We’ll review your message and reply within 1–2 business days to confirm the best next step. If it makes sense, we’ll schedule a short call to learn your goals, timeline, and cash-flow comfort level before discussing any policy design.

Think of it as a consultation. We’ll clarify what you’re trying to accomplish with IBC, answer your questions, and outline options. If we’re not a fit, we’ll tell you plainly—no pressure, no chasing, and no obligation to apply.

Not at all. We work with people starting from scratch as well as those who already have coverage. If you have an existing policy, bring the in-force illustration (and any recent statements) so we can evaluate how it’s performing.

A rough sense of your monthly or annual funding range, your time horizon, and what you want the cash value to do (e.g., reserves, real estate, business capital). If you already have policies, having carrier names and policy numbers is helpful.

Underwriting is handled by the insurance carrier and typically includes an application, health questions, and sometimes a medical exam and labs. Timelines vary, but many cases are completed in a few weeks; we’ll keep you updated at each step.

Yes. We can review your current policy structure and performance, explain trade-offs, and identify whether adjustments or a new design would better match your IBC goals. We’ll give you a clear recommendation based on what the numbers show.