Protect Your Family. Build Your Future.

Comprehensive life insurance solutions for every stage of life. From affordable term life protection to wealth-building IUL strategies that create tax-advantaged retirement income.

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Complete Financial Protection & Growth

Term Life Insurance

Affordable, straightforward death benefit protection for your family. Lock in coverage when you need it most—raising kids, paying off mortgage, or building wealth.

Indexed Universal Life (IUL)

Lifetime protection plus tax-advantaged wealth accumulation. Participate in market gains with 0% floor protection and access cash value tax-free in retirement.

Tax Efficiency

Both products offer tax-free death benefits to heirs. IUL adds tax-deferred growth and tax-free retirement income through policy loans.

Two Solutions. One Mission: Your Financial Security.

At Legacy Guardian, we believe comprehensive financial protection starts with the right life insurance foundation. Whether you need immediate coverage or long-term wealth building, we've got you covered.

Term Life Insurance - Perfect for:

  • Young families needing maximum coverage
  • Homeowners with mortgage protection needs
  • Professionals building their careers
  • Budget-conscious buyers wanting pure protection

Indexed Universal Life (IUL) - Ideal for:

  • Lifetime coverage with cash value growth
  • Tax-free retirement income strategies
  • Market participation with downside protection
  • Flexible wealth transfer to heirs

We help you choose the right solution—or combination—based on your goals, timeline, and budget. No pressure, just clear guidance.

Professional financial planning consultation

Interactive Insurance Calculators

Explore your options with our calculators. Calculate term life coverage needs or compare IUL growth potential.

Term Life Insurance Calculator

Calculate your coverage needs and see estimated premiums for affordable protection

Looking to build wealth for retirement? Ask about our IUL policies with tax-advantaged growth.

IUL Retirement Calculator

Compare IUL tax-advantaged growth vs taxable S&P 500 using the same contributions and returns

Looking for simple life insurance protection? Ask about our affordable term life options during your consultation.

What Our Clients Say

Real stories from families who protected their future

★★★★★

“Got a 20-year term policy to cover my mortgage and kids' college. $500k coverage for less than I spend on coffee. Peace of mind knowing my family is protected if anything happens to me.”

Michael R.Term Life Client
★★★★★

“Started with term but upgraded to IUL when my income increased. Now I have lifetime coverage plus building cash value for retirement. Best of both worlds.”

Sarah T.IUL Client
★★★★★

“The IUL comparison calculator opened my eyes to how much taxes eat into retirement accounts. The 0% floor protection sealed the deal—I don't lose money in down years.”

David P.IUL Client
★★★★★

“As a single mom, term life was the affordable option I needed. $750k coverage gives me confidence my daughter will be taken care of. Simple application, great rates.”

Jennifer L.Term Life Client
★★★★★

“Legacy Guardian made the whole process so easy. My agent explained everything clearly without the pushy sales tactics. Got exactly what I needed for my family.”

Robert M.Term Life Client
★★★★★

“I was skeptical about IUL at first, but seeing the tax-free retirement income projections changed my mind. Already seeing my cash value grow year over year.”

Amanda K.IUL Client

Partnered with A-Rated Insurance Carriers

We work with financially strong, time-tested companies you can trust

All carriers maintain A or higher financial strength ratings from AM Best, ensuring your retirement security is backed by financially stable companies.

Ready to Protect Your Family?

Schedule a free consultation to explore your options. Whether you need term life coverage, IUL wealth building, or both—we'll design a strategy that fits your goals and budget.

Book Your Free Consultation

Professional guidance. No high-pressure sales. Just clarity.