AURABAYLIFE

One policy.
Three jobs.

Understand how each one can benefit your family and your future.

Most people buy life insurance when they get older, for the day they die. Learn how an indexed universal life policy — along with the other plans on the shelf — can work for you while you are very much alive.

Winning in today's world isn't high risk, high reward. It's security, protection, and control of your own money.

Read the three jobs below first. The application asks which one you came for, and the answer changes how the policy gets built.

13
Carriers appointed
$0
Consultation fee
20+
States licensed

Not sure which? Protect if someone depends on your income. Build if you're already maxing your retirement accounts. Leverage if you own the business.

Think this is the one you need?Apply and we’ll find out whether it fits and whether you qualify.
The number almost everyone gets wrong

People size coverage against what they owe. The mortgage is finite and shrinking. The income is neither. Both bars below are drawn to the same scale.

WHAT THEY INSURE $400,000 mortgage WHAT ACTUALLY DISAPPEARS $9,000,000 30 working years at $300,000, before a single raise. Same scale as above.
WHAT THEY INSURE $400,000 — the mortgage balance WHAT ACTUALLY DISAPPEARS $9,000,000 30 remaining working years at $300,000 — before a single raise. Each block is one year.

Illustrative example, not a quote. Coverage amounts and premiums depend on your own numbers and full underwriting.

Full disclosures for this section

Think this is the one you need?Apply and we’ll find out whether it fits and whether you qualify.
Three buckets, three tax outcomes

By this income almost everything you own sits in the first two. The third is the one nobody set up.

401(k) & rollover IRA grows tax-deferred taxed as income when drawn capped at $24,500 in 2026 Taxable brokerage reachable any time a 1099 every single year drag compounds against you Policy cash value grows tax-deferred loans aren't taxable income while the policy stays in force no income limit to participate
401(k) & rollover IRA grows tax-deferred taxed as income when drawn capped at $24,500 in 2026 Taxable brokerage reachable any time a 1099 every single year drag compounds against you Policy cash value grows tax-deferred loans aren't taxable income while the policy stays in force no income limit to participate

The third bucket carries costs the first two don't — cost of insurance and policy charges — and federal tax law caps how much you can put in. That's the trade for the tax treatment. Life insurance is not a security or an investment in the market, and nothing here is investment or financial advice.

What the 0% floor actually does

Two lines, six years, the same index. The grey line is the index. The green line is what the policy credits.

0% index −8% index −14% index +18% to the cap the index what the policy credits Down years credit 0% instead of a loss. Up years are capped, so not the full index either.
0% index −8% index −14% index +18% credited to the cap the index what the policy credits Down years credit 0% instead of a loss. Up years are credited to a cap, so you don't get the full index either.

The floor applies to the index credit, not to the account. Cost of insurance and policy charges are deducted every year, including a 0% year, so cash value can still decline. Caps and participation rates are set by the carrier and can change.

The part that changes the math

Three people, nearly the same money out of pocket, three completely different outcomes at 65. The only variable is when they started.

Same money inWhat it's worth at 65
Starts at 35$500/mo · $16.44 a day · $180,000 in
$450,000
Starts at 45$750/mo · $24.66 a day · $180,000 in
$320,000
Starts at 55$1,000/mo · $32.88 a day · $120,000 in
$130,000

The first two contributed the identical $180,000. Ten years apart, $130,000 of difference. Waiting doesn't cost you the premiums you skipped — it costs you the years those premiums would have been compounding, and those years are the only input you can never buy back.

Hypothetical example only. Assumes a 7% illustrated rate that is not guaranteed, premiums paid as shown, and a preferred non-tobacco underwriting class. Actual results will differ. Index credits are limited by caps, participation rates, and spreads set by the carrier and subject to change. Policy charges are deducted even in years the index is flat or down, so account value can decrease. Loans and withdrawals reduce cash value and death benefit and may have tax consequences. This is not a quote, an offer of insurance, or a policy illustration — a licensed agent will provide a carrier illustration before you apply. Not investment, financial, tax, or legal advice. Full disclosures.

Full disclosures for this section

Think this is the one you need?Apply and we’ll find out whether it fits and whether you qualify.
Who decides whether you get the money

Same amount, two sources. The difference isn't the rate — it's who has to say yes, and how long they take.

THROUGH A BANK — FOUR GATEKEEPERS 1   Apply 2   Credit pull 3   Underwriting 4   Covenants weeks of friction, if approved AGAINST YOUR OWN POLICY — ONE Request the loan That's the whole diagram. Once there is cash value to borrow against. Carriers fund in days, not the same afternoon.
THROUGH A BANK — FOUR GATEKEEPERS Apply Credit pull Underwriting Covenants weeks of friction, if approved AGAINST YOUR OWN POLICY — ONE Request the loan No approval needed That's the whole diagram. Once there is cash value to borrow against. Carriers typically fund in days, not the same afternoon.
Full disclosures for this section

What happens next

Three steps, and not everyone gets through all three.

01

Find the design that fits you

Click into whichever of the three above matches what you're actually trying to do. The way a policy gets built for income replacement is not the way it gets built for access to capital, and picking the wrong one costs real money.

02

Apply, and we find out if it's a fit

Hit apply and I'll reach out to go through your numbers, your obligations and what you want the money to do. Some of these conversations end with me telling you to fund your 401(k) instead. That's a fine outcome.

03

See whether you qualify

Coverage runs through carrier underwriting — age, health, and finances all decide the price and whether you're approved at all. If it makes sense and you qualify, we move. If it doesn't, we don't. Insurance guidance only, not investment or financial advice.

Get in touch

Have questions? We're here.

Reach out directly and a licensed producer gets back to you — not a call center. If you'd rather not fill anything out, a call or an email works fine, within one business day.

Hours
Mon–Sat · 9:00am–9:30pm ET
Sunday · 12:00–7:00pm ET