Frequently Asked Questions

WHAT IS AN IUL/VUL?

An IUL (Indexed Universal Life) and VUL (Variable Universal Life) are life insurance policies that also help you grow money over time. Both offer lifelong coverage and a cash value you can use while you're alive. With an IUL, your money grows based on the stock market index (like the S&P 500) but is protected from losses—safer but with capped growth. A VUL invests directly in the market, which means higher potential returns but also higher risk. Both grow tax-deferred, can provide tax-free retirement income, and are great for long-term financial planning if funded properly.

HOW MUCH DO WE COST?

We don’t charge you anything directly for our services. Instead, We paid by the financial companies when you open a policy or account . That means you get help with planning, education, and setting up your coverage—all at no cost to you. My compensation comes as a commission from the financial provider, based on the policy or account that you choose, similar to how a real estate agent is paid by the seller, not the buyer. This way, you get expert guidance without paying out of pocket.

CAN I TRUST YOU TO GIVE ME CORRECT INFORMATION?

Our job is to educate, not pressure. We work with well-known, reputable Financial companies, and everything I share with you is based on real product details, state regulations, and what’s truly in your best interest. You're always encouraged to take your time, ask questions, and even double-check anything we say. At the end of the day, Our success depends on doing right by people and building trust—because this business is all about long-term relationships, not quick sales.

WHAT ARE SOME OF THE REPUTABLE FINANCIAL COMPANIES YOU WORK WITH?

We have access to a wide network of trusted partner companies across both the insurance and financial services industries. WFG works with many of the top-rated life insurance providers, including Transamerica, Prudential, Pacific Life, Nationwide, AIG, John Hancock, and Protective, among others. On the financial services side, we’re partnered with companies like Fidelity, Franklin Templeton, Charles Schwab, Invesco, and AssetMark, giving clients access to investment, retirement, and wealth-building solutions