Life Insurance & IUL Advisor in Troy, MI
CentraLife advisors serve Troy families from our Dearborn, MI headquarters — max-funded IUL, mortgage protection, final expense, and estate strategies. In person or by phone.
I already max my 401(k) and backdoor Roth — what does an IUL add for a Troy professional?
A third tax bucket with no contribution ceiling. The 401(k) is taxed later, the Roth is capped and income-restricted, and a max-funded IUL adds tax-advantaged accumulation with lifetime access through policy loans, no required minimum distributions, and a death benefit riding along. High earners typically fund it with the dollars above the qualified-plan limits.
How do RSUs and bonuses fit into a CentraLife plan?
Irregular compensation is actually ideal for policy funding — lump-sum premiums can be scheduled against vesting dates and bonus cycles, funding the policy to the MEC line efficiently without touching monthly cash flow.
Do you coordinate with my existing financial advisor or CPA?
Yes, and we prefer it. CentraLife designs the insurance layer; your CPA and investment advisor keep their lanes. The plans that work best are the ones where all three coordinate.