IUL Policy Rescue

You Were Sold a Policy.
Were You Sold the Wrong One?

Thousands of IUL policies were designed to make the agent rich — not the client. If your policy is underperforming, confusing, or not doing what you were promised, we'll look at it for free and tell you the truth. No judgment. No sales pressure. Just answers.

Get My Free Policy Audit → Book a Call Instead
Why This Page Exists

My parents were sold a poorly designed life insurance policy. The agent made a lot of money. My parents ended up with nothing.

That is why I do this work.

What happened to my parents wasn't rare. It happens every day, to good people who trusted someone who presented themselves as a financial professional. The policy was structured to maximize commission — high death benefit, minimum cash value, projections that looked impressive in a meeting and collapsed by year 8.

By the time they realized something was wrong, it was too late to do much about it. They had been paying premiums for years. The cash value was a fraction of what they were shown. The agent was long gone.

You deserve to know the truth about your policy. Whether you're 2 years in or 12 years in, whether it's a small policy or a large one — you deserve a second opinion from someone who has no incentive to tell you anything other than the truth.

If your policy is good, we'll tell you it's good and send you on your way. If it's not good, we'll show you exactly why — and what your options are.

This audit is completely free. No strings. No sales pitch. No follow-up unless you want it. Just someone looking at your policy with your interests, not their commission, in mind.

Warning Signs

6 Signs Your Policy Was Built
for Your Agent, Not You

You don't need to be a financial expert to spot these. If any of these sound familiar, request a free audit today.

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Huge Death Benefit, Tiny Cash Value

A policy designed for your retirement should minimize the death benefit and maximize cash value. A policy designed for commission does the opposite. If your death benefit is enormous relative to what you put in, ask why.

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Projections That Looked Amazing

If an agent showed you illustrations with 8–12% returns in the "expected" column without clearly explaining what happens at 4–5%, be worried. Commission-driven policies often use the most optimistic scenarios to close the sale.

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Your Cash Value Isn't Growing Like They Said

If you've had your policy for 3+ years and your cash value is significantly lower than what you were shown in your original illustration, something is wrong. Either the market underperformed, the fees are too high, or the structure was never right.

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You Don't Understand How It Works

A properly designed policy should be explainable in 5 minutes. If your agent was vague, used confusing jargon, or you still don't understand why your money isn't growing — that's a problem with the agent, not with you.

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You Were Told It Would "Pay for Itself"

"Don't worry — the policy pays its own premiums eventually." This is one of the most dangerous things an agent can say. It usually means the policy is structured to eventually collapse under its own fees. Ask to see the cost-of-insurance charges by age 75 and 80.

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Your Agent Has Disappeared

You haven't heard from your agent since you signed the paperwork. No annual review. No check-in. No adjustments. This is unfortunately common — because once the commission was earned, you were no longer valuable. We stay. Our clients don't chase us.

Your Options

We Have Three Ways
to Fix What's Broken

Once we audit your policy, here's what might be available to you — depending on what we find.

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In-Force Policy Repair

Some policies can be restructured without replacement — adjusting the death benefit, changing the funding strategy, or modifying the allocation. If your policy has decent bones and a strong carrier, repair may be the right move. We'll tell you honestly if this is an option.

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1035 Tax-Free Exchange

The IRS allows a tax-free transfer from one life insurance policy to another — preserving your basis and avoiding surrender penalties. If your current policy is structurally broken, a 1035 exchange into a properly designed policy may give you everything you hoped for when you first bought in.

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Clean Break & Fresh Start

Sometimes the right answer is to surrender what exists, take the loss, and start fresh with a properly structured policy — especially if the existing policy has minimal surrender value, high fees, or a carrier with poor indexing performance. We'll do the math honestly, both ways.

Free Policy Audit

Send Us Your Policy.
We'll Tell You the Truth.

Fill out this form and attach your most recent policy statement. We'll review it and get back to you within 24–48 hours with a straight assessment — no sales pitch, no pressure.

PDF, JPG, or PNG — max 10MB. Your document is kept confidential.

Our promise: We will not use this information to pressure you. We will not share it. We will not call you repeatedly. We will send you an honest assessment within 48 hours, and the next move is entirely yours.

IRS Section 1035

A Bad Policy Doesn't
Have to Mean a
Total Loss.

Section 1035 of the IRS tax code allows you to transfer money from one life insurance policy to another — without triggering a taxable event. You don't lose your basis. You don't owe taxes on gains. You just move your money into a properly structured vehicle.

Think of it like refinancing a mortgage with a terrible rate. You're not starting over — you're correcting the structure and keeping everything you've built.

Important: Not every policy is a good 1035 candidate. It depends on surrender charges, existing basis, carrier, and your current health for underwriting. We'll tell you upfront whether it makes sense for your situation.

Example: 1035 Exchange

Existing Policy
Commission-Driven
↓
Tax-Free Transfer (IRS § 1035)
↓
New Policy
Max-Funded ✓
Same dollars. Different destination.
No taxable event. No surrender penalty on the transfer.

Questions About
Policy Rescue

Yes — completely free. The honest answer on "the catch" is this: we hope that if we tell you the truth and your policy needs to be replaced, you'll want to replace it with us. That's the business model. But we're not going to lie to you to manufacture a replacement sale. If your policy is fine, we'll tell you it's fine — because our reputation is worth more than one policy sale.

Then we'll tell you it's fine and give you recommendations to keep it performing well. We've audited policies and told clients there was nothing to fix. That happens. We'd rather lose a sale than destroy someone's trust by manufacturing a problem that doesn't exist.

Probably not. We've rescued policies that were 12+ years old. The key factors are: how much cash value has accumulated, whether surrender charges have expired, and whether a 1035 exchange is possible. Eight years in, many policies have passed their surrender charge period — which actually means you have more flexibility than you think. The audit will tell us what's possible.

A fair question. You shouldn't believe us just because we say so — that's exactly the kind of blind trust that got people into bad policies in the first place. What we'll do is show you the numbers. Your original illustration vs. your current in-force statement. The projected cost of insurance at age 75 and 80. The funding trajectory. Then you can decide if your original agent's "everything is fine" holds up. Data beats reassurance.

Yes — a new policy starts a new surrender period, typically 7–10 years depending on the carrier. This is one of the key trade-offs we evaluate in a 1035 analysis. Sometimes it makes sense to accept a new surrender period in exchange for dramatically better performance over the next 10–20 years. Sometimes it doesn't. We run the math both ways and show you which option wins at your specific timeline.

Your Policy Deserves
an Honest Look.

Free. No pressure. 48-hour turnaround. Send us your policy and let's find out if it's working for you — or for someone else.

Submit for Free Audit → Book a Call Instead
Call Tracy: (435) 232-3234