Protection today. A legacy that outlasts you.

We help families and business owners choose between term life and indexed universal life — with clear numbers, independent advice and no pressure.

Book a strategy callCompare term vs. IUL
2,300+families protected
14carriers compared
4.9average client rating
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Carriers we compare Northbridge Mutual Harbor Point Life Summit & Pine Calder Financial

Two ways to protect your family.

Most clients need one, some benefit from both. We start with your goals and budget, then show you how each option performs.

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Term life

The most coverage for the lowest price, for the years your family depends on your income most.

Explore life insurance
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Indexed universal life

Lifelong coverage with cash value that can grow with a market index — and a floor against losses.

Explore IUL

See the difference before you decide.

Term is pure protection. IUL trades a higher premium for permanent coverage and potential cash value. This illustrative model shows the trade-off in your numbers.

Term vs. IUL, side by side

Adjust the inputs to see how each type of policy behaves over time.

The 0% floor in most IUL policies means a down year credits nothing rather than losing value — but fees still apply.

IUL cash value at age 60$0
Death benefit (both policies)$0
20-year term, same coverage$0

Hypothetical illustration for education only. Not a quote, not guaranteed and not based on any specific carrier’s product. Actual cash values depend on index performance, caps, participation rates, policy charges and your health class.

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Advice first. Policy second.

Because we’re independent, we’re not tied to one company’s products. We compare carriers on price, underwriting and policy features, then explain the trade-offs in plain language.

  • Needs analysis based on your income, debts and goals
  • Side-by-side quotes from multiple A-rated carriers
  • Help with medical underwriting and paperwork
  • Annual policy reviews as your life changes
How we work

From first call to policy in hand.

1

Strategy call

30 minutes to understand your family, income and what you want the policy to do.

2

Design & compare

We model term, IUL or a blend and show quotes from several carriers.

3

Apply

Simple online application. Many applicants qualify without a medical exam.

4

Review yearly

We check in each year and adjust as your income, family or goals change.

“They showed us term and IUL on the same screen and let us decide. No pressure, and the numbers made sense.”
Portrait of Priya & Arjun M.
Priya & Arjun M.Parents of two, Raleigh

“Clear explanation of how the cap and floor work. First advisor who didn’t oversell IUL.”

Marcus D., software engineer

“Approved without an exam in nine days. Lauren handled everything with the carrier.”

Ellen P., teacher

Questions we hear often

A common starting point is 10–15 times your annual income, adjusted for your mortgage, debts, children’s education and savings. We’ll run a needs analysis on your strategy call.
IUL is life insurance first. It can build cash value linked to an index, with a floor and a cap, but it has fees and works best when funded consistently for many years. For some people term plus separate investing is the better fit, and we’ll tell you if that’s you.
Not always. Many carriers offer accelerated underwriting for healthy applicants up to certain ages and coverage amounts, using health records instead of a lab visit.
Nothing directly. We’re paid a commission by the carrier you choose, and the premium is the same as buying direct.
Most term policies we recommend include a conversion option that lets you switch to permanent coverage without new medical questions, within a set window.

Light the way for the people who count on you.

A 30-minute strategy call. We’ll review what you have, what you need and what it would cost — then you decide.

Book a strategy callCall (555) 019-3340