- Serving clients since 1995
- LUTCF credentialed
- Living benefits included
- Tax-free income potential
Tax-free retirement income with IUL — built for pre-retirees.
Request a 10–15 minute strategy consultation with Troy D. Roddy, LUTCF (since 1995) about IUL for tax-free retirement income and living benefits.
Guided families through market cycles since 1995.
This is a fit if you are building retirement income, are open to a life-insurance-based strategy, and can commit roughly $300+/month.
Not a fit if you are only researching what an IUL is — use the FAQ lower on the page.
Ready when you are
Take 15 minutes to see if this fits your retirement.
Request your consultation with Troy D. Roddy, or call now — a clear, honest look at your options for tax-free retirement income, with living benefits as part of the picture.
This is not an offer to enter into an agreement. Information and programs are subject to change without notice. Indexed Universal Life insurance is not a bank product and is not FDIC insured; it involves fees and charges, and access to living benefits requires a qualifying event and is subject to policy terms. No specific rate of return, growth, or savings amount is guaranteed. Not every applicant will qualify.
Troy D. Roddy
LUTCF
Meet Troy D. Roddy, LUTCF
Serving clients since 1995, in an industry where most don't last one.
Roughly 92% of insurance professionals leave the business within their first year. Troy D. Roddy has served clients continuously since 1995 — long enough to have guided families through multiple market cycles. Among the associates at his primary carrier, he consistently ranks in the top 1%.
Troy is a fact-finder who deals in assets, not a salesperson chasing a quota. He works alongside a network of attorneys and CPAs to give you an unbiased, complete picture — and he'll tell you honestly if an IUL isn't the right fit for you.
The track record
Credibility you can verify.
We don't publish client stories without written permission. So instead of quotes you can't check, here's what you can — the record behind the advice.
Since 1995
In an industry with roughly 92% first-year turnover, Troy has served clients without interruption for three decades.
Top 1%
A consistent top-tier ranking with his primary carrier — earned over years, not a single good quarter.
Attorneys & CPAs
Troy works alongside legal and tax professionals so your strategy is reviewed from every angle, not sold from one.
Up to $750K
potential access, tax-free, in as little as 10 days for a qualifying event
Living benefits
Your policy can help while you're still living.
Life insurance isn't only for the people you leave behind. If a qualifying illness ever changes your plans, an Indexed Universal Life policy can give you access to a portion of your benefit when you need it — potential access to up to $750,000, tax-free, in as little as 10 days.
Critical illness
A qualifying event such as a major heart attack, stroke, cancer, or major organ transplant can trigger access to a portion of your benefit — money you can use for any purpose.
Chronic illness & long-term care
If you're no longer able to perform the everyday activities of daily living, your policy can help cover care — so a long-term care need doesn't have to drain your other assets.
Terminal illness
With a qualifying terminal diagnosis, you can access a larger portion of your benefit and decide for yourself how it's used.
Up to 18
qualifying illnesses may trigger a living benefit
Up to $750K
potential access, tax-free, for a qualifying event
~10 days
typical turnaround once a claim qualifies
Access and amounts depend on your policy and a qualifying event, and are subject to policy terms — not every applicant will qualify.
Why an IUL
Three ways an IUL can strengthen your retirement.
An Indexed Universal Life policy is built to do more than one job — protect the people you love, and work for you while you're living.
Potential for tax-free income
Structured correctly, an IUL can build cash value you may access as a stream of tax-free retirement income — a way to supplement Social Security and your other savings.
A floor against market loss
Your cash-value growth is linked to a market index with a 0% floor, so a down year in the market doesn't erase what you've built. You're positioned for growth potential without being fully exposed to the market's losses.
Control of your 401(k)
Still have a 401(k) with a former employer — or one with your current employer and you're over 59½? You may be able to reposition it into a strategy you control, built around tax-free income potential and living benefits.
How it works
A no-pressure conversation in three simple steps.
Book your consultation
Fill out the short form or call. Choose a time that works for you — the whole conversation takes about 10 to 15 minutes.
Review your situation
Troy listens first. You'll walk through your goals, your assets, and whether an IUL strategy fits — no jargon, no pressure.
Decide on your terms
You leave with a clear picture and no obligation. If it's a fit, Troy maps out the next steps. If it isn't, he'll tell you.
Before you book
Questions pre-retirees ask us.
Troy is a licensed, LUTCF-credentialed insurance professional — a fact-finder who deals in assets, not a salesperson chasing a quota. His role is to help you understand whether an Indexed Universal Life strategy fits your goals, working alongside attorneys and CPAs so you get an unbiased, complete picture.
Living benefits let you access a portion of your policy's benefit while you're still alive if you experience a qualifying illness — critical, chronic, or terminal. For a qualifying event, that can mean potential access to up to $750,000, tax-free, in as little as 10 days. Access and amounts depend on your policy and the event; not every applicant qualifies.
No — and you should be cautious of anyone who does. An IUL's cash-value growth is linked to a market index with a floor that protects against index losses, but no one can promise a specific rate of return. Troy deals in outcomes and options, never guarantees.
You may have more flexibility than you think. In your consultation Troy will walk through whether repositioning an old 401(k) into a strategy you control — one built around tax-free income potential and living benefits — makes sense for your situation. If you're over 59½, a 401(k) with your current employer may also be eligible to reposition through an in-service rollover, subject to your plan's rules.
It's complimentary and takes about 10 to 15 minutes. No cost, no obligation, and no pressure — just a clear, honest look at your options.
An IUL strategy generally makes sense at around $300 a month or more, and the initial commitment is for 12 months. If that's not where you are yet, the consultation can still point you in a useful direction.