We're Not Just Another Life Insurance Brokerage. We Build Financial Strategies That Win.
Whether you’re worth $100 or $100M, an Indexed Universal Life (IUL) can be one of the most powerful tools in your financial arsenal — if it’s done right.
Why you should Listen To me
Eli Howard
NPN # 20429648
Our firm has investment advisory, insurance, and real estate services. We’ve reviewed hundreds of client portfolios, from $100 to $100M in assets. My clients aren’t looking for another policy — they’re looking for a strategy.
Proven Investment Strategies
Legally Obligated to Act In Your Best Interest
Guaranteed Protection For You & Your Family
What Makes a Properly Structured IUL Different
For Individuals:
Tax-free growth & withdrawals — like a Roth IRA, but without income limits.
Flexible access to cash — like a brokerage account, but without market downside.
Legacy protection — like life insurance, but with more living benefits
Long-term care benefits — built right in, like LTC insurance.
For Business Owners:
Key employee protection — replace revenue drivers without crippling cash flow.
Tax-advantaged growth on your balance sheet.
Collateral potential for business opportunities or credit lines.
Why An IUL Belongs in Your Portfolio or Business Plan
Compounding safe interest is great… but compounding safe interest that’s tax-free is better. An IUL can be:
A Retirement Income Source with Market Downside Protection
An IUL gives you a unique advantage in retirement planning: the ability to build income without the risk of losing money to market crashes. The cash value inside an IUL is floored at 0%, which means even if the market takes a hit, your policy doesn't lose value due to negative returns. This level of insulation allows you to grow your money with confidence—and later convert it into a reliable stream of retirement income, without worrying about timing the market or recovering from downturns.
A Tax-Free Funding Tool for Opportunities
Whether you're looking to invest in real estate, acquire a business, or take advantage of a time-sensitive opportunity, the cash value in your IUL can be accessed completely tax-free. That means your money continues growing inside the policy—even as you leverage it for big moves. It’s a strategic way to fund investments or capitalize on opportunities without creating taxable events or liquidating other assets. For business owners and high-income earners, this flexibility is a powerful addition to your financial toolkit.
A Legacy Plan That Protects What Matters
Beyond wealth-building and opportunity funding, an IUL also provides a built-in death benefit—offering peace of mind that your loved ones or business partners will be protected if something happens to you unexpectedly. This makes it a smart solution not just for personal estate planning, but for business continuity as well. Whether your goal is to care for your family or secure your company’s future, an IUL provides a flexible, tax-advantaged way to leave a lasting impact.
Overcoming the “I Can’t Qualify” Problem
Even if you can’t personally qualify for coverage, we have dynamic, uncommon strategies to still get this asset into your portfolio — strategies most advisors won’t tell you about.
We only use A-rated carriers or better for your insurance needs so you know that only the best will protect you and your family.
Book Your Qualification Call
Whether you’re building wealth for retirement or safeguarding your business, a properly structured IUL is hard to beat. Book on our calendar for your free qualification call.
100% Free
30-Minute Strategy Session
Personalized to Your Financial Situation
Copyrights 2025 | Investment Advisory Services offered by E. H. Howard is offered through Wealth Watch Advisors, an SEC Registered Investment Advisory Firm.