⌂
Protect what matters
Life insurance can provide a death benefit that helps loved ones manage final expenses, income loss, debt, education costs, and other financial needs.
PROTECTION • EDUCATION • LEGACY
Build a financial future
that outlives you.
Life insurance is more than a policy. With the right education and a strategy designed around your goals, it can help protect the people you love and support the legacy you want to leave.
Education first. No pressure. Personalized guidance.
YOUR LEGACY
Protected with purpose.Family • Future • FreedomClear education
◆Licensed guidance
◆Solutions built around you
UNDERSTAND BEFORE YOU DECIDE
Financial education
changes everything.
Insurance can feel complicated. Our role is to make it understandable—so you can ask better questions, compare your choices, and make an informed decision for your family.
See the building blocks↗
Understand IUL
Indexed universal life is permanent life insurance with flexible features and cash-value growth potential linked in part to a market index—without investing directly in that index.
♢
Plan your legacy
Coordinate protection with your broader goals so the people and causes you care about have a stronger financial foundation.
IUL, IN PLAIN LANGUAGE
Protection today.
Potential for tomorrow.
An IUL can combine lifelong death-benefit protection with a cash-value component. Interest crediting is subject to the policy’s caps, participation rates, floors, charges, and other terms.
Discuss your options01Permanent coverageDesigned to remain in force when adequately funded and policy requirements are met.
02Index-linked creditingPotential interest crediting based partly on an external market index, subject to policy terms.
03Flexible designPremium and death-benefit flexibility may be available within contract limits.
04Access considerationsPolicy loans and withdrawals may provide access to value, but can reduce benefits or cause the policy to lapse.
FOR CHILDREN 14 DAYS THROUGH AGE 17
The Million Dollar
Baby Strategy
A long-term life-insurance strategy designed to give a child an early foundation for protection, potential cash-value accumulation, and future financial flexibility.
01Begin as early as two weeks oldA parent, grandparent, or other eligible adult may apply for coverage, subject to carrier rules, insurable interest, consent requirements, and underwriting.
02Put time on their sideStarting early can allow more years for potential cash-value accumulation, but actual values depend on funding, policy charges, credited interest, and contract performance.
03Build lifelong possibilitiesProperly structured coverage may support protection and future access to policy value for needs such as education, a first home, a business, or retirement planning.
What “million dollar” means: It describes the strategy’s aspirational long-term goal—not a guaranteed cash value, payout, or result. Any illustrated outcome requires a carrier-approved illustration based on the child, policy design, premium commitment, and assumptions.
COMPLIMENTARY ESTATE PLANNING
Protect your wishes.
Not just your wealth.
A thoughtful estate plan helps the people you trust understand your decisions and act on your behalf when it matters most. Ask how you can receive access to essential estate-planning documents at no cost.
Availability noticeThis complimentary offer is not available in Alaska, Louisiana, South Dakota, or Washington. Additional eligibility and service terms may apply.
Ask about estate planning Will
Record how you want property and personal matters handled and identify the people responsible for carrying out your wishes.
Trust
Create written instructions for how assets placed in the trust should be managed and distributed.
Power of Attorney
Name someone you trust to handle specified financial or legal matters if you are unable to do so.
Healthcare Directive
Document your healthcare preferences and identify who can speak for you when you cannot communicate your decisions.
Medical Consent
Authorize a designated person to make or approve permitted medical decisions when the document applies.
CHOOSING WITH CLARITY
Different tools.
Different purposes.
Term lifeWhole lifeIUL
Coverage period
Set term
Lifetime*
Lifetime*
Cash value
Typically no
Guaranteed schedule
Index-linked potential
Premium style
Generally level for term
Typically fixed
Flexible within limits
Best known for
*Subject to sufficient premium funding, policy performance, charges, and contract terms.Affordable temporary protection
Predictability
Flexibility and growth potential
A BETTER WAY TO BEGIN
Your goals lead
the conversation.
- 1We listen
We start with your family, priorities, budget, and timeline.
- 2We educate
We explain choices, tradeoffs, costs, and policy mechanics in plain language.
- 3You decide
You choose whether and how to move forward—without pressure.
COMMON QUESTIONS
Let’s make it clear.
Does an IUL invest directly in the stock market?
No. An IUL credits interest using a formula linked to an external index. You do not own shares of the index, and credited interest is governed by the insurer’s contract terms.
Can an IUL lose value?
A floor may prevent negative index crediting, but policy charges continue and can reduce cash value. Poor funding, loans, withdrawals, or changing policy terms can affect performance and may lead to lapse.
Is life insurance only for final expenses?
No. Depending on the policy and your needs, the death benefit may also help replace income, pay debts, fund education, support a business, or leave a legacy.
How much coverage do I need?
There is no universal amount. Income, debt, dependents, existing assets, budget, and long-term goals should all be considered in a personalized needs analysis.
Is the Million Dollar Baby Strategy guaranteed to reach $1 million?
No. It is the name of a long-term planning strategy, not a promise of a particular cash value or benefit. Any values shown must come from a carrier-approved illustration and depend on policy design, premiums, charges, credited interest, loans or withdrawals, and keeping the policy in force.
What is included with the complimentary estate-planning offer?
The offer includes access to documents for a will, trust, power of attorney, healthcare directive, and medical consent. It is not available in Alaska, Louisiana, South Dakota, or Washington. Eligibility, document suitability, execution requirements, and other terms may apply.
YOUR NEXT STEP
Let’s protect what
you’re working so hard to build.
Start with a no-pressure conversation about your goals and questions.
Prefer email? terri.stevenson@grandpointcg.com