Life is uncertain — but with the right Insurance Broker, your family’s financial security isn’t.
People saved and protected their families this week.
Understand Your Goals & Build the Foundation
We start with a friendly, pressure-free conversation to explain how IULs work and uncover what matters most to you—your family, future goals, and financial priorities. You'll leave with clarity, not confusion.
✅ Judgment-free guidance
✅ Education-first approach
✅ Goal-based planning
We Customize the Right IUL For You
Based on your needs, we design a flexible strategy with trusted, A+ rated carriers—balancing protection, cash value growth, and premium options that fit your lifestyle.
✅ Personalized plan design
✅ Transparent premium breakdown
✅ Built-in flexibility for future adjustments
A Policy That Works for You Today—and Tomorrow
Once approved (often in just minutes), we’ll walk with you every step of the way. As your licensed agent, we’re here to ensure your plan stays optimized as your life evolves—because this isn’t just a policy. It’s a lifelong partnership.
✅ Fast approvals
✅ Market-linked growth potential
✅ Ongoing expert support
The Solara Way
The Old Way
With a client-first mindset, custom-built IUL solutions, and deep industry insight, we help you secure lifelong protection and unlock tax-advantaged growth — giving you confidence at every step of your financial journey.
Protect your loved ones and grow tax-free wealth with a personalized IUL plan.
Our licensed specialists tailor IUL strategies to fit your unique financial vision and future needs.
Providing top-rated life insurance trusted by families across North America.
We make IULs easy to understand, with expert guidance and flexible options that build both protection and long-term wealth.
We connect you with trusted IUL solutions designed for protection, growth, and peace of mind.
Want to know more or have a question? You can always reach us at info@SolaraLife.com but here are some of our most frequent questions.
Term insurance is temporary—it offers coverage for a set period, then ends with no value left behind. An IUL provides lifelong coverage, while also serving as a financial tool to accumulate wealth, access tax-free funds, and build a financial legacy. It’s protection plus planning, all in one.
Nope. That’s the beauty of an IUL. While your cash value earns interest based on market performance, you’re protected by a 0% floor—meaning even in a bad year, your account doesn’t lose value due to market loss. You get upside potential with downside protection.
With an IUL you build cash value around 6-12% compounded annually. Since it is tied to the S&P 500 it varies, but over the last 70 years the S&P has averaged 9-10.5% estimated)” Compared to a Whole Life policy that has a fixed rate of 4-5%, an IUL rides with the S&P 500 to give you a much better ESTIMATED ROI.
Yes—and they’re powerful. Your cash value grows tax-deferred, and you can access that money later tax-free through loans and withdrawals, if structured properly. Think of it as a tax-advantaged retirement vehicle wrapped in a life insurance policy.
Many of our clients begin tapping into their cash value as early as year 8+, because this is not a get rich quick scheme, it does take time for the cash value to grow and compound. The more consistently you contribute, the faster your policy builds. This is where your long-term strategy with a Solara advisor makes all the difference.
Not always. Solara works with top-rated carriers offering no-medical-exam policies, with approvals in as little as 24-72 hours depending on your age, health, and coverage amount. We’ll guide you through every option.
Your monthly premium depends on your age, health, financial goals, and the type of plan you want to build. But remember—this isn’t just an expense. It’s an asset that works for you: protecting your family and building wealth you can use while living.
Absolutely. One of the biggest benefits of an IUL is flexibility. You can increase, decrease, or even pause contributions (once you’ve built cash value) based on your financial situation. Life changes—and your plan can adapt with it.
An IUL is ideal for individuals who want more than just coverage. It’s built for people who want to:
If you're a U.S. citizen or permanent resident between the ages of 20 and 85, you're eligible to apply for coverage through Solara Life.
At Solara Life, we offer a comprehensive range of life insurance and retirement planning solutions tailored to your specific goals—whether you're focused on income protection, legacy planning, or building long-term financial growth. Our offerings include:
✅ Indexed Universal Life (IUL) Insurance: A flexible, permanent policy that provides lifelong death benefit protection while also offering the potential for tax-advantaged cash value growth tied to market indexes. Ideal for those who want both protection and a path to build wealth.
✅ Term Life Insurance: Affordable, time-based coverage designed to protect your loved ones during your most financially vulnerable years. Ideal for covering major obligations like income replacement, child-rearing costs, or a mortgage.
✅ Final Expense Whole Life Insurance: Permanent coverage focused on easing the financial burden of funeral costs and end-of-life expenses. Coverage amounts are typically smaller but guaranteed for life, making this a smart choice for seniors or anyone seeking peace of mind.
✅ Mortgage Protection Insurance (typically structured as Term Life): Designed to pay off your mortgage in the event of your passing, ensuring your family can remain in their home without financial strain.
✅ Whole Life Insurance: Permanent coverage that builds guaranteed cash value over time. Whole life policies offer predictable growth and stable premiums, making them an excellent tool for long-term financial planning and wealth transfer.
✅ Annuities & Retirement Plans: In addition to life insurance, Solara Life Group offers fixed and indexed annuities, designed to create a guaranteed income stream during retirement. These solutions help protect your savings, provide tax-deferred growth, and ensure financial security as you age.
✅ Equity Protection: Designed to safeguard the value of your home or investments, our equity protection strategies help ensure that unexpected events like illness, death, or disability don’t jeopardize the assets you’ve worked so hard to build.
✅ Health Insurance: Whether you're self-employed, transitioning between jobs, or seeking supplemental coverage, we help connect you with affordable, personalized health insurance options to protect your well-being and financial stability.
There’s no one-size-fits-all policy. Every financial journey is different—and so is every plan we design. Your income, family situation, long-term goals, and even your retirement timeline all factor into building the right coverage.
That’s why at Solara Life, we take a personalized approach to protect your life today—and secure your legacy for tomorrow.
While having life insurance through your employer is a helpful benefit, it’s important to understand its limitations—and why it may not be enough to fully protect your family. Most employer-sponsored life insurance policies provide limited coverage—often equal to just one or two times your annual salary. While this can offer short-term protection, it may fall short of what your loved ones would actually need in the event of your passing.
Even more importantly, this coverage typically ends when your job does. If you change employers, retire, or are laid off, you may lose your insurance entirely, leaving you exposed during a critical time. At Solara Life, we help you take control of your financial future with a personalized life insurance plan that stays with you—no matter where your career takes you. And remember: the younger and healthier you are when you apply, the more affordable your rates will be.
Why Individual Life Insurance Matters:
✅ Portability – Your policy follows you, even if your job changes.
✅ Custom Coverage – Choose the right amount and type of coverage based on your goals—not your employer’s default option.
✅ Long-Term Stability – Lock in low premiums now and protect your insurability while you're healthy.
✅ Family-Centered Planning – Ensure your loved ones are protected with a policy built around their future—not your paycheck.
Don’t leave your future in someone else’s hands.
Talk to a Solara advisor today and explore life insurance that works for you, for life.
Premiums are affected by factors like age, location, and coverage level.
Every policy is custom tailored to you, the client. As brokers we do all the footwork and shopping for you to find a product best suited for you and your needs and ultimately customize it specifically for you.
We believe your family’s financial future deserves nothing less than excellence. Our advisors help you navigate a curated selection of elite policies tailored to your goals. With access to the most competitive rates and continuously updated options, you’ll be empowered to make confident, informed decisions—backed by carriers who are committed to your legacy.
