligibility is determined on a case-by-case basis.

Absolutely. If your child is unable to qualify for life insurance, we offer Fixed Indexed Annuities (FIA's) designed to help families grow money safely over time. These annuities are a great alternative for building a financial future—especially for children with health concerns. FIAs grow based on market performance but protect your original contribution from market loss. It’s a secure, steady way to create future financial options for your child.