I
Part IDeath 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
Life insurance for Miami Beach families.
Indexed universal life, legacy planning, annuities, and mortgage protection for Miami Beach, Brickell, Coral Gables, and greater Miami-Dade. Independent advice from an agent who answers his own phone.
$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 ↗
Miami Beach, Florida
Protect the life you've built here.
Miami Beach and Miami-Dade clients often have complex financial lives: business income, real estate, investments, and family across more than one country or state. Good coverage keeps all of it working for the people you love.
I specialize in indexed universal life (IUL) for clients who want lifetime protection plus a tax-advantaged way to build and access wealth, and I also write annuities, term life, and mortgage protection. We can meet in person in South Florida or by phone and video.
Areas I serve near Miami BeachMiami BeachBrickellCoral GablesAventuraKey BiscayneBal Harbour
Coverage for Miami Beach families.
I compare multiple carriers for every policy, so you get the right fit at the right price.
My specialtyMiami Beach
Indexed Universal Life (IUL)
Death benefit, living benefits, and cash value in one policy, with a 0% floor on index credits.
Miami BeachMortgage Protection
Keep the home in the family, often with living benefits and no medical exam.
Miami BeachAnnuities
Protect savings from market drops and create income you can't outlive.
Miami BeachTerm Life
The most coverage for the lowest cost during your family's key years.
Miami BeachFinal Expense
Lifetime whole life coverage for funeral costs and final bills.
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
II
Part IILiving 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
III
Part IIICash 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
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.
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
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.
| Feature | 401(k) / IRATax later | Roth IRATax now | IULTax advantaged |
|---|---|---|---|
| Going in | Pre-tax dollars | After-tax dollars | After-tax premiums |
| While it grows | Tax-deferred | Tax-free | Tax-deferred |
| Coming out | Taxed as income | Tax-free if qualified | Policy loans, generally income-tax-free |
| Contribution limits | IRS annual limits | Low limits, plus income limits | No IRS cap; set by policy design |
| Access before 59½ | Usually a 10% penalty | Earnings restricted | No age penalty |
| When the market drops | You can lose value | You can lose value | 0% floor on index credits |
| Required withdrawals | Yes, RMDs | None for the owner | None |
| Death benefit for family | Account value only | Account value only | Yes, 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.
Questions
Miami Beach questions.
Do you serve all of Miami-Dade County?
Yes. I'm licensed throughout Florida and work with clients across Miami-Dade, in person or by phone and video.
Can IUL be part of a legacy plan?
Yes. An IUL provides lifetime coverage with a death benefit that's generally income-tax-free to your heirs, plus cash value you can use while you're living.
What if I own a business in Miami?
Business owners often use life insurance for key person protection, buy-sell agreements, and tax-advantaged savings through IUL. I'll walk you through the options that fit your company.
