Indexed Universal Life Insurance gives you market-linked growth, a zero-loss floor, and a tax-free death benefit — all in one policy. Full Circle Financial helps families understand and access it.
IUL is a permanent life insurance policy that doubles as a wealth-building tool — with features most families never knew existed.
Your cash value is indexed to the S&P 500 or similar index. When the market goes up, you earn gains. When it drops, you earn zero — not negative. Your money never goes backwards.
Cash value grows tax-deferred inside the policy. You can take withdrawals as policy loans — completely tax-free. No 1099. No required minimum distributions.
Unlike term insurance that expires, IUL is permanent. Your family receives a tax-free death benefit no matter when you pass — giving them lasting financial security.
Access your cash value for retirement income, college funding, emergencies, or any major life event — while you're still alive. Your policy works for you in every stage of life.
In 15 minutes we'll review your situation and tell you honestly whether IUL makes sense — no pressure, no pitch.
Get a Free AssessmentPermanent life coverage built around your family's specific situation — not a one-size-fits-all policy. We match the right carrier and product to your exact needs.
IUL strategies that build tax-advantaged wealth alongside your life coverage — growing your net worth while protecting your family at the same time.
Full-circle health solutions that complete your family's protection plan — because financial security means covering every dimension of your wellbeing.
Lance is a data-driven insurance professional with a singular focus: helping families build real, lasting financial protection. His meticulous approach means every recommendation is backed by numbers — and every client understands exactly what they're getting and why.
With a 13-agent team serving 28 states and over $392K in personal production in 2025, Lance has built Full Circle Financial into a results-driven agency that puts education before sales — every time.
Education first. We never recommend a product before understanding your situation completely.
Data-driven decisions. Every recommendation is backed by real numbers and honest projections.
Long-term relationships. We're here for the full circle of your financial life — not just one transaction.
Fill out the form and Lance's team will reach out within 24 hours with a personalized assessment — completely free and zero pressure.
A licensed specialist will review your situation and reach out personally.
Your information is never sold or shared with third parties. Ever.
If IUL isn't right for you, we'll tell you honestly. Education first, always.
Prefer to call directly?
(215) 678-7702Lance's team will reach out within 24 hours with a personalized assessment. In the meantime, feel free to call at (215) 678-7702.