Welcome to a bold approach to life
Our Expertise
We don't sell life insurance. We build financial strategies powered by it.
At The F-Word Strategy, we help people protect their family's financial future—and use life insurance as a living, breathing tool to support their goals today.
We’re not a “sell it and forget it” kind of company. Life changes. So should your strategy.
That’s why we work with you—not just to find the right product, but to build a plan that grows with you, protects what matters, and empowers the life you actually want to live.
When you are ready, review the products below and learn more on a Discovery Call.
Let's build some strategies
Term Life Insurance with living benefits
Affordable Protection + Built-In Support When You Need It Most
Traditional term life provides peace of mind for your loved ones after you're gone. But what happens if you get critically, chronically, or terminally ill while you're still here?
With Living Benefits, your policy can pay out early—helping cover:
- Medical bills
- Lost income
- Household expenses
- Lifestyle adjustments
Key Features:
- Cost-effective for young families & new homeowners
- Coverage terms from 10 to 40 years
- Includes riders for terminal, chronic, and critical illness
infinite banking powered by whole life
Bank On Yourself. Literally.
With the Infinite Banking Concept, you become your own source of financing by using the cash value in a Whole Life Insurance policy.
How It Works:
- Build guaranteed cash value over time
- Borrow from your policy with no credit check
- Repay on your terms and still earn dividends
- Use it for real estate, business funding, education, or emergencies
Why It Matters:This strategy lets you grow money in a tax-advantaged way, gain control, and still protect your family with a lifelong death benefit.
Indexed Universal Life (IUL) with Living Benefits
Flexible Coverage + Market-Linked Growth Potential
Want protection and growth potential without the risk of losing your principal? IULs provide just that.
Features:
- Flexible premiums and death benefits
- Cash value growth linked to stock market index performance
- Downside protection with 0% floor
- Living Benefits for critical, chronic, and terminal illness
Who It’s Great For:
- Young professionals with growing income
- Business owners looking for flexible coverage
- Parents saving for college or retirement
Annuities for Retirement Income
Retire with Confidence, Not Guesswork
Annuities are insurance contracts that guarantee income—often for life. They can help you turn a lump sum into a steady, predictable cash flow.
Options Include:
- Fixed Annuities (steady, guaranteed income)
- Indexed Annuities (growth linked to market indexes with downside protection)
- Immediate Annuities (start income right away)
Why Consider Annuities:
- Tax-deferred growth
- Lifetime income stream
- Principal protection options
- Helps balance market risk in retirement
