TAX-FREE RETIREMENT · IUL
Build money you do not have to split with the IRS later.
An indexed universal life policy grows cash value you can access tax-free in retirement, with a death benefit for your family along the way. Blake Daniels at 1Coast compares designs from many of the country's top carriers and shows you the real numbers, not a sales pitch.
- Cash value grows tax-deferred and can be accessed tax-free
- Your account has a floor, so a down market does not erase it
- Blake is a licensed broker. He works for you, not the insurance company
- Illustrations are free, with no pressure and no obligation
STEP 1 OF 4
2-minute formHow it works
Answer a few questions
Two minutes on your timeline and your health. No exam and no paperwork to start.
Blake runs the numbers
As a licensed independent broker, Blake compares designs from many of the top carriers and shows you what each one actually projects.
You choose at your pace
Review your options on a quick call. No pressure, no obligation. The quotes are free either way.
Broker.
Not a captive
agent.
WHY AN INDEPENDENT BROKER
A licensed broker on your side of the table.
Blake Daniels is a licensed insurance broker and the founder of 1Coast. Being a broker means he works for the client, not the insurance company. He works with many of the top insurance companies all over the country, so instead of one company's sales pitch you get the whole market compared for you.
- Works for you, not the carrier
- Compares many top companies nationwide
- One person start to finish, no call centers
BEFORE YOU FILL IT OUT
The questions people ask first.
Should I do this instead of my 401(k)?
Usually not instead of. If your employer matches, that match is hard to beat and Blake will tell you to take it first. This is generally a strategy for money beyond the match, or for people who are already capped out. Anyone who tells you to drop a match for a policy is selling, not advising.
What is the catch?
Two honest ones. The costs come out early, so the first several years are the weakest, and this only works if you fund it consistently for a long time. It is a poor fit for money you might need back soon. Blake will show you the low-rate column of the illustration, not just the flattering one.
How is the money tax-free?
Cash value grows tax-deferred, and it is typically accessed through policy loans and withdrawals rather than a taxable distribution, which is why it is described as tax-free access. It has to be structured and funded correctly to stay that way. Blake is not a tax adviser, so anything material should be run past yours.
What does the floor actually protect?
Indexed policies credit interest tied to an index with a floor, commonly zero, so a down year does not subtract market losses from your account value. Policy charges still come out in those years. Caps, floors, and participation rates differ by carrier, and those details are the whole game.
Is the quote really free?
Yes. There is no fee for the quote or for Blake's help. Independent brokers are paid by the insurance company only if you decide to take a policy, so comparing your options costs you nothing either way.
What actually happens after I hit submit?
Blake looks over your answers, pulls quotes that fit them, and calls you from (228) 357-8505 within one business day. That is it. No drip of calls from strangers, and nothing is bought or signed on that call.
Am I committing to anything by filling this out?
No. The form starts a conversation and nothing more. You are not applying, not signing, and not obligated to buy. Plenty of people go through it, see the numbers, and decide the timing is not right.
What if my health is not perfect?
That is exactly why it is worth talking to a broker. Carriers judge the same condition very differently, and Blake works with many of them, so the job is finding the ones that treat your history kindly rather than taking the first answer.
Still wondering something? Call Blake at (228) 357-8505. He would rather answer it now than have you guess.
Ready to see your numbers?
It is four short screens and about two minutes. You will know what this actually costs for someone your age, in your state, with your health, instead of guessing at it.
- Cash value grows tax-deferred and can be accessed tax-free
- Your account has a floor, so a down market does not erase it
- Blake is a licensed broker. He works for you, not the insurance company
Rather talk to a person first?
Call or email Blake directly. A real person, no phone tree, no obligation.
(228) 357-8505