Most agents who pitch IUL only sell IUL — they’re captive to one carrier or one product family, so every conversation ends in the same illustration. I’m an independent Florida agent based in Naples, appointed with 10+ A-rated carriers, so I can compare IUL designs across multiple companies and tell you when IUL isn’t the right answer. If you’d be better served by maxing a Roth IRA first, by a permanent whole-life base with a small UL rider, or by sticking with term — I’ll say so.

Florida high earners and self-employed professionals get a different IUL conversation than buyers in income-tax states. With no Florida individual income tax, the entire IRC §7702 tax-deferred growth and tax-free-policy-loan structure lands without a state-level offset. I run the funding plan against IRC §7702 corridor tests and non-MEC limits so the policy actually performs as illustrated — an over-funded MEC is a real and avoidable mistake I see on policies clients bring me from other agents.

And I do illustrations the boring way: I show you the contractually guaranteed column, the carrier’s assumed-rate column, and a reduced-rate stress column side by side. You should see the same product perform under three different market regimes before you decide. You can call (239) 800-8508 or use the consultation form above — no-pressure, no-obligation, and I personally review every request.