Term life provides coverage for a fixed period (e.g., 20 or 30 years) and typically has no payout if you outlive the term. Cash value life insurance, like Indexed Universal Life (IUL), builds savings over time and allows you to access your money later — even while you're still alive.

Yes — with certain policies like IULs that offer living benefits. You can access funds in cases of chronic, critical, or terminal illness, and even use the policy as a tax-free retirement income source.

As an independent broker, Brent shops across 15+ top-rated insurance carriers to find the best plan for your needs and budget — with no bias or upselling. You get honest advice, better options, and one-on-one guidance.

The sooner the better — even if you're just starting your career. The earlier you begin, the more time you have to grow tax-free wealth and protect your future income. Brent can help you create a personalized, flexible plan at any stage.

Consultations are completely free. Brent will review your current situation, answer your questions, and help you understand your options — with no pressure to commit.