Coverage design, quotes, and underwriting questions are handled virtually or by phone — Tele-Wealth planning without an in-person sales visit.
Life insurance built around your life, not a template.
We use a detailed system based on your age, health, and financial goals to align you with the premier policies for living benefits, supplemental tax-free retirement income, and other gems available in your state.
No obligation. Educational review of your options in your state.
Our System
Three inputs. One tailored recommendation.
We don't sell a product — we engineer a match. Your quote is the output of a disciplined process that filters every state-approved carrier against what actually fits you.
Your Age
Time horizon shapes premium structure, cash value growth, and payout design.
Your Health
Underwriting class unlocks the most favorable rates and living-benefit riders.
Your Financial Goals
Legacy, income, protection — your goals decide the policy design, not the other way around.
What the right policy can do
Modern life insurance is a planning tool. Here's where it earns its keep in a real financial plan.
Living Benefits
Access a portion of your death benefit while you're still living in the event of a chronic, critical, or terminal illness — protecting your retirement from a health event.
Tax-Free Retirement Income
Properly structured policies can supplement your retirement with income that doesn't show up on a 1040 — a powerful complement to your IRA and 401(k).
State-Specific Gems
Every state has standout carriers and riders most agents never surface. We shop the field so the best design in your state finds you.
How it works
From request to right-fit quote in three steps.
1. Quick Intake
Share your age, health snapshot, and top financial goals — takes minutes, not hours.
2. Custom Match
We run your profile against premier carriers approved in your state and design the top options.
3. Side-by-Side Quote
You get a clear, no-pressure comparison — living benefits, cash value, and tax-free income potential.
- Independent — not tied to any single carrier
- Expert licensed in your state
- Educational first, sales second
- Coordinated with your retirement plan
Supplemental tax-free income
Using cash value life insurance as a tax-free retirement income bucket
A properly designed indexed universal life policy grows without annual taxation and can be accessed later through withdrawals and policy loans that do not show up as taxable income — the third tax bucket most retirement plans are missing.
See how the tax-free income strategy worksReady for a quote built around you?
Answer a few questions and we'll return a tailored comparison of the best living-benefit and tax-free income policies available in your state.
Get My Life Insurance QuoteWe don't randomly assign you to whoever is available. We review your Life Insurance Needs Discovery answers and match you with a dedicated Life Insurance Hero whose expertise fits your health profile, age band, and goals — then they stay with you from quote to policy delivery.
Book My 15-Min Verification CallPlans change — that's fine. You can reschedule or cancel in a couple of clicks, any time, without calling or emailing us.
- Expert licensed in your state
- Free 15-minute consultation
- Tele-Wealth: Zoom or phone
- Your information is never sold
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The Advisors We Recommend All Work With Top-Rated Insurance Companies
Carrier logo scrolling playing.
- Allianz Life
- Corebridge Financial
- EquiTrust Life
- Global Atlantic
- North American
- Pacific Life
- MassMutual
- American Equity
- Mutual of Omaha
- Symetra
- Jackson National
- Protective
- Transamerica
- Securian Financial
- Ameritas
- Equitable
Disclosure: Carrier names and logos are shown for identification and reference purposes only. Their appearance here does not constitute an endorsement, recommendation, sponsorship, or approval of My IRA Hero, its advisors, or any strategy discussed on this site, and it does not imply any affiliation, partnership, or agency relationship with these companies.
Results are not guaranteed. Nothing on this page is a solicitation for any specific product, a projection of future performance, or a promise of any particular outcome. Product availability, features, riders, and rates vary by carrier, state, age, health, and suitability, and are subject to change and underwriting approval. Any guarantees are backed solely by the claims-paying ability of the issuing insurance company. My IRA Hero does not provide legal, tax, or accounting advice; consult your own qualified professionals.
Why a fixed index annuity can be a powerful addition to a retirement plan
Retirement is about more than maximizing returns. This plain-English guide explains how one portion of a portfolio can be assigned a different job — protection from index losses, index-linked growth potential, and lifetime income you can't outlive — plus the risks, the mortality-pooling math, and when an FIA is the wrong fit.
Read the guideKeep reading
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Read the guidePlan for long-term care costs
How care is paid for, and the funding routes that carry tax advantages.
Read the guidePlan the estate side of retirement
Wills, trusts, directives, and beneficiary design that still match the balance sheet.
Read the guideWhen you're ready to see the numbers for your own household, start with the free Retirement Income Score — then talk it through with a licensed Expert.
Get my Retirement Income Score Book a free 15-minute callOur fiduciary commitment
We only refer you to Retirement Experts who are obligated to act as a fiduciary at all times — legally bound to put your interests ahead of their own on every single recommendation they make to you.
Every Expert we refer must also be willing to give you a written Fiduciary Pledge — a signed legal statement confirming that duty to you in writing. If an Expert will not put it in writing, we will not refer you to them. Just ask for it on your call.
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