Independent life insurance agent · South Florida

Protect the life you've built.

Indexed universal life (IUL): a death benefit for your family, living benefits for you, and cash value that builds tax-advantaged wealth, all in one policy. Plus mortgage protection, final expense, term life, and annuities, shopped across multiple carriers. Based in South Florida, serving clients in six states by phone and video.

Eric Pineda
Indexed Universal LifeIUL Specialist
Yes, that's really meThe agent you'll talk to
6States licensedNPN 22238781
Licensed in 6 states
FLTXOHVANCMI
Call or text anytime(954) 260-5011
Home baseSouth Florida · Palm Beach to Miami Beach
Virtual appointmentsAnywhere in FL, TX, OH, VA, NC & MI
$0 for my helpCarriers pay me. Your premium is the same as buying direct.
A real person, not a botI'm busy serving clients, so there's no instant auto-reply. Every call and text gets a personal answer from me, in a timely manner.
No-exam optionsMany plans approve with a phone interview and a few health questions.
Licensed & verifiableNPN 22238781 · Verify with Florida DFS ↗

One policy. Three ways it works for you.

Top IUL producers explain it in three parts, and so do I. Every indexed universal life policy protects your family, protects you, and builds wealth at the same time.

Death Benefit+Living Benefits+Cash Value=One IUL policy
A mother hugging her children on the steps of their home
I
Part I

Death Benefit

Protects your family

  • Lifetime coverage when the policy is funded properly
  • Paid to your beneficiaries, generally income-tax-free
  • Replaces income, pays off the home, funds a legacy
How the death benefit works →
A man relaxing at home with his wife bringing him coffee
II
Part II

Living Benefits

Protects you while you're alive

  • Critical illness: heart attack, stroke, cancer
  • Chronic illness: help with daily living or care
  • Terminal illness: access much of the benefit early
See living benefits →
A couple enjoying the view from a yacht at golden hour
III
Part III

Cash Value

Builds wealth you can use

  • Growth linked to a market index, up to a cap
  • 0% floor, so index credits never go negative
  • Tax-advantaged access through policy loans
See how it's credited →

Features, riders, and qualifying conditions vary by carrier, product, and state. Using living benefits or policy loans reduces the death benefit paid to beneficiaries. Cash value growth is subject to caps, participation rates, and policy charges.

Most people save in two buckets. The wealthy use three.

Your 401(k) and Roth IRA are great tools, but both have limits. Here's how an indexed universal life policy compares as a third, tax-advantaged bucket.

Feature401(k) / IRATax laterRoth IRATax nowIULTax advantaged
Going inPre-tax dollarsAfter-tax dollarsAfter-tax premiums
While it growsTax-deferredTax-freeTax-deferred
Coming outTaxed as incomeTax-free if qualifiedPolicy loans, generally income-tax-free
Contribution limitsIRS annual limitsLow limits, plus income limitsNo IRS cap; set by policy design
Access before 59½Usually a 10% penaltyEarnings restrictedNo age penalty
When the market dropsYou can lose valueYou can lose value0% floor on index credits
Required withdrawalsYes, RMDsNone for the ownerNone
Death benefit for familyAccount value onlyAccount value onlyYes, generally income-tax-free

Simplified for illustration and not tax advice. IUL cash value growth is subject to caps, participation rates, and policy charges. Loans accrue interest and reduce the death benefit, and policies must be funded properly to avoid lapse or MEC status. Talk with a tax professional about your situation.

See an IUL illustration →How IUL works
What you're really protecting

Some promises should outlast you.

Parents and kids playing by the pool at their South Florida home The house

Mortgage paid.
Family stays home.

The keys, the pool, the street your kids grew up on. Mortgage protection keeps all of it in the family.

Father helping his daughter with homework at a kitchen island The paycheck

Income keeps
arriving.

Private school, travel, the lifestyle you built. Coverage replaces your income for the years your family needs it.

A grandfather handing a gold watch to his grandson The legacy

Wealth that
passes on.

Tax-advantaged cash value and a death benefit that is generally income-tax-free, handing the next generation a head start.

Coverage you can use while you're alive.

Many of the policies I write include living benefits. If a serious illness hits, you can draw on part of your death benefit early to pay bills, cover treatment, or keep the mortgage current. Tap a card to see how it works.

Living benefit riders, qualifying conditions, and payout amounts vary by carrier, product, and state. Accelerating a benefit reduces the death benefit paid to your beneficiaries.

Find your fit

Four taps to your coverage.

Answer four quick questions and I'll point you to the type of coverage that fits your life best. No name or email required.

From first call to covered.

No office visit and no pressure. Most families are covered in days, not weeks.

  1. 01A 15 minute call

    We talk about what you're protecting and a few health questions.

  2. 02I shop the carriers

    Multiple companies compared, tradeoffs explained in plain English.

  3. 03Apply by phone

    E-signature, often no medical exam, sometimes approved same day.

  4. 04You're covered

    And I stay your agent for reviews and questions for life.

20

Years in consultative sales guiding South Florida families through the decisions that matter most

6

States licensed: FL, TX, OH, VA, NC & MI

$0

Cost for my help. Carriers pay me, and your premium is the same.

1:1

One agent from first call to claim. No call centers, ever.

Based in South Florida. Licensed in six states.

Most of my clients never meet me in person. We do everything by phone or video with e-signatures, so where you live in these states doesn't matter.

In South Florida? Meet in person: Palm Beach · Boca Raton · Fort Lauderdale · Miami Beach

Live in another state? Text me at (954) 260-5011. I'm adding licenses and can point you in the right direction. NPN 22238781

Carriers I work with include

Trusted names. One agent comparing them for you.

  • TransamericaAppointed carrier
  • Mutual of OmahaAppointed carrier
  • AmericoAppointed carrier
  • And moreCompared on every quote
South Florida · Six states

Every home holds a promise.

The house

The one you worked for.

The people

The ones who live inside it.

Your plan

Their future, secured.

One conversation can decide whether your family keeps the home, the lifestyle, and the plans you made together.

Get my free quote →
Free quoteEric Pineda · Licensed agent · That's really me

Let's protect what matters.

Life insurance is priced on your age and health today, and rates go up with every birthday. The best time to lock in a price is usually now.

  • Takes 30 seconds. No email or SSN needed.
  • I compare multiple carriers and send you real options.
  • No pressure and no obligation, ever.
Request my free quote
Call or text anytime (954) 260-5011
Call
Email eric.pineda.insurance@gmail.com
Licensed in FL · TX · OH · VA · NC · MI
NPN 22238781 · Phone or video, from anywhere
Text Eric