Yes—your first call is complimentary. We’ll clarify your goals, timeline, and cash-flow comfort level, then outline what an IBC-focused whole life design could look like and what the next steps (and any fees) would be—no pressure to move forward.

Pricing depends on what you need: a new policy design, a review of an existing policy, or ongoing optimization. After the initial call, you’ll receive a clear scope and fee (if applicable) before any work begins, so you can decide with confidence.

It can be either, depending on the engagement. Insurance policies are issued by carriers and may include agent compensation built into the policy. If you choose a standalone review or advisory-only help, that may be fee-based. We’ll explain compensation transparently up front.

There isn’t one universal number. Your starting premium should match your income, liquidity needs, and how you plan to use cash value. We’ll model a few sensible options—from conservative to aggressive—so you can choose a funding level you can comfortably sustain.

Yes. We can analyze your current policy for IBC suitability (structure, riders, cash value performance, and flexibility) and explain practical options—keep it, adjust it if possible, or redesign. You’ll get a straightforward recommendation and next steps.

Timelines vary by carrier and underwriting, but most cases move from application to approval in a few weeks. We’ll keep you updated at each step, help you prepare for underwriting, and coordinate the details so the process stays smooth and predictable.