Pays your family a lump sum if you die
A $1,000,000 policy pays your family $1,000,000, generally income-tax-free. That can pay off the house, cover business debt and replace your income.
Free IUL review & illustration for business owners & self-employed earners
Protect your family. Grow tax-advantaged savings. Create Your Own Future Bank, Ask How?
Get a free IUL review and illustration from licensed agent Keith Gilbert. In 2 business days you will know exactly how much coverage you need, what it costs each month, and how your cash value could grow and be used over time, with every detail broken down in simple terms.
- Your coverage amount and your monthly cost
- A personalized IUL illustration, explained in plain English
- How your cash value could grow, and how you can use it
- A straight answer: yes, adjust the plan, or no
Free. No obligation. No application on the call. One follow-up, then the decision is yours.
Keith Gilbert, licensed life insurance agent
18+ years · Licensed in AZ, FL, MI, NC & NV · NPN 16050997
18+ years · Licensed in AZ, FL, MI, NC & NV · NPN 16050997
Keith is appointed with insurance companies including Transamerica, Securian (Minnesota Life), Mutual of Omaha, F&G, Ameritas and American Amicable.
The problem
If you own a business, nobody is building your safety net but you.
You have no pension and no company 401(k) match. Your income goes up and down. If something happened to you tomorrow, your family would lose your income and could be left with the business debt. Most business owners we talk to say one of these:
"If something happens to me, my family is stuck with the business debt."
"I write a huge check to the IRS every April and have nothing to show for it."
"I lost years of savings in a market crash. I can't afford that again."
"Every agent I meet is selling something. I don't know who to trust."
An IUL (Indexed Universal Life insurance) can solve the first three. Our review and illustration solve the fourth: you see the real numbers, in writing and in plain English, before you decide anything.
What an IUL does for you
Five things an IUL can do for you and your family.
Builds cash value that grows tax-deferred
Part of what you pay goes into a cash value account. It grows without yearly taxes on the gains, which lets more of your money keep working.
A market crash can't cause a negative credit
Your growth is linked to an index like the S&P 500. In a down year, the interest credited is 0%, never negative. In strong years, gains are capped. Policy charges still come out every month.
Your Future Bank: borrow from your cash value
Use policy loans for business needs, emergencies or retirement income. No age 59½ rule and, from a properly structured policy, generally no income tax. It is life insurance, not a bank account: loans charge interest and reduce the cash value and death benefit.
Can pay you early if you get seriously ill
With a living benefits rider, you may be able to use part of your death benefit if you are diagnosed with a qualifying chronic, critical or terminal illness. Availability varies by company and state.
See your own numbers
Your review and illustration show these benefits in dollars, for your age, your health and your budget.
Get My Free IUL Review & IllustrationWhat you get, free
Your free IUL review & illustration includes 8 things.
One 30-minute call by phone or Zoom. Your written review and illustration arrive within 2 business days. It costs you nothing.
Your exact coverage amount
How much life insurance your family and business need, based on your income, debts and business obligations.
Why it matters: you don't overpay, and you don't leave your family short.
Your monthly cost, built around your budget
The strongest policy design Keith finds for your age, health and goals.
Why it matters: you get the option that fits you, not one company's sales pitch.
Your personalized IUL illustration
A year-by-year illustration of your cash value and death benefit, with guaranteed and projected values, explained line by line in simple terms.
Why it matters: you know exactly what you are getting before you commit.
Every fee on one page
Every charge in the contract and when it comes out, in plain English.
Why it matters: no surprise costs later.
A payment plan for uneven income
How to pay more in strong months and less in slow months without putting the policy at risk.
Why it matters: your plan fits how a business actually earns.
A health check before you apply
Keith checks your likely health rating before any application goes in.
Why it matters: no surprise decline on your record.
22 key questions, answered in writing
Caps, loans, fees, lapse risk, what happens if you stop paying. All answered for your design.
Why it matters: you understand exactly what you are buying.
A yearly policy review
If you become a client, Keith reviews your policy with you every year and adjusts it.
Why it matters: your policy stays on track for decades.
Get My Free IUL Review & Illustration
Free. No obligation. No application on the call.
What it could mean in dollars
Your review & illustration show 4 numbers in dollars.
What your family receives
The death benefit, generally income-tax-free. Example: a $1,000,000 policy pays $1,000,000.
What you pay each month
Your exact premium, based on your age, health and goals.
Your cash value at 65
Shown year by year in your illustration, with guaranteed and projected values.
Income you could borrow later
How much you could take out each year in retirement through policy loans: your Future Bank at work.
Hypothetical example: [age]-year-old, [health class], paying $[___] per month for [__] years
| At age 65 | Guaranteed | All 0% years | Illustrated at [__]% |
|---|---|---|---|
| Cash value | $[___] | $[___] | $[___] |
| Yearly policy loan income, ages 66 to 85 | $[___] | $[___] | $[___] |
| Death benefit | $[___] | $[___] | $[___] |
Hypothetical and for illustration only, from [carrier] [product] illustration dated [date]. Not a guarantee of future values. Non-guaranteed values are based on current charges and an assumed crediting rate; actual results will vary.
Your numbers depend on your age, health, budget and the policy design. Non-guaranteed values can change. That is why your illustration shows guaranteed and projected values side by side.
Why act now
4 reasons waiting costs you money.
1
Your price goes up every birthday
Life insurance is priced on your age. The same policy costs more next year than it does today.
2
Your health rating is set when you apply
If your health changes later, it generally does not change the rating you already have. If it changes before you apply, you may pay more or not qualify.
3
Every year you wait is a year of lost growth
Cash value grows over time. Starting 5 years later means 5 fewer years of tax-deferred growth.
4
Your family is unprotected until it's in force
Until a policy is approved and active, your family has no death benefit if something happens to you.
Your life, two ways
What happens if you wait, and what happens if you act.
If you waitIf you act now
If you died next yearYour family loses your income and may be left with the business debt.Your family receives the full death benefit, generally income-tax-free.
When the market crashesYour savings can drop with it, and you wait years to recover.Your IUL cash value is credited 0% that year, never a negative credit.
Your priceGoes up with every birthday, and more if your health changes.Based on today's age and today's health rating.
Cash when the business needs itBank loans, credit cards, or penalties on retirement accounts.Borrow from your own cash value, on your terms.
Taxes in retirementWithdrawals from a traditional 401(k) or IRA are taxed as income.A separate bucket you can borrow from, generally income-tax-free.
Peace of mindThe same worry every April and every bad market week.A written plan, reviewed with you every year.
Get My Free IUL Review & Illustration
Seeing your numbers is free. Waiting is not.
Our promises to you
4 promises so you can say yes without risk.
We tell you if IUL is wrong for you
If an IUL doesn't fit, Keith says so in writing and shows you what fits better, even if that is term insurance or your 401(k).
Every number explained in plain English
Keith walks you through your illustration line by line, in simple terms. No fine print, no guessing, no pressure.
One follow-up, then we stop
After your review, Keith follows up once. No chasing, no pressure, no endless texts.
You can cancel for a refund
If you buy, your policy includes a state-required free-look period to review it and cancel for a refund of premium.
How to get your review
3 steps. About 30 minutes of your time.
-
1
Answer 6 questions (2 minutes)
Your age, your work, and what you want your money to do. Then pick a time for your call.
-
2
30-minute call with Keith
By phone or Zoom. You talk about your family, your business, your health and your budget. No application.
-
3
Your review & illustration in 2 business days
All 8 parts, in writing and explained in simple terms. Then you decide: yes, adjust the plan, or no.
How an IUL works
An IUL in 4 steps, in plain English.
- You pay a premium. You have some flexibility on the amount and timing.
- Policy charges come out. Cost of insurance and fees are deducted monthly.
- Interest is credited to what is left. It is linked to an index like the S&P 500.
- Gains are capped, losses are floored at 0%. A down year credits 0%, not a negative number.
Is it right for you?
Who an IUL is for, and who it is not for.
An IUL is usually a good fit if you...
- Own a business or earn 1099 income
- Want coverage that lasts your whole life, not just until the kids move out
- Want another tax-advantaged savings bucket besides a 401(k) or IRA
- Can pay premiums consistently for 10 years or more
- Were shown an IUL by another agent and want a second opinion
An IUL is probably NOT for you if you...
- Only need coverage for a set number of years (term is usually cheaper)
- Don't have an emergency fund yet
- Might need this money back in the next few years
- Want full stock market returns with no cap
- Want a guaranteed investment return (an IUL is life insurance, not an investment)
6-question quiz
Is an IUL right for you? Find out in 60 seconds.
Answer 6 questions. You get one of 3 answers: worth a review, maybe, or probably not.
Question 1 of 6
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Educational only. Not an eligibility check, underwriting decision, suitability determination, or financial advice.
Keith Gilbert
About Keith
Here Today, Tomorrow, and for LIFE!
I have 18+ years of experience in this industry, with 5 state licenses (Arizona, Florida, Michigan, North Carolina and Nevada) and certifications with top local and national companies. I've dedicated my career to helping families, individuals, veterans and small business groups find premium, budget-friendly insurance solutions.
Beyond my insurance practice, I am an active church volunteer, football coach, and supporter of local food banks and blood donation centers. I am a faithful advocate for the homeless, veterans, and the needy.
As an independent agent, I'm not tied to one insurance company. I find the option that fits you best and explain it in plain English.
- Experience: 18+ years in the insurance industry
- Licensed in: Arizona, Florida, Michigan, North Carolina and Nevada (verify by NPN at NIPR)
- NPN: 16050997
- Home office: Fountain Hills, AZ
- Phone: 480-269-2577 · 602-834-4024
What clients say
What working with Keith is like.
EDIT: real client review
EDIT: real client review
EDIT: real client review
Protect yourself
6 questions to ask any IUL agent, including Keith.
If an agent can't answer these clearly, don't buy. Your free review and illustration answer all 6 in writing.
Get My Free IUL Review & Illustration- What are the guaranteed values in this illustration?
- What happens if the index credits 0% for several years in a row?
- What is the guaranteed minimum cap in the contract?
- What are all of the policy charges, in detail?
- What happens if I reduce or stop my premiums?
- What happens if the policy lapses with a loan outstanding?
Get your free IUL review & illustration
Answer 6 quick questions. Then pick your call time.
Here is what you'll have in 2 business days:
- Your coverage amount and monthly cost
- Your personalized IUL illustration
- Your cash value growth, explained in plain English
- Every fee on one page
- A straight answer: yes, adjust, or no
Rather talk now? Call 480-269-2577.
Ready for your free IUL review & illustration?
The request form takes about 60 seconds. It's free, and there's no obligation.
Start My Free IUL Review & IllustrationStraight answers
Frequently asked questions
What does the review cost?
Nothing. The call, the written review, your illustration and the follow-up are free. Keith is paid by the insurance company only if you choose to buy a policy.
What is an IUL, in one paragraph?
Indexed Universal Life is permanent life insurance with a cash value account. Part of each premium pays for the insurance and policy charges. The rest builds cash value that earns interest based on a market index such as the S&P 500, up to a cap, with a 0% floor on the interest credited. It is life insurance first, not an investment account.
Can I lose money in an IUL?
A down market year will not produce a negative index credit. But policy charges come out every month, so in years with 0% credits your cash value can go down. Underfunded policies, large loans or stopped premiums can cause a policy to lapse. Your illustration shows how your policy is built to stay on track, and Keith explains every part of it.
What does "Create Your Own Future Bank" mean?
It means building cash value inside a permanent life insurance policy that you can borrow against later, on your terms, for business needs, emergencies, a big purchase or retirement income. It is life insurance, not a bank account or a deposit. Policy loans charge interest, reduce the cash value and death benefit, and need to be managed so the policy stays in force. Your review and illustration show exactly how it would work for you.
Is the money really tax-free?
Cash value grows tax-deferred. Money taken through properly structured policy loans can be income-tax-free while the policy stays in force and is not a Modified Endowment Contract. If the policy lapses with a loan outstanding, taxes can be due. The death benefit is generally income-tax-free to your beneficiaries. Talk with your tax professional about your situation.
What if IUL isn't right for me?
Keith will tell you in writing and show you what fits better. For many people that is term life insurance with an option to convert later, and he can help with that too.
Will I qualify medically?
It depends on your age, health and coverage amount. Keith checks your likely health rating before any application. If full underwriting isn't a fit, other coverage options may still be available.
How long does an application take?
Many companies offer express applications that take a few minutes by phone. Some require a medical exam or records. Keith tells you which to expect before you apply.
Which insurance companies do you work with?
Keith is appointed with companies including Transamerica, Securian (Minnesota Life), Mutual of Omaha, F&G, Ameritas and American Amicable. The right one depends on your age, health and goals.
Get your free IUL review & illustration before your next birthday raises your price.
In 2 business days you'll know your coverage amount, your monthly cost, and how your cash value could grow, in a personalized illustration explained in simple terms. It's free. The only cost is waiting: a higher price, and a family without protection in the meantime.
Get My Free IUL Review & IllustrationAlready have an IUL, or an illustration from another agent? Bring it. Keith will review that one too, free.