858-703-6178
Turn Your Retirement Savings Into Tax-Free Income for Life
Discover how an Indexed Universal Life policy can grow your wealth, protect your family, and help you retire with confidence.
Peace of Mind May Cost a Lot Less Than You Think
Safeguard your family’s future with the right life insurance policy.
Don’t leave the your loved ones' future to chance. Having the right life insurance is pivotal in planning for the future of you and your loved ones. Life insurance can help you fulfill promises you’ve made to your family when you are gone.
Meet Your Founder and CEO
Hey, I’m Chris! Your tax-free retirement plan could be closer than you think. In this short video, I’ll reveal how to get your custom IUL Quote & Wealth Report. It might change the way you think about retirement forever.
Why Get Your IUL Quote Through Us?
We're IUL Clients Too
Chris bought an IUL 15 years ago for his own family. We believe in the strategy and design every policy the way we’d want it for ourselves, always keeping your goals in mind.
Fiduciary Commitment
Chris holds a Series 65 license and is a Fiduciary by law. Your best interests always come first. There is no sales pressure and no commissions driving recommendations.
Holistic Financial Planning
We’ll help you create a plan to reduce taxes, grow wealth, and provide future income. If an IUL fits your needs, we’ll show how it works in your bigger financial picture.
Personalized Income Estimate
Get a customized quote showing how much tax-free retirement income your IUL could generate. We base it on your age, health, and contribution level.
Safe, Growth-Focused Strategy
IULs offer market-tied growth with downside protection. It’s a smart way to grow safely in uncertain economic times.
15+ Years of Trusted Experience
With 15+ years of experience and access to over 80 life insurance companies, we shop the market to find the right policy for you.
Indexed Universal Life Insurance
Quote & Wealth Report
Life Changes & Your Policy Should Too!
The right life insurance policy is unique to you and dependent on your financial and personal needs. There are no one-size-fits-all policies. As your life evolves, your life insurance coverage may also need to change in order to reflect your life's current needs.
Not sure what life transformations may require a policy tune-up? Take a look below:
You recently got married or divorced
You became a parent or grandparent
You started or expanded a business
Your health or spouse’s health has deteriorated
You recently purchased a new home
A dependent requires assistance/long-term care
You recently purchased a new home
You're providing financial assistance to a parent
You are concerned about retirement income
You recently refinanced your home mortgage
You or your spouse recently received an inheritance
You have a sizable estate
If any of the above applies to you, or you are simply curious about more affordable policies in your area, request a FREE quote today!
I WILL HELP YOU FIND THE
PERFECT POLICY
Don't take my word for it.
Here’s what some of my clients have shared about their experience working with me.
STILL NOT SURE?
Frequently Asked Questions
Question 1: How is an IUL different from a 401(k) or IRA?
Unlike traditional retirement accounts, an IUL lets you access your cash value anytime without penalties or taxes. It also offers tax-free distributions through policy loans. There’s no age restriction like the 59½ rule.
Question 2: Will my IUL lose value if the stock market crashes?
No. Your IUL’s cash value is protected from market losses. You can still earn interest when the market goes up, but your principal is shielded when it goes down.
Question 3: How can I take money out of my IUL tax-free?
You can access your cash value through policy loans, which are not reported as income to the IRS. This allows you to supplement your retirement without triggering taxes.
Question 4: Do I have to wait until retirement to use my IUL money?
No. You can use your cash value at any time for any reason, including college funding, business opportunities, emergencies, or extra income. There are no penalties or taxes.
Question 5: Does an IUL include life insurance protection?
Yes. An IUL provides a death benefit to protect your loved ones, and most policies also include living benefits for chronic illness, critical illness, or long-term care needs.
Question 6: Who is an IUL right for?
An IUL is ideal for those seeking tax-free retirement income, market growth without downside risk, and flexibility to access money when needed. It also protects their family.
I WILL HELP YOU FIND THE
PERFECT POLICY
Don't take my word for it.
Here’s what some of my clients have shared about their experience working with me.
I recently purchased a life insurance policy from Abrams Insurance. Chris and his team are very patient - not like other insurance brokers trying to jam the process. The team took time to explain tons of questions explaining the policy term and it's meaning and how it affects the policy. The process and conversation was very transparent. Chris and his team are very professional.
Chris helped me obtain a life insurance policy that's appropriate for my situation when I was having difficulty finding one elsewhere. A few years later, it was time to update/modify it due to improved conditions, plus moving to another state, and Chris helped me get all of that done very easily as well. Thankful for his work!
Chris and his team assisted our family with obtaining the right insurance for our needs. I highly recommend him. He's prompt, kind and can be trusted with the private details that may have an impact your life insurance plan. I highly recommend him to anyone.
Chris and his team are great at what they do. They don’t lead you down any sort of path. They present all the options to you and let you make the best decision for yourself. I appreciate that more than anything.
Chris walked me through the process of getting a new and much more appropriate and now more affordable life insurance policy. He explained all my options and was very patient with my repetitive questions. As an independent agent I knew I was getting unbiased advice from him. I also got to know him and his wonderful family on a personal level. He is a stand up guy that gained my respect as I am sure he will gain yours. I highly recommend Chris Abrams.
Chris Abrams was wonderful to work with and went the extra mile to find me a policy that would work best for my needs (and at the best price)! Would highly recommend him especially if research is needed for particular situations. Thanks, Chris.
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858-703-6178