The process is simple, but it’s not something you can do on your own. These policies must be set up through a licensed insurance agent or broker who specializes in designing them to boost your policy’s value and performance.

As a licensed insurance broker, I create your plan based on your goals, budget, and health, then submit it to an insurance company that offers this type of policy (most don’t). This way, you get a plan that’s set up right from the start and built to work for you long-term.

You fund a special type of life insurance policy that’s designed to do two things at once — protect your family and build tax-advantaged savings you can use during your lifetime.

A portion covers the cost of insurance, and the rest grows in a cash value account that earns interest and gives you the ability to access funds for opportunities, emergencies, or retirement.

We start with a short call to talk about your financial priorities, available resources, and personal situation. From there, I create a custom design built to grow your money safely, give you flexible access, and work toward your long-term goals.

If it’s a fit, we’ll go over your plan together and then submit it to an insurance company that offers the right policy for you.

Term insurance is temporary coverage with no savings. Whole life builds savings but can be rigid and slow-growing.

This type of policy is more flexible, can grow faster when designed correctly, and can be customized to boost your policy’s growth potential, maintain access to your money, and provide tax-friendly benefits over time.

Yes — you can keep your current policy.

You’re allowed to have more than one, and we’ll design a brand new policy for you that’s built to increase policy value, give you more control, and provide lasting protection. This way, you keep what you already have while adding a powerful new tool to your financial plan.

If you want access in the first year, we can design your policy to allow it — sometimes within 30 days — but this usually requires paying at least the first year’s premium upfront.

If you fund the policy monthly and at lower amounts, you’ll typically have access by your second year. Letting your policy grow for a few years before taking money out will give you greater growth potential and more flexibility later.

If early access matters to you, we’ll make sure your design reflects that.

No — these policies are only available to U.S. residents. If you live outside the U.S. — even if you are a U.S. permanent resident or U.S. citizen — I can’t set one up for you.

Check with an insurance broker or agent in the country you reside in to see if there’s something similar available where you live.