Wealth that protects your family today and keeps growing for the next generation. Here are the ways I can help, each explained in plain English, with the costs and trade-offs in plain view. Pick the one that sounds like you.
Education only. Not tax or legal advice.
Every option below has its own page with how it works, what it costs, who it fits, and who it does not.
How Indexed Universal Life builds cash value with a floor and a cap, and how policy loans, generally not taxed as income under current tax law, may be used for retirement income. The real cautions are on the page.
Read about IUL: IUL & tax-advantaged retirement incomeFor business owners and investors: build cash value in a high cash value whole life policy, borrow against it with policy loans to finance purchases, and repay the policy.
See Be Your Own Bank: Become your own bankHow cash value built in a life insurance policy may help pay for college, and how it compares in plain terms with college savings plans.
See College Funding: College planningAlready built a 401(k) or IRA? See how a fixed indexed annuity can protect your principal from market loss, subject to the contract terms and the insurer’s claims-paying ability. Offered through The Dafoe Agency.
See Retirement Protection: Retirement protection (fixed indexed annuities)The big picture: how high cash value life insurance, whole life and IUL, can protect your family and give you a place to grow, borrow against, and use your money.
See Cash Value & Legacy: Cash value & legacyFor everyday families: use a high cash value whole life policy to pay off high-interest debt, then pay yourself back instead of a lender.
See Debt Free Life: Debt-free lifeA real legacy plan takes a team. Your estate planning attorney, your CPA, and your life insurance agent should work from the same plan. See who does what, and when you need them.
See Build It Right: Legacy planningThis page is for education only. It is not tax, legal, or investment advice. Life insurance is long-term: building cash value usually takes years, and policies have costs and fees. Life insurance coverage is subject to underwriting and approval. Only the guarantees written in a contract are guaranteed, and they depend on the issuing insurance company’s claims-paying ability. Dividends, credited interest, and illustrated values are not guaranteed, and nothing here is a promise of income or returns. Policy loans accrue interest, and loans and withdrawals reduce the cash value and the death benefit. Annuity guarantees are based on the claims-paying ability of the issuing insurance company; annuities are not FDIC insured, and surrender charges and withdrawal limits may apply. Retirement protection (annuity) options are provided through The Dafoe Agency. Tax treatment depends on current law and your situation, so please speak with a CPA or tax professional.
Let’s talk it through. Free, about 30 minutes, by phone or video. No pressure, no obligation. I will tell you honestly if something is not a fit.
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I’m Barbara Sarti, Florida licensed agent, License W788222. Education only. Not tax or legal advice. Coverage is subject to underwriting and approval. Disclaimer