Question 1

Do I need to be a U.S. citizen to qualify for life insurance?

Accepted Answer

No. Many carriers offer coverage to permanent residents, visa holders, and individuals adjusting their immigration status. We help you find carriers that match your situation.

Question 2

How does an Indexed Universal Life (IUL) policy grow tax-free?

Accepted Answer

An IUL accumulates cash value tied to a market index. Gains grow tax-deferred, and properly structured loans against the cash value are not taxed as income — providing tax-free retirement income when used correctly.

Question 3

What is a Fixed Index Annuity and how does it protect my retirement?

Accepted Answer

A Fixed Index Annuity locks in your principal — meaning you cannot lose money to market downturns — while still allowing growth tied to the performance of an index. Ideal for pre-retirees.

Question 4

Is your service really bilingual, end-to-end?

Accepted Answer

Yes. Every consultation, document explanation, illustration review, and annual follow-up can be conducted entirely in Spanish or English — your choice.

Question 5

Are you a captive agent for one company?

Accepted Answer

No. We are an independent brokerage. We shop 30+ top-rated carriers to find the right fit — your interest is our only loyalty.

Question 6

How do you get paid?

Accepted Answer

Carriers pay us directly when you choose a policy. There is no out-of-pocket consulting fee for you.

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Questions, answered

Questions, answered

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