Life & Retirement
The complete lineup. Built around your family.
Every life insurance and retirement product we offer, what it's good for, and how it fits together. Built around protection, taxes, and how long you actually plan to live.
Indexed Universal Life · IUL
The Swiss Army knife of life insurance.
An IUL combines a death benefit with a cash-value account that grows based on the performance of a market index — typically the S&P 500. When the market goes up, you participate. When it crashes, you sit at zero. You never lose principal to a downturn.
Properly structured, the cash value can be accessed tax-free in retirement under IRS Section 7702. It's often compared to a Roth IRA — without the contribution limits — though it's life insurance, not a security or a retirement account, and any guarantees rely on the issuing insurer. It also comes with Living Benefits built in.
Best for: people who want permanent protection, tax-free retirement income, and growth that doesn't get wiped out in a bad year.
What you get
- Permanent death benefit
- Tax-deferred cash value growth
- Tax-free retirement income (when structured properly)
- 0% floor — never lose money to a market drop
- Living Benefits riders included
- Access to cash value via loans
- No required minimum distributions
Kai-Zen · Premium Financing
5x leverage on your premium. Used by people who already understand how money works.
Kai-Zen is a premium-financed IUL designed for high-income earners and business owners. You contribute. A bank lends matching capital — roughly 5x your contribution. The combined premium funds a much larger IUL policy than you could afford alone.
The result: substantially more death benefit, more tax-free retirement income, and the same Living Benefits protection. The bank loan is paid off from the policy's cash value down the line.
Best for: earners over ~$100K who want to maximize tax-free retirement without locking up all their own capital.
Heads up: this strategy has more moving parts than a standard IUL. Conversation first, then we'll show you if it actually fits.
Who Kai-Zen is for
- Income roughly $100K+ for 5 consecutive years
- Healthy enough to qualify for life insurance
- Ages 30–60 ideally
- Wants meaningful tax-free retirement income
- Comfortable with a multi-decade strategy
Term Life
Simple, affordable, time-limited.
Term life covers you for a specific period — 10, 15, 20, 25, or 30 years. If you pass during the term, your beneficiaries receive the full death benefit. If you outlive it, the policy ends.
It's the right answer when you need a large amount of coverage for a defined window — like covering a mortgage, raising kids, or protecting income during your working years. Lower premium than permanent insurance because it's temporary.
Best for: young families, anyone with a mortgage, business partners covering buy-sell agreements.
What we add: term policies through our carriers can include Living Benefits at no extra cost. Not every term policy does — ask before you buy.
Common term lengths
- 10-year term
- 15-year term
- 20-year term
- 25-year term
- 30-year term
- Convertible to permanent (most policies)
Whole Life
Permanent protection. Predictable growth.
Whole life is permanent insurance with a guaranteed death benefit and guaranteed cash value growth at a fixed rate set by the carrier. The premium never changes. The death benefit never expires as long as you pay the premium.
Slower-growing cash value than an IUL, but more predictable. Some clients prefer the certainty.
Best for: people who want lifetime coverage, want to leave a legacy, and prefer guarantees over upside.
What you get
- Lifetime death benefit
- Guaranteed level premiums
- Guaranteed cash value growth
- Potential dividends (with participating policies)
- Loans against cash value
Mortgage Protection
So your family doesn't lose the house.
Mortgage protection is term life sized to your mortgage balance. If you pass during the policy term, the death benefit can pay off the remaining mortgage. Your family keeps the house, no refinance scramble, no forced sale.
Many of our mortgage protection policies include Living Benefits — so if a heart attack, stroke, or cancer diagnosis means you can't work, you can use the policy to keep current on the mortgage while you recover.
Best for: homeowners with a mortgage, single-income or higher-income earners whose loss would jeopardize the home.
Why this matters
Your homeowner's insurance protects the house from fire. It doesn't protect your family from losing the house if you can't make the payment.
Mortgage protection covers the gap most people don't think about.
IUL for Kids
The gift that compounds for 60 years.
An IUL opened on a child has the lowest cost of insurance they'll ever pay and locks in their insurability for life. By the time they're 30, the cash value has been compounding for decades — usable for college, a first home, a business, or future retirement.
If they develop a health condition later that would normally disqualify them from getting life insurance, this policy stays in force. That alone is worth the conversation.
Best for: parents and grandparents who want to do something for kids and grandkids that no one else is doing for them.
Real-world uses
- College fund alternative (no penalty for non-education use)
- Down payment for first home
- Seed capital for first business
- Lifetime insurability lock
- Tax-free retirement income at 65+
Fixed & Indexed Annuities
Income that doesn't stop when you do.
An annuity is a contract with an insurance carrier. You put money in. The carrier guarantees income out — either for a fixed period or for the rest of your life.
Fixed annuities grow at a guaranteed interest rate. Simple. Predictable. Often used as a higher-yield alternative to CDs.
Indexed annuities credit interest based on a market index, with a floor of 0%. Like an IUL, you participate in upside without losing principal to downturns. They can be configured for lifetime income, period-certain income, or accumulation only.
Best for: pre-retirees and retirees who want guaranteed income, principal protection, and tax-deferred growth.
Types we work with
- Multi-Year Guaranteed Annuity (MYGA)
- Fixed Indexed Annuity (FIA)
- Single Premium Immediate Annuity (SPIA)
- Deferred Income Annuity (DIA)
- Lifetime income riders
IRA · Roth · SIMPLE · 401(k)
The accounts behind the strategy.
We help clients set up and roll over the standard tax-advantaged retirement accounts — and, importantly, look at how those accounts fit alongside an IUL or annuity strategy.
Most people have a 401(k) from work and stop there. The result: 100% of their retirement future is in pre-tax money they have to pay taxes on at whatever rate Congress sets. We help clients build a mix of pre-tax, post-tax, and tax-free buckets so they have options at retirement.
Best for: anyone with a 401(k), an old 401(k) from a previous job sitting orphaned, a small business owner with no plan yet, or someone whose advisor only ever talks about one type of account.
Accounts we work with
- Traditional IRA
- Roth IRA
- SEP IRA (self-employed)
- SIMPLE IRA (small business)
- Solo 401(k)
- 401(k) rollover from old employer
Next step
Not sure which one fits? That's the conversation.
Tell us a little, and we'll walk through which products actually make sense for your situation. No pitch. No pressure.
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Retirement & life topics
This page is general education, not insurance, tax, legal, or investment advice, and not an offer or recommendation of any specific policy. Life insurance products are not securities or investments. Features, riders, living/accelerated benefits, caps, costs, and availability vary by carrier and state, and any guarantees rely on the claims-paying ability of the issuing insurer. Accelerated/living benefits may be taxable and reduce or are offset against the death benefit and cash value; policy loans and withdrawals reduce both as well. Consult your own tax advisor about your situation. Life insurance offered through Goodwill Financial Group, Inc. (DBA Living Benefits Team).