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With over 75 years of collective industry experience, our Advanced Market team specializes in assisting you in expanding your business with high net worth individuals and business owners. We are dedicated to delivering superior sales concepts that can help you achieve your financial goals. Explore our sales concepts to learn more:

Financial Solutions
Bonus Arrangements
Flexible way to provide benefits to key employees as a way to reward and retain these employees.
A properly structured buy-sell agreement with an adequate finance mechanism protects a firm if the owner dies, gets sick, or quits.
Executive Benefits
Reward and encourage a limited set of employees with salary continuance, executive bonus, split dollar, or other non-qualified perks.
Key Person
Life insurance purchased by a business owner to protect the business in the event of a loss of the key person.
Executive Underwriting program to guarantee or simplify executive benefit plans with more than 10 lives.
Premium Finance
Strategy used by affluent or emerging affluent individuals to finance premiums for large life insurance policies.
Qualified Plans
Allows company owners to make tax-deductible contributions for retirement income, tax-deferred growth, and life insurance protection.
Split Dollar
Use business funds to help pay for a personally owned permanent life insurance policy through leveraging a lower corporate tax rate.

An Indexed Universal Life (IUL) insurance policy is usually a fixed universal life (UL) policy whose interest is determined, at least in part, by the performance of a specified index of the market. Unlike traditional UL policies, the policy owner may receive zero interest for a single crediting period if the index performs poorly. However, with most designs, the premiums are protected and guaranteed to credit a minimum interest rate in the event the policy is surrendered. The owner of an IUL policy may experience better interest crediting than a traditional UL policy during periods when the market performs well. IUL policies do not directly participate in any stock or equity investments.

The 0% or 1% “floor” provided by an IUL policy ensures that during crediting periods where the index is negative, that no less than 0% or 1% interest is credited to the index strategy. However, monthly deductions continue to be taken from the account value, including a monthly policy fee, monthly expense charge, cost of insurance charge, and applicable rider charges, regardless of interest crediting.

The use of cash value life insurance to provide a tax-free resource for retirement, debt, or student loans assumes that there is first a need for the death benefit protection. Policy loans and withdrawals reduce the policy’s cash value and death benefit and may result in a taxable event. Withdrawals up to the basis paid into the contract and loans thereafter will not create an immediate taxable event, but substantial tax ramifications could result upon contract lapse or surrender. Surrender charges may reduce the policy's cash value in early years. Living benefits may be provided by riders, which are supplemental benefits that can be added to a life insurance policy and are not suitable unless you also have a need for life insurance.  Riders are optional, may require additional premium and may not be available in all states or on all products.  This is not a solicitation of any specific insurance policy.