Life insurance built like a system, not a sales pitch.
I spent years designing systems at IBM before I started designing financial protection for people. I bring the same discipline here: figure out what actually needs to be protected, then build the smallest, cleanest structure that does it.
Three questions, before any product.
Most conversations about insurance start with a product. I start with what the money is actually for. Everything I offer sorts into one of three jobs — and most people need pieces of all three, in a specific order.
Personal Protection
The floor under your household if something happens to you.
- Term life insurance
- Whole life insurance
- Living benefits riders
Tax-Advantaged Growth
Structures that grow and distribute money efficiently, on your terms.
- Indexed Universal Life (IUL)
- Annuities
- Roth conversion strategy
Business Protection
Keeping the business intact when a key person or partner is gone.
- Buy-sell agreements
- Key man insurance
- Executive bonus plans
Where most engagements start.
These are the conversations I have most often. If yours doesn't fit neatly into one, that's normal — most protection plans are a blend.
Term & whole life
Straightforward income replacement and legacy coverage, sized to your actual obligations — not a round number.
Indexed Universal Life
Cash-value growth tied to market indexes with downside floors. I have a dedicated tool for modeling this at iulguy.co.
Annuities & Roth conversions
Turning accumulated savings into predictable, tax-aware income — and deciding when a Roth conversion actually pays for itself.
Buy-sell agreements
Funding the agreement that keeps ownership from becoming a fight if a partner dies or exits unexpectedly.
Key man insurance
Protecting the business against the financial gap left by losing the person it depends on most.
Executive bonus plans
A clean way to reward and retain key employees using life insurance as the funding vehicle.
Specifically here for Indexed Universal Life?
iulguy.co is my dedicated IUL site — floor/cap visualizer, plain-English breakdowns, and the fastest way to see whether an IUL fits your numbers.
From Continental Bank's mainframes to your protection plan.
Before insurance, I spent years in corporate technology, including a long run at IBM supporting Continental Bank's systems. That work taught me to look for the single point of failure in a system before anything else — the "Ray" story I tell clients about a key man policy that actually mattered started right there.
I brought that same instinct into insurance: find the failure point first, then build the smallest structure that closes it. I work independently, which means the recommendation is built around your numbers, not a captive carrier's quota.
I'm based out of Berwyn, Illinois, and currently living in Colombia — which means most of my client work happens by phone, video, and text rather than in an office. It hasn't slowed anything down.
- National Producer Number
- 19624668
- Resident License
- Illinois
- Licensed States
- IL MI GA NC PA
- Verify
- See license documents & state DOI lookups →
Tell me where to text you.
I don't carry a US cell number, so text is often the fastest way to reach me. Leave your info below and I'll follow up personally — no auto-dialers, no call centers.