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life insurance (4435) iul (47) index universal life (8) iuls (2)

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We teach and help people maximize advanced life insurance concepts!

Welcome to Circle Financial, where our mission is to help our clients achieve financial freedom and preserve and build wealth for future generations. We offer a range of life insurance products and services such as Index Universal Life Insurance (IUL), living benefits, term insurance whole life and annuities. We also assist our clients in implementing financial strategies like "be your own banker" and "infinite banking" to meet the diverse needs of our clients.

Be your own banker life insurance, also known as the "bank on yourself" strategy, involves using a permanent life insurance policy, such as IUL, as a source of tax-advantaged financing for personal and business expenses. By borrowing against the cash value of the policy, policyholders can potentially access funds at a lower cost than traditional loans and without the need for credit checks or collateral. This strategy can be especially useful for small business owners and entrepreneurs who may have difficul