Find the strategy that fits where you are.

Yes. Every plan here is built on a permanent life insurance policy: participating whole life for the Banking Action Plan and Debt Action Plan, Indexed Universal Life for My New Retirement. It isn’t an investment, a savings account, or a bank account, and cash value isn’t FDIC-insured.

Whole life tends to fit when you want guaranteed, predictable values, can commit to a fixed premium for many years, and plan to borrow against the policy along the way once cash value has built. IUL tends to fit when you have a long horizon, want flexible funding and more upside potential (with more year-to-year variation), and are building toward retirement income. The Strategy Match is a starting point; the strategy session is where we look at your actual numbers. See the full comparison.

No. It suggests a plan to look at based on your answers. Whether a policy fits you is decided in a strategy session, after we review your situation.

The insurer. It lends you its own money and holds your cash value as collateral, and you pay the interest to the insurer, not to yourself. There’s no required repayment schedule, but unpaid interest is added to the loan, the balance is subtracted from the death benefit, and if the loan grows larger than the cash value the policy can lapse, and the gain can become taxable income.

Cash value life insurance and its tax treatment are written into federal tax law (IRC 7702, 101(a), and 72(e)). In your first session we’ll show you how the structure works and where those rules come from.

About 30 minutes, at no cost. We’ll ask about your goals, income, debts, and current accounts, then walk through the plan that fits, with the insurer’s guaranteed and projected values side by side. If none of the plans fits, we’ll tell you.