Most working Americans are saving into accounts the IRS has a legal claim on at retirement. Answer 7 questions to find out if yours is one of them.
🔒 Free. No obligation. No spam.
Question 1 of 7
Question 1
This helps us understand your financial structure — not your exact income.
Question 2 of 7
Question 2
Pick the one that feels most urgent to you right now.
Question 3 of 7
Question 3
Your current retirement "primary engine."
Question 4 of 7
Question 4
"Reposition" means redirecting money you're already saving or spending — not adding a new bill.
Question 5 of 7
Question 5
This determines your funding window and policy design options.
Question 6 of 7
Question 6
Verifies licensing availability in your state. We're licensed in 48 states and work with 30+ carriers.
Question 7 of 7 — Almost there
Final Question
This tells us how to structure the call for you.
Based on your answers, your current retirement setup is too dependent on one structure — and it's one the IRS has a legal claim on at retirement.
Here's what most people in your situation are never shown clearly: a traditional 401K helps you save today, but it does not protect you from taxes later, market drops, or lack of access when life changes.
Think about what that means over the next 10 years. You keep contributing. You feel responsible. You assume you're doing the right thing. Then retirement gets closer and you realize every dollar you pull out may come with rules, taxes, and limits attached.
A properly structured IUL strategy may help create a second bucket outside the traditional system — designed for tax-advantaged growth potential, living-benefit protection, and access to cash value when structured correctly.
The next step is not to buy anything. It's to review your current setup and see whether this strategy even fits.
Free 20-minute strategy review · No obligation · No pressure
You're not starting from zero. You already have enough contribution ability to build something meaningful, and you're thinking about the right issues.
But here's where a lot of people get stuck: they're saving money, but their dollars are only doing one job. Maybe it's sitting in a 401K. Maybe it's spread across different places with no real coordination. On paper, that feels responsible. But responsibility is not the same as strategy.
A properly structured IUL strategy may allow the same contribution discipline to serve multiple purposes at once. The key word is structured — an IUL built wrong can underperform. Built right, it may become one of the most flexible pieces in your plan.
Free 20-minute strategy review · No obligation · No pressure
You may be in the strongest position to benefit from a real strategy review. You have contribution ability. You're thinking long-term. You're not just looking for cheap coverage — you want control, flexibility, and better use of your dollars.
The issue is not whether you can afford to save. The issue is whether the dollars you're already willing to commit are doing enough jobs.
Could the money you're already willing to commit be structured to produce more utility, more flexibility, and more protection? The strategy call is where we find that out.
No generic quote. No one-size-fits-all policy. Just the math, the structure, and the pros and cons.
Free 20-minute strategy review · No obligation · No pressure
Based on your answers, this strategy works best when there's steady income, enough monthly contribution room, and a longer-term funding plan.
That doesn't mean you're doing anything wrong — it just means now may not be the ideal moment to review an IUL.
Focus on building consistent income and come back when you're ready.
Almost There
This is not a quote request. We'll use this to prep your personalized strategy call and confirm your time slot.
🔒 Your information is encrypted and never sold.
Final Step
Pick a time below for your free 20-minute strategy review. Come prepared — this call has a real agenda.
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This is not a "just checking it out" call. This is for people who want to understand whether their money can be structured better. Show up prepared. I'll give you the straight answer either way: fit or no fit.
You're not just getting a quote. You're getting a real review of how your current setup may be exposed to taxes, market risk, and missing protection.
Check your phone — you'll receive a confirmation SMS and email with your call details and a reminder 2 hours before.
— Jawad Alawieh · Licensed Broker
Effective Date: January 1, 2026 · Version 1.0
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Jawad Alawieh · Licensed Life Insurance Broker
Dearborn, Michigan
NPN: 20406039
Email: [YOUR EMAIL]
Phone: [YOUR PHONE]
Effective Date: January 1, 2026 · Version 1.0
These Terms of Service govern your use of our retirement exposure diagnostic funnel operated by Jawad Alawieh, licensed life insurance broker ("we," "us," or "our"). By accessing or using our funnel, you agree to these terms.
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Jawad Alawieh · Licensed Life Insurance Broker
Dearborn, Michigan · NPN: 20406039
Email: [YOUR EMAIL]