Independent life insurance agent · South Florida

Protect the life you've built.

Indexed universal life (IUL): a death benefit for your family, living benefits for you, and cash value that builds tax-advantaged wealth, all in one policy. Plus mortgage protection, final expense, term life, and annuities, shopped across multiple carriers. Based in South Florida, serving clients in six states by phone and video.

Get my free quote → How IUL builds wealth

Indexed Universal LifeIUL Specialist

Yes, that's really meThe agent you'll talk to

6States licensedNPN 22238781

Licensed in 6 states

FLTXOHVANCMI

Call or text anytime(954) 260-5011

Home baseSouth Florida · Palm Beach to Miami Beach

Virtual appointmentsAnywhere in FL, TX, OH, VA, NC & MI

Indexed Universal Life ✦ Death Benefit ✦ Living Benefits ✦ Cash Value ✦ Tax-Advantaged Wealth ✦ Mortgage Protection ✦ Annuities ✦ Retirement Income ✦ Final Expense ✦ Term Life ✦ Indexed Universal Life ✦ Death Benefit ✦ Living Benefits ✦ Cash Value ✦ Tax-Advantaged Wealth ✦ Mortgage Protection ✦ Annuities ✦ Retirement Income ✦ Final Expense ✦ Term Life ✦

$0 for my helpCarriers pay me. Your premium is the same as buying direct.

A real person, not a botI'm busy serving clients, so there's no instant auto-reply. Every call and text gets a personal answer from me, in a timely manner.

No-exam optionsMany plans approve with a phone interview and a few health questions.

Licensed & verifiableNPN 22238781 · Verify with Florida DFS ↗

The life you're protecting

Everything you've built, kept.

Couple on a boat on the Intracoastal at sunset

Indexed Universal LifeThe life you planned to enjoyExplore Indexed Universal Life →

Modern waterfront home in Boca Raton at dusk

Mortgage ProtectionThe home you worked forExplore Mortgage Protection →

Term LifeDinners together, for years to comeExplore Term Life →

Grandparents walking with their grandchild on the beach

Annuities & RetirementTime with the grandkidsExplore Annuities →

A grandmother and her daughter laughing together on a porch swing at golden hour

Final ExpenseNothing left for them to carryExplore Final Expense →

Your turnProtect what's yours.Get my free quote →

Build wealth. Protect everything.

One conversation, every major option. I work for you, not for one insurance company, so we compare plans side by side and pick what actually fits.

My specialty Builders & owners

Indexed Universal Life

Three parts in one policy: a death benefit for your family, living benefits if you get seriously ill, and cash value linked to a market index with a 0% floor and tax-advantaged access.

Homeowners

Mortgage Protection

Pays off or covers the mortgage if you pass away, so your family keeps the house. Many plans also include living benefits for critical, chronic, or terminal illness.

Seniors & retirees

Final Expense

Whole life coverage sized for funeral costs and final bills. Simple health questions, fixed premiums, and coverage that never expires.

Young families

Term Life

The most protection for the lowest cost during the years that matter most: small kids, a new home, a growing business.

Pre-retirees

Annuities

Protect savings from market drops or turn them into a paycheck you can't outlive. Fixed and fixed indexed options.

One policy. Three ways it works for you.

Top IUL producers explain it in three parts, and so do I. Every indexed universal life policy protects your family, protects you, and builds wealth at the same time.

Death Benefit+Living Benefits+Cash Value=One IUL policy

A mother hugging her children on the steps of their home

Part I

Death Benefit

Protects your family

Lifetime coverage when the policy is funded properly
Paid to your beneficiaries, generally income-tax-free
Replaces income, pays off the home, funds a legacy

How the death benefit works →

A man relaxing at home with his wife bringing him coffee

Part II

Living Benefits

Protects you while you're alive

Critical illness: heart attack, stroke, cancer
Chronic illness: help with daily living or care
Terminal illness: access much of the benefit early

See living benefits →

A couple enjoying the view from a yacht at golden hour

III

Part III

Cash Value

Builds wealth you can use

Growth linked to a market index, up to a cap
0% floor, so index credits never go negative
Tax-advantaged access through policy loans

See how it's credited →

Features, riders, and qualifying conditions vary by carrier, product, and state. Using living benefits or policy loans reduces the death benefit paid to beneficiaries. Cash value growth is subject to caps, participation rates, and policy charges.

See your IUL illustration →Explore IUL

Most people save in two buckets. The wealthy use three.

Your 401(k) and Roth IRA are great tools, but both have limits. Here's how an indexed universal life policy compares as a third, tax-advantaged bucket.

Feature	401(k) / IRATax later	Roth IRATax now	IULTax advantaged
Going in	Pre-tax dollars	After-tax dollars	After-tax premiums
While it grows	Tax-deferred	Tax-free	Tax-deferred
Coming out	Taxed as income	Tax-free if qualified	Policy loans, generally income-tax-free
Contribution limits	IRS annual limits	Low limits, plus income limits	No IRS cap; set by policy design
Access before 59½	Usually a 10% penalty	Earnings restricted	No age penalty
When the market drops	You can lose value	You can lose value	0% floor on index credits
Required withdrawals	Yes, RMDs	None for the owner	None
Death benefit for family	Account value only	Account value only	Yes, generally income-tax-free

Simplified for illustration and not tax advice. IUL cash value growth is subject to caps, participation rates, and policy charges. Loans accrue interest and reduce the death benefit, and policies must be funded properly to avoid lapse or MEC status. Talk with a tax professional about your situation.

See an IUL illustration →How IUL works

What you're really protecting

Some promises should outlast you.

Parents and kids playing by the pool at their South Florida home

The house

Mortgage paid.
Family stays home.

The keys, the pool, the street your kids grew up on. Mortgage protection keeps all of it in the family.

Father helping his daughter with homework at a kitchen island

The paycheck

Income keeps
arriving.

Private school, travel, the lifestyle you built. Coverage replaces your income for the years your family needs it.

A grandfather handing a gold watch to his grandson

The legacy

Wealth that
passes on.

Tax-advantaged cash value and a death benefit that is generally income-tax-free, handing the next generation a head start.

Coverage you can use while you're alive.

Many of the policies I write include living benefits. If a serious illness hits, you can draw on part of your death benefit early to pay bills, cover treatment, or keep the mortgage current. Tap a card to see how it works.

Living benefit riders, qualifying conditions, and payout amounts vary by carrier, product, and state. Accelerating a benefit reduces the death benefit paid to your beneficiaries.

Find your fit

Four taps to your coverage.

Answer four quick questions and I'll point you to the type of coverage that fits your life best. No name or email required.

From first call to covered.

No office visit and no pressure. Most families are covered in days, not weeks.

01A 15 minute call
We talk about what you're protecting and a few health questions.
02I shop the carriers
Multiple companies compared, tradeoffs explained in plain English.
03Apply by phone
E-signature, often no medical exam, sometimes approved same day.
04You're covered
And I stay your agent for reviews and questions for life.