With a deep understanding of the industry and a commitment to excellence, we specialize in providing tailored coverage to meet your unique needs. Our priority is to provide a tax-free income strategy by blending tax planning, retirement strategy, and legacy planning to entrepreneurs using a little known approach. Our aim is to protect what matters most to you, offering peace of mind and unmatched dedication to ensuring your best interests are always at the heart of what we do.
I’ve worked with many insurance providers globally, but none have offered such personalized service. Their team truly goes above and beyond.
Exceptional experience from start to finish. They took the time to understand my needs and offered the best solutions tailored to my situation.
I’m impressed by their global reach and professionalism. Their quick responses and reliable support make them my top choice for health coverage.
Am I really insulated from market losses?
Absolutely! An Indexed Universal Life (IUL) policy lets your money grow based on the performance of a stock market index (like the S&P 500) — but your money is not actually invested in the market. Instead, the insurance company tracks the index and gives you interest based on how it performs, up to a certain limit (called a cap). But here's the best part: If the market goes down, you don’t lose money. The insurance company guarantees you’ll never earn less than 0% (some even guarantee 1%). So when the market goes up, you can benefit — and when it goes down, you’re protected
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.
3548 Ridgemill Circle Dacula, Dacula GA 30019
(404) 777-5261
© 2025 | PBJ Insurance Services