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An Indexed Universal Life policy is designed to protect your family while also giving you the ability to build long-term financial value. It provides a death benefit that can help pay off your mortgage or replace income, but it also builds cash value over time based on market index performance—without directly risking your money in the market.
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| Coverage amount | Starting at |
|---|---|
| $100,000 | $6/ mo |
| $200,000 | $10/ mo |
| $500,000 Most popular | $13/ mo |
| $1,000,000 | $18/ mo |
| $2,000,000 | $30/ mo |
Your money grows without being taxed yearly.
You don’t lose money when the market declines.
Use your funds during your lifetime when needed.
Adjust premiums and benefits as your life changes.
Working with an independent broker means you get honest guidance — not a sales pitch tied to one company’s products. I combine 16+ years of industry experience with a straightforward, client-first approach to make sure you walk away with a policy you actually understand and can rely on.
This strategy works best for people who want more than just basic life insurance.
We talk for 15 minutes. I’ll ask about your mortgage, your health, and your worries.
I shop multiple A & A+ rated carriers to find a plan that fits your budget. No pressure. No obligation.
You review the options. If it makes sense, we move forward. If not, no hard feelings.
You get protected. I stay in your corner for questions or claims down the road.
I’m the founder of DeFazio Insurance Brokerage, and I specialize in helping individuals and families lock in the right protection before it becomes expensive—or unavailable. This isn’t about selling policies. It’s about structuring coverage correctly the first time so there are no gaps, no surprises, and no guesswork down the road.
With over 16 years in sales and client strategy, I’ve seen where people get misled, overpay, or end up with coverage that doesn’t actually protect them when it matters. My role is to cut through that—quickly identify what you qualify for, what makes the most sense financially, and how to structure it for long-term flexibility.
As an independent broker, I work with 40+ A and A+ rated carriers. That means we’re not forcing one product—we’re finding the best option based on your health, budget, and goals. More importantly, we focus on policies that include living benefits and real flexibility, not just a payout someday.
I run a very direct, efficient process. We get you properly qualified, review your options, and if it makes sense, we move forward. If not, you’ll at least know exactly where you stand. Either way, you’re walking away with clarity—and that’s the goal.
Connect with me for fast responses, clear advice, and dependable insurance solutions.
