On the road. On the job.
Always protecting your family.

No. An IUL is life insurance. Your cash value is credited interest based on an index's performance, subject to caps and participation rates, but your money isn't placed in the market.

In a year the index goes down, your index credit is 0% instead of negative. Policy costs like cost of insurance still come out, so cash value can dip. Growth beyond the floor isn't guaranteed.

The death benefit is generally tax-free under current tax law for your beneficiaries. Cash value grows tax-deferred, and policy loans are generally tax-free under current tax law if the policy is not a modified endowment contract (MEC) and stays in force. Withdrawals above what you've paid in, or a lapse with a loan outstanding, can be taxable. Check with your tax professional.

Usually through policy loans or withdrawals, which can be generally tax-free under current tax law if the policy is structured properly and stays in force. Loans accrue interest, and loans and withdrawals reduce the cash value and death benefit, can cause the policy to lapse, and may have tax consequences.

Many IUL policies offer optional living benefits riders that can let you access part of your death benefit early for a qualifying chronic, critical, or terminal illness. Using them reduces the death benefit. What's available depends on the policy, your health and your state.

Yes, you can apply in any of those. Coverage is personal, so it stays with you if you switch carriers or employers, go independent, or come off the road or the job site. Approval and pricing depend on underwriting, which looks at things like health, and for some people driving history or occupation.

It can be. IUL is permanent life insurance for anyone who wants a death benefit for their family and cash value they may be able to use later. Simeon works with families in every line of work.

Some jobs do. Group life through work is often a limited amount and usually ends when you leave that job. An individual policy is yours and stays in force as long as premiums are paid. Many people keep both.

Not always. Some options can be approved with health questions only; others need an exam. Simeon will tell you which apply to you before you apply.

Often, yes. Many smaller whole life and final expense plans ask simplified health questions with no medical exam. Larger amounts may need an exam. Eligibility varies by insurance company and state and is subject to underwriting.

It depends on your age, health, the coverage amount and how much you want to put toward cash value. Simeon will show you real numbers for your situation; there's no cost to get a quote.

Simeon is contracted with several insurance companies, including Americo, Transamerica, Mutual of Omaha, National Life Group, Corebridge Financial, American Amicable, Aetna (CVS Health), Foresters Financial and Ethos. See the full list. Products and availability vary by company and state.

Only Simeon Harris, licensed agent with Family First Life – Vasto Life Group. Your information is not sold.

Simeon is licensed in AL, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI. He is not licensed in Alaska, Montana, New York, South Dakota, Vermont, West Virginia or Wyoming.