Welcome to PBJ Insurance Services.

Unlike traditional retirement plans with strict contribution limits or penalties, an Indexed Universal Life (IUL) policy gives you a lot more control over how and when you contribute. Here’s how it works: You choose your funding amount within a set range — from minimum (just enough to keep the policy active) to maximum (based on IRS guidelines to keep it tax-advantaged). You can adjust your contributions up or down based on your business cash flow. Some months or years, you might fund it aggressively — others, you can scale back. This makes IULs especially useful for business owners with variable income: flexible contributions, and no required yearly deposits, It fits your business cash flow. Just think of it like a "financial reservoir" — you can pour more in when business is good, and slow down when needed, without losing the long-term benefits

Yes — that’s one of the biggest advantages of an Indexed Universal Life (IUL) policy. With an IUL, you can access your cash value through policy loans — tax-free and penalty-free — at any age, for any reason. Unlike retirement accounts like 401(k)s or IRAs that hit you with taxes and early withdrawal penalties before age 59½, an IUL gives you: Tax-free access via policy loans, No early withdrawal penalties, No restrictions on how you use the money (business needs, emergencies, retirement, etc.). Your cash value is yours to use — when and how you want. And since it’s a loan against your policy (not a withdrawal), your money can keep growing even while you're using it.

Yes — in many cases, an Indexed Universal Life (IUL) can be a powerful alternative or complement to traditional retirement accounts like a 401(k) or SEP IRA. Here’s why business owners often choose IUL over or alongside those plans: Traditional Plans (401(k), SEP IRA): Tax-deferred now, but taxed later Contribution limits and penalties for early access, Market risk and no downside protection, Required minimum distributions (RMDs) at age 73

IUL Strategy: Tax-free income in retirement No age limits for accessing funds — no early withdrawal penalties No market losses due to built-in protection Can pass on money tax-free to heirs No RMDs or forced withdrawals

Yes, there is a medical qualification process — but it’s often simpler than people think. Because Indexed Universal Life (IUL) is a type of life insurance, the insurance company needs to assess your health to determine coverage and pricing. This helps keep the policy tax-advantaged and properly structured. But here’s the good news: Many policies offer streamlined underwriting — sometimes without a full exam. The process can be quick and non-invasive, Business owners in reasonably good health are often excellent candidates, And if you’re concerned about qualifying, there are also options like: Lower coverage amounts with easier approval, Alternative designs using other people (like a spouse or key employee) as the insured while you own and fund the policy. Bottom Line: Yes, there’s a health check — but it’s often fast, flexible, and nothing to stress about. We’ll walk you through it every step of the way.