Market-linked growth with a guaranteed floor of zero. Your money grows with the market — and never shrinks. Plus a death benefit your family can count on for life.
An Indexed Universal Life (IUL) policy protects your family with a permanent death benefit and builds real cash value tied to a stock market index — without you ever being in the market directly.
When the market goes up, your policy gets credited a portion of those gains. When the market goes down, your 0% floor kicks in — your account stays flat and you keep every dollar you've built.
That cash value grows tax-deferred and can be accessed tax-free through policy loans — for retirement income, emergencies, or anything else you need during your lifetime.
No market risk. Gains are credited — losses are absorbed by the carrier, not you.
Tax-free access. Pull cash out without paying a dime in income tax through policy loans.
Never expires. Unlike term life, this policy stays active for the rest of your life.
Living benefits. Access your death benefit early if you face a chronic or critical illness.
Starting at 60 with a $300/month premium. Here's how an IUL stacks up against a 401(k) and a savings account over 20 years.
One policy. Protection, growth, flexibility, and a living benefit — all built in.
Cash value grows with the S&P 500 index — in good years you earn, in bad years you're protected by the 0% floor. You never go backwards.
Market down 30%? Your account stays flat — zero change. You keep every dollar you've accumulated, no exceptions, no matter what the market does.
Access your cash value through policy loans — completely tax-free. Many clients fund retirement income, college, or a business this way.
Get a portion of your death benefit while you're still alive if diagnosed with a critical, chronic, or terminal illness. Most policies include this at no extra cost.
Life changes — your policy adjusts with it. Increase, decrease, or pause premiums as your financial situation evolves. Your coverage stays in force.
Your IUL never expires. Your family receives a tax-free death benefit regardless of when you pass — and your cash value belongs to you along the way.
Veterans have specific financial needs — gaps that VGLI and the VA don't cover. An IUL addresses almost all of them in a single policy.
VGLI premiums increase every 5 years after service. An IUL locks in your rate and stays permanent — same coverage, for life, without cost increases.
IUL cash value doesn't affect your VA disability compensation or pension eligibility. Build significant tax-free wealth without touching your earned benefits.
Combat-related conditions can surface years after service. Living benefits let you access your death benefit early if a qualifying diagnosis hits — filling real gaps VA care leaves behind.
Whether you're transitioning to a civilian career, on disability pay, or between jobs — your IUL premium can flex with you without losing your policy.
David handles everything from first call to approved policy — no paperwork stress, no jargon.
Call or text David to talk through your goals, budget, and situation. No commitment, no pressure. Just clarity on what's possible for you.
David runs a custom projection showing year-by-year cash value growth, death benefit amount, and exactly what you'll have access to at retirement age.
David handles the application start to finish. Most clients are approved in a few business days. No medical exam required for many policies.
From day one, your family is protected and your cash value starts growing — capturing market gains, shielded from market losses.
David works exclusively with families and veterans who deserve real financial protection — not confusing products or high-pressure tactics. His approach is simple: understand your situation, show you what's possible, and let you decide.
Specializing in indexed and permanent life insurance, David helps clients build financial foundations that last — protection and wealth in a single policy, built around real life.
Based in the Tampa Bay area, David serves clients across 14 states and is available anytime by call or text.
David is a licensed Insurance Producer authorized to sell life insurance products in the following states.
A 15-minute call shows you exactly what an IUL looks like for your family — real numbers, zero pressure.