From term coverage to Indexed Universal Life and infinite banking strategies — we compare 40+ carriers to find your perfect policy.
If any of these sound familiar, you are not alone — and we can help.
Term, whole, universal, variable — the choices are overwhelming and every agent seems to recommend something different. You need an unbiased expert who shops across carriers, not someone selling their company's product.
Your current coverage may not be enough to replace your income, pay off the mortgage, and fund your children's education. Most families are significantly underinsured and don't realize it until it's too late.
Traditional insurance only pays at death. Modern strategies like IUL and infinite banking let your policy build tax-free cash value that you can access while you're alive — turning insurance into a wealth-building tool.
Most agents are captive — they only sell products from one company. That means you are comparing plans within one catalog, not across the entire market. You deserve someone who shops for you.
From your first call to your policy being issued — we guide you through every step.
We start by understanding your family's financial picture and goals. Income, debts, dependents, existing coverage, and long-term objectives — everything matters so we can recommend the right amount and type of coverage.
We shop 40+ A-rated insurance carriers to find the best fit and rate for your situation. Because we are independent, we are not locked into one company — we find the carrier that works best for you.
We walk through projected values, costs, and benefits together — line by line. For IUL and whole life, we show you cash value projections, death benefit options, and how your money grows over time.
We guide you through the application process start to finish. From paperwork to medical exams (if required) to underwriting follow-ups — we handle the heavy lifting so you don't have to.
Once approved, we review your policy together to make sure everything is exactly right. And we don't disappear — we schedule ongoing reviews and adjust your coverage as your life changes.
We are not just another insurance agent. Here is what sets us apart.
We are independent — not captive to one company. Through PHP Agency, we access 40+ A-rated carriers to shop the entire market and find your best rate and coverage.
We don't just sell term policies. We specialize in Indexed Universal Life and infinite banking strategies that build tax-free wealth while protecting your family.
Our partnership with NLG gives us access to advanced illustrations, competitive underwriting, and specialized products that most agents simply cannot offer their clients.
Term life insurance provides coverage for a set period (10, 20, or 30 years) — it is the most affordable option for pure death benefit protection. Whole life and IUL are permanent coverage that also builds cash value over time, giving you both protection and a wealth-building component.
IUL is a type of permanent life insurance where your cash value growth is tied to the performance of a market index (like the S&P 500), but with downside protection — your cash value never decreases due to market losses. It offers tax-free growth and flexible premiums.
Infinite banking is a strategy that uses a specially designed whole life or IUL policy as your own personal banking system. You fund the policy, build cash value, and then borrow against it to finance major purchases — cars, real estate, education — while your cash value continues to grow. You become your own bank.
A common guideline is 10 to 12 times your annual income, but the right amount depends on your debts, number of dependents, existing savings, and long-term goals. During our free needs analysis, we calculate a personalized recommendation based on your specific situation.
It depends on the carrier and coverage amount. Many carriers offer no-exam or simplified-issue options for smaller policies. For larger coverage amounts, a medical exam is typically required but it is quick and often done at your home or office at no cost to you.
Yes — layering policies is a common and smart strategy. For example, you might carry a large term policy for income replacement during your working years, plus a smaller IUL policy for long-term wealth building. We help you design the right combination.
Yes — we offer fixed index annuities, Roth IRA guidance, and retirement income strategies. Whether you are planning for retirement or already there, we can help you create a reliable income stream and protect your savings. Contact us for a personalized consultation.
"Bertram didn't just sell me a policy — he educated me. I finally understand how IUL works and why it makes sense for my family's future. He compared multiple carriers and found coverage that fit our budget perfectly."
Book a free consultation with Bertram. We will analyze your needs, compare carriers, and find the right policy — no pressure, no obligation.
Life insurance illustrations are projections based on current assumptions and are not guarantees of future performance. Actual policy values may be higher or lower than illustrated. Indexed Universal Life (IUL) policies are insurance products, not securities or investment products. Bertram Simmons is a licensed insurance agent. Consult your financial advisor for investment advice.