I
Part IDeath 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
Life insurance for Fort Lauderdale families.
Indexed universal life, mortgage protection, term life, and annuities for Fort Lauderdale and Broward County, from Las Olas to Weston. Multiple carriers, one trusted agent.
$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 ↗
Fort Lauderdale, Florida
Built for the Broward lifestyle.
Fort Lauderdale families and business owners are building something, whether that's a waterfront home, a growing company, or a portfolio of investment properties. Your coverage should protect all of it.
I help Broward clients with indexed universal life (IUL) to build tax-advantaged wealth, mortgage protection to keep the home in the family, and key person and buy-sell coverage for business partners. I meet in person across Broward County or by phone and video.
Areas I serve near Fort LauderdaleFort LauderdalePompano BeachLighthouse PointCoral SpringsWestonPlantation
Coverage for Fort Lauderdale families.
I compare multiple carriers for every policy, so you get the right fit at the right price.
My specialtyFort Lauderdale
Indexed Universal Life (IUL)
Death benefit, living benefits, and cash value in one policy, with a 0% floor on index credits.
Fort LauderdaleMortgage Protection
Keep the home in the family, often with living benefits and no medical exam.
Fort LauderdaleAnnuities
Protect savings from market drops and create income you can't outlive.
Fort LauderdaleTerm Life
The most coverage for the lowest cost during your family's key years.
Fort LauderdaleFinal Expense
Lifetime whole life coverage for funeral costs and final bills.
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
II
Part IILiving 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
III
Part IIICash 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
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.
Carriers I work with include
Trusted names. One agent comparing them for you.
- TransamericaAppointed carrier
- Mutual of OmahaAppointed carrier
- AmericoAppointed carrier
- And moreCompared on every quote
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.
Questions
Fort Lauderdale questions.
Do you work with business owners in Fort Lauderdale?
Yes. Business owners often use IUL for tax-advantaged savings and life insurance for key person or buy-sell agreements with their partners.
Can I get mortgage protection on a waterfront or investment property?
Usually, yes. Coverage is based on you, not the property, so it can be sized to any mortgage you want protected.
Do I need to come to an office?
No. Most clients never need an office visit. We can meet in person in Broward County or do everything by phone or video with e-signatures.
