Life insurance that protects you
at every stage of life.
An Indexed Universal Life policy is one of the few financial tools designed to work in three directions at once — protecting your income, your family, and your retirement. IUL insurance is shorthand for indexed universal life insurance; policy designs and available features vary, so it helps to understand how indexed universal life insurance works before comparing options.
Request My Complimentary ReviewComplimentary review • No obligation • Personalized recommendations
Why Families Trust Generis
Complimentary Personalized IUL Review
Build a personalized IUL strategy for your family, retirement, and future.
I'll personally review your goals, budget, and current coverage to determine whether an IUL is the right fit. If another option makes more sense, I'll recommend that instead. Every recommendation is personalized to your situation, not a generic quote.
Kind Words From the Families I've Helped
Real reviews from real clients across Google and Facebook. Every family below trusted me to help protect what matters most.
One day I get a call planned on not answering the call figured it was another sales call trying to get me to buy health insurance life insurance etc. but glad I did. Kirt was not pushy at all. Especially knowing that I was with another company that was not caring at all but just wanted my money. He helped me get a policy that I could afford for my wife and I enough to bury us and not cost the kids or grandkids any worries. He and I worked together for a few months. He did not push me into buying anything till I was ready. Thanks Kirt for relieving my worries getting me a policy at my age when I’m very close to retirement and would lose my company policies. I feel a heavy weight off my shoulders. Spread the news there is a great agent in town and he wants to help get you the best policy that fits your needs and wallet. Kirt wish you could help me buy home owners insurance I know you would get me a better policy for a better price. Thanks Kirt you’re the best!!!
This Young Man has been nothing but attentive to me making sure I understand exactly what I should expect from the insurance I am signing up for... GREAT DISPOSITION... Anybody should be honored to have a insurance person as giving as Kirt...
Mr Kirt Patel treated me with kindness and got me the best deal he could on my life insurance. I am forever grateful because I don’t know a lot on this subject. He took his time and explained things and did not pressure me into buying anything. I believe that is one of the things I liked about him. I do not like being pressured. Thank you again Mr Patel.
For anyone that is considering getting life insurance, Kirt Patel is definitely the guy you want to do business with. I really just didn't want to think about dying. However, death is inevitable. I am on a very limited income and wasn't even sure I could afford enough coverage to get myself buried. I didn't want my family members having to deal with that when I passed. Kirt found a policy that I can afford and that will cover my burial costs. And made me smile and even laugh while doing it! I highly recommend giving Kirt Patel a call.
Why Families Choose IUL
One policy. Three powerful benefits.
Unlike many life insurance policies that focus on a single purpose, an Indexed Universal Life policy can help protect your family today while creating financial flexibility for the future.
Protect the people you love.
Your beneficiaries can receive an income tax-free death benefit that helps protect your family's financial future.
- Replace lost income
- Help pay off debts or a mortgage
- Cover education expenses
- Leave a financial legacy
Build long-term financial flexibility.
Part of your premium builds cash value that grows tax-deferred based on index performance, subject to policy terms.
- Tax-deferred growth potential
- Access through policy loans
- Supplement retirement income
- Maintain lifelong coverage
Protection while you're living.
Many IUL policies include accelerated death benefit riders that may provide access to a portion of your death benefit if you experience a qualifying illness.
- Chronic illness protection
- Critical illness protection
- Terminal illness protection
- Greater financial peace of mind
Why Timing Matters
The best time to start is usually earlier.
One of the biggest advantages of Indexed Universal Life isn't just the policy itself—it's giving your policy more time to work for you. This is something I explain to almost every family I meet — waiting rarely helps and sometimes costs more than people expect.
Starting Earlier
Beginning while you're younger and healthier may provide more long-term flexibility.
- May qualify for more favorable rates.
- More years to build cash value.
- More time for tax-deferred growth potential.
- Longer period of family protection.
- Health changes are less likely to affect eligibility.
Waiting Longer
Waiting isn't always the wrong decision, but it can reduce some of the advantages an IUL offers.
- Premiums may be higher.
- Fewer years for cash value accumulation.
- Health changes could affect approval or pricing.
- Less time to prepare for retirement goals.
- Family remains unprotected until coverage is in place.
Every situation is different, and no one can predict the future. During your complimentary review, we'll determine whether an Indexed Universal Life policy makes sense based on your age, health, financial goals, and long-term plans.
Is an IUL Right for You?
Like any financial strategy, Indexed Universal Life isn't the right solution for everyone.
My job isn't to sell you an IUL—it's to help you determine whether it actually fits your goals. If another type of life insurance makes more sense, I'll tell you that too.
✅ An IUL May Be a Great Fit If You...
- Want permanent life insurance that lasts your lifetime.
- Would like the opportunity to build tax-advantaged cash value over time.
- Want living benefits that may help during certain serious illnesses.
- Are planning for retirement and want another source of potential tax-advantaged income.
- Want flexibility to adjust your coverage as life changes.
❌ Another Policy May Be Better If You...
- Only need inexpensive temporary life insurance for a short period.
- Are looking for a short-term investment rather than long-term protection.
- Need the absolute lowest monthly premium possible.
- Don't want to actively fund a policy over time.
- Simply want basic life insurance without any additional features.
Every family's situation is different. During your complimentary review, I'll explain your options and recommend the solution that best fits your goals—even if it isn't an Indexed Universal Life policy.
How It Works
How an Indexed Universal Life policy actually works.
An Indexed Universal Life policy combines permanent life insurance with a cash value component tied to a market index — but with a critical difference most investments don't offer. One misconception I hear all the time is that IUL and whole life are basically the same thing. They're not, and the difference matters for what you're trying to accomplish.
Indexed to market growth — without the risk
Your cash value grows based on the performance of a stock market index like the S&P 500. When the market goes up, your account is credited with gains. When the market goes down, your account is protected by a floor — typically 0% — meaning you never lose the value you've already built due to the market.
Tax-deferred growth inside the policy
Unlike a brokerage account or 401k, the growth inside your IUL is tax-deferred. Your cash value compounds without being reduced by annual taxes on gains. Over decades, this difference is enormous.
Be your own bank — tax-free access through policy loans
This is what people mean when they talk about "infinite banking" or "being your own bank." When you're ready to access your cash value — for a business opportunity, college tuition, or retirement income — you take loans from the policy. These loans are generally not taxable income. You pay yourself back instead of a bank, and depending on how your policy is structured, your cash value can keep growing as if the loan was never taken. This tax treatment depends on the policy remaining in force — a lapsed policy with an outstanding loan can trigger a taxable event.
Increasing death benefit option
As your cash value grows, your total death benefit grows with it. Your policy becomes more valuable — not less — the longer you hold it.
Premium flexibility
Unlike whole life insurance, an IUL lets you adjust your premiums within limits as your life changes. You're not locked into a rigid payment forever — giving you flexibility if your income or priorities shift over time.
The lowest cost permanent coverage available
Term insurance is cheap but temporary — when it expires, you have nothing. Whole life is permanent but expensive. An IUL gives you permanent coverage with cash value growth at a significantly lower cost than whole life, while offering features whole life can't match.
Compare Your Options
Which policy best fits your goals?
Every type of life insurance has strengths. The right choice depends on what you're trying to accomplish. Here's a quick comparison to help you understand the differences.
👉 Swipe left to compare all coverage options
| Feature | Term Life | Whole Life | IUL |
|---|---|---|---|
| Family Protection | ✔ Included | ✔ Included | ✔ Included |
| Lowest Cost | ✔ Best Option | ✖ Highest Cost | ◐ Moderate Cost |
| Cash Value Growth | ✖ No | ✔ Guaranteed | ✔ Growth Potential |
| Retirement Protection | ✖ No | ◐ Can Help | ✔ Often Used For This |
| Market Protection | ✖ No | ✔ Stable Growth | ✔ 0% Floor |
| Living Benefits | ◐ Optional Riders | ✔ Often Included | ✔ Often Included |
| Flexible Coverage | ✖ Limited | ✖ Fixed | ✔ Most Flexible |
| Often Best For... | Families needing affordable temporary protection such as for a mortgage. | People who prioritize guarantees and predictable growth. | Families looking for lifelong protection, tax-advantaged cash value growth, and greater financial flexibility. |
Family Protection
Lowest Monthly Cost
Cash Value Growth
Retirement Protection
Market Protection
Living Benefits
Flexible Coverage
Often Best For...
Remember: the best policy isn't the one with the most features—it's the one that best fits your family's goals, budget, and long-term plans.
During your complimentary review, I'll explain the pros and cons of each option and recommend the solution that's best for you—even if it isn't an Indexed Universal Life policy.
Important to Know
Every recommendation starts with your situation, not the product.
The goal isn't to convince you an IUL is right for you. The goal is to help you understand whether it is.
IUL requires an application and health review before approval.
Unlike some basic insurance products, an IUL is a premium financial tool — and carriers want to make sure it's the right fit. Before we submit anything, I will assess your situation, explain exactly what to expect, and make sure you're going into the process with full clarity.
If you don't qualify for an IUL, that's not the end of the road. I will find you the next best alternative — whether that's a different policy structure or a whole life plan that still builds cash value and provides permanent coverage. The goal is always to find what actually works for your life.
The Key Advantage
Market upside. No negative crediting.
This is the feature that separates an IUL from nearly every other financial product on the market — and it's why high-income earners increasingly use it as a cornerstone of their financial plan.
0% Floor — You Never Lose Due to the Market
If the index drops 30% in a bad year, your cash value is credited 0% — not negative. Your principal is always protected.
Participation in Index Gains
When markets perform well, your cash value is credited a portion of those gains — up to the policy's cap rate.
Gains Lock In Annually
At the end of each crediting period, your gains are locked in permanently. Future market drops cannot take back what you've already earned.
No Market Volatility Anxiety
You don't have to watch the market daily or worry about your retirement disappearing in a correction. Your floor protects your future.
Built Around Your Goals
Your IUL is structured for what matters most to you.
There's no one-size-fits-all IUL. I structure each policy specifically around your primary objective — whether that's maximizing what you leave behind or maximizing the income you can access in retirement.
🛡️ Maximum Death Benefit
Ideal if your primary goal is leaving the largest possible tax-free inheritance for your family or business partners. The policy is structured to maximize the face amount relative to your premium.
- Higher death benefit from day one
- Still builds cash value over time
- Includes living benefits for illness
- Increasing death benefit option available
- Best for: family protection, estate planning, business buy-sell agreements
💰 Maximum Cash Value (LIRP)
Ideal if your primary goal is building tax-advantaged wealth you can access in retirement — sometimes called a Life Insurance Retirement Plan (LIRP). The policy is overfunded to maximize cash value accumulation, giving you the most money to borrow from tax-free.
- Faster cash value growth
- More money available for tax-free loans
- Supplemental retirement income stream
- Includes living benefits for illness
- Best for: retirement planning, high-income earners, maxing tax-advantaged accounts
Is This For You?
An IUL makes sense if…
You're maxing out your 401k and IRA and looking for additional tax-advantaged savings
You've heard about "being your own bank" or infinite banking and want to understand if it's right for you
You're between ages 18–65 and want to lock in permanent coverage while you're healthy
You're a business owner looking for a tax-efficient way to protect yourself or fund a buy-sell agreement
Why Families Choose Generis
Personalized guidance. Multiple insurance companies. One trusted advisor.
Buying life insurance shouldn't feel confusing or high-pressure. As an independent advisor and broker, I work for you—not the insurance company. My goal is to help you understand your options and recommend the policy that best fits your family's goals.
If You Ever Need to File a Claim
I personally guide your family through the claims process so they're not left navigating it alone during a difficult time.
Policy Reviews Over Time
Life changes. I check in as your situation evolves to make sure your coverage still fits your goals.
Beneficiary Updates, Handled Personally
Marriage, kids, major life changes — I make sure your beneficiaries always reflect your current wishes.
A-Rated Insurance Companies
I partner with financially strong carriers that have a long history of paying claims and protecting families.
Straightforward, No-Jargon Guidance
I'll always explain things in plain language and tell you exactly where things stand — no confusing fine print you have to decode alone.
Personally Licensed in 9 States
Families across nine states trust Generis Organization for honest guidance and long-term protection.
The Process
Simple. Personalized. No pressure.
Getting an IUL structured correctly takes a real conversation — not a one-size-fits-all quote. Here's exactly what happens when you reach out.
You Request a Complimentary Review
Fill out the form. Tell me your goals — death benefit, wealth building, retirement income, or all three. Takes less than 2 minutes to complete.
I Design Your Illustration
I shop Transamerica, American Amicable, and F&G to build a personalized illustration tailored to your age, budget, and goals — showing you exactly how the policy performs over time with realistic numbers.
You Make an Informed Decision
No pressure. I walk you through every number clearly and honestly. If you want to move forward, I submit your application. If not, there's zero obligation.
Learn More Before You Decide
Explore Our Indexed Universal Life Insurance Guides
Want to understand your options before requesting a personalized review? Browse our educational guides covering how Indexed Universal Life Insurance works, the pros and cons of indexed universal life, IUL vs. whole life insurance, and how IUL policy loans work.
IUL Fees and Policy Charges
Learn about cost of insurance, premium loads, administrative fees, rider charges, and how policy charges can affect cash value over time.
Common Questions
Answers before you reach out
Meet Kirt Patel
Helping Families Protect What Matters Most
Founder of Generis Organization • Independent Life Insurance Advisor
I believe life insurance should never feel confusing or high-pressure. My job is to help you understand your options, answer your questions honestly, and recommend coverage that fits your family's goals—not someone else's sales target.
As an independent advisor and broker, I compare multiple highly rated insurance companies so you're not limited to one carrier's products. Every recommendation is personalized to your goals, health, budget, and your family's needs.
My relationship with clients doesn't end once a policy is issued. Whether you need to review your coverage years later, update beneficiaries after a life change, or your family ever needs help filing a claim, I'll be here to guide you every step of the way.
My goal is simple: to give every individual and family confidence that the people they love—and the life they've worked so hard for—are protected.
Compare Coverage From Trusted Insurance Companies
Transparency & Licensing
Personally Licensed Across 9 States
Every license below can be viewed in full because I believe transparency builds trust. These are the nine states where I am personally licensed. If you live elsewhere, you are still welcome to request help, and Generis Organization may be able to connect you with a trusted advisor licensed in your state.
Don't see your state?
You're still welcome to request a review. If I'm not personally licensed where you live, Generis Organization may be able to connect you with a trusted licensed advisor who is.
Personalized IUL Review
Let's tailor your IUL to you and your family.
A few quick questions so I can prepare real recommendations before we talk. Takes less than 2 minutes to complete.
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Personalized illustration · No pressure