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Tailored to You
IUL
Build your financial future and enjoy the peace of stability and comfort in the years ahead.
Life Insurance with living benefits
Be prepared for life’s unexpected moments. Get financial support when you need it most, with peace of mind.
Annuities
Protect your legacy and ensure the ones you love are taken care of, no matter what happens.
Eríka Pereira - life planner
Eríka Pereira – Life Planner
With over 21 years of experience leading major Real Estate and Infrastructure projects, I hold a degree in Business Administration and a Master’s in Project Management.
Having lived and worked across 4 countries and visited more than 25, I’ve seen firsthand how essential it is to have a solid financial plan, not just for peace of mind, but for the people we care about most.
Today, my mission is to help you create a financially secure future for you and your loved ones. That’s why I’ve partnered with National Life Group, a company with over 170 years of history, to offer protection plans built for what truly matters: your peace of mind.
Stories That Changed Lives
Take Care of What Matters Most
Financial protection and peace of mind for you and your loved ones.
Traditional Life Insurance vs. Life Insurance with Living Benefits
COVERAGE
TRADITIONAL INSURANCE
LIVING BENEFITS
DEATH
YES
YES
HEART ATTACK
NO
YES
STROKE
NO
YES
CANCER
NO
YES
BLINDNESS
NO
YES
PARALYSIS
NO
YES
COMA
NO
YES
ALZHEIMER'S
NO
YES
How to Get Started — Step by Step
Initial Meeting
We begin with a conversation to understand your needs, lifestyle, and priorities, so we can find the protection plan that truly fits you.
Personalized Proposal
Based on our conversation, we’ll prepare a custom proposal with clear options and benefits, tailored to your goals and what matters most to you.
Documents & Activation
Once you approve your plan, we’ll guide you through the documents and next steps to activate your protection, simply and efficiently.
BECOME an agent
Join an experienced team that’s changing lives and start building a career with real purpose. Help people protect their future while shaping your own.
Industry-leading commissions
Flexibility & geographic freedom
Real career growth
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FAQ
How can IUL be used for legacy planning?
IUL isn’t just for unexpected events. It can also be useful throughout your life, helping with finances and giving you more freedom in your choices.
Here are some ways it can help:
- Extra income for retirement: You can use the money you’ve built up to supplement your income after you stop working, pay for health expenses, or enjoy things like travel and personal projects.
- Financial protection for your loved ones: If something happens to you, your family can receive a payout that helps with stability, paying off debts, or covering education for your children or grandchildren.
- Flexibility over time: You choose how much to invest, how the money grows, and who gets it. You can adjust your plan as your life changes.
- Tax advantages: The money in your plan can grow with tax deferral, which helps it grow faster. And in many cases, the benefit paid to your beneficiaries is income tax-free.
Freedom to do what matters most: Use the money to take care of your health, support your goals, invest in learning, or just enjoy life with more peace of mind.
How can I calculate the value of my life insurance?
The value of your life insurance can vary based on factors like age, health, occupation, the type of coverage you choose, and the benefit amount you want. We’re here to help you create a personalized plan and calculate the right value for your needs and lifestyle.
Can the value of my life insurance change in the future?
Yes, your policy value can be adjusted over time depending on your needs, age, and any changes to your coverage.
Can I use IUL to pay for my child's education?
Yes, an IUL can be a smart way to help fund your child’s education. Over time, it builds cash value that can be used for college tuition, international programs, or special courses.
Some plans even include education-focused features, like early access to part of the value or coverage increases when your child reaches milestones like college enrollment.
What are the Benefits of Using Indexed Universal Life (IUL) for Business Succession Planning?
An IUL can be a strategic tool to protect and support your business continuity. Here’s how it can help:
- Financial protection: Provides a guaranteed payout regardless of market performance.
- Growth potential: The policy’s value can grow based on market indexes.
- Flexibility: Adjust contributions and allocations based on your company’s situation.
- Tax benefits: Tax-deferred growth and potential tax-free withdrawals.
Succession planning: Can help fund buy-sell agreements and reduce inheritance taxes.
Can I use IUL to help with a property purchase?
Yes, IUL can be used to buy property in several ways:
- Down payment boost: The accumulated cash value in your IUL can be accessed through loans or withdrawals (subject to policy terms) to supplement your down payment and potentially get you closer to your dream property.
- Bridge financing: If there’s a gap between selling your current property and closing on a new one, IUL can be a temporary source of funds to bridge the gap, avoiding expensive bridge loans.
- Emergency buffer: Unexpected repair costs or other property-related expenses can be covered with your IUL cash value, providing financial security and peace of mind after your purchase.
Retirement income stream: In the long run, certain IUL policies offer income options that generate guaranteed income streams in retirement like a pension, or help additional expenses like long-term care needs, as you age.
Can I use IUL to pay for medical expenses and what are the pros and cons?
While IUL offers some attractive benefits for covering medical expenses, it’s important to weigh the potential drawbacks before making a decision. Here’s a breakdown of the pros and cons:
Pros
- Access to the accumulated amount without paying income tax.
- Tax-advantaged growth of the cash value.
- Potential for higher returns compared to traditional savings accounts.
Cons
- If you withdraw from the accumulated cash value during your lifetime, both the death benefit and the living benefits may be reduced accordingly, depending on how much you access.
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