Todd Bonanno - Family & Income Protection Specialist

09/03/2026

Protection with cash value potential.

What exactly is an IUL? An Indexed Universal Life policy is a type of permanent life insurance that provides a death benefit while also offering the potential to accumulate cash value over time. Interest credited to the cash-value portion can be linked to the performance of a market index, subject to the policy’s caps, floors, participation rates, fees, and other terms.

For families, that cash value can potentially become another long-term financial resource. Depending on how the policy performs and is structured, policyholders may be able to access available cash value through withdrawals or loans for future needs. It’s important to remember that an IUL isn’t a direct investment in the stock market, returns aren’t guaranteed, and loans or withdrawals can reduce the policy’s value and death benefit or cause it to lapse if not properly managed.

As we recognize the work families put into building their futures this Labor Day season, it’s a good time to think beyond today. Talk with Todd Bonanno about how an IUL works, the costs and risks involved, and whether it makes sense as part of your family’s long-term financial strategy.

08/29/2026

Today’s options may not exist tomorrow.

One doctor’s visit can change everything. When it comes to life insurance, many people assume they can always take care of it later. The reality is that changes in your health can affect your eligibility, premiums, and the types of coverage available to you.

I often remind people that we could all be one doctor’s visit away from learning something that changes our insurability. That doesn’t mean every diagnosis makes someone uninsurable, but it does mean waiting can potentially limit your options. Life insurance is generally easier to explore when you’re younger and healthier.

Don’t wait until a health change forces you to think about protection. If life insurance is part of your financial plan, understand your options while you still have choices.

08/28/2026

Love this guy!!!

08/27/2026

08/22/2026

Start building their future while they’re young.

The gift that lasts a lifetime may look different than you think. Certain permanent life insurance policies for children can provide lifelong coverage while also building cash value over time.

Depending on how the policy is structured and managed, that accumulated cash value may be accessible through withdrawals or policy loans and can offer tax advantages. Unlike traditional retirement accounts, life insurance policies also aren’t subject to the same age-based access rules or required minimum distributions. It’s important to understand that loans, withdrawals, and policy performance can affect benefits, so the right structure matters.

If you’re looking for another way to help prepare for your child’s financial future, have a conversation with Todd Bonanno about the options available and whether a policy makes sense for your family.

08/18/2026

Buying life insurance for a child isn’t only about today. It can be about protecting future options.

As parents, we spend a lot of time thinking about how to give our children the strongest possible start in life.

One option some families consider is purchasing life insurance while their children are young.

Depending on the type of policy, starting early can mean lower premiums and may provide coverage that can continue into adulthood. Certain permanent policies may also build cash value over time.

More importantly, securing coverage while a child is young and healthy can help protect their future insurability if health circumstances change later in life.

Life insurance for children isn’t the right choice for every family, and it should be considered alongside other financial priorities.

That’s why the conversation matters.

Talk with Todd about your family, your goals, and whether starting coverage early makes sense for your long-term plan.

08/08/2026

Tomorrow may be more expensive than today.

Life insurance is one of those decisions where timing can have a significant impact on both your options and your cost.

Term life insurance provides protection for a specific period of time and is generally the more affordable way to secure substantial coverage today. Permanent life insurance is designed to provide lifelong protection and may include additional financial benefits depending on the policy.

For many people, term coverage can be an effective place to start, with certain policies offering the ability to convert to permanent coverage later.
The important part is starting the conversation while age and health are working in your favor.

Protecting your future doesn't have to begin with the perfect policy. It begins with understanding your options.

08/06/2026

This one might reveal a lot about you...

Every time you laugh, you earn $100.

Every time you complain, you lose $100.

No exceptions.

After one week...

How much money do you have?

Be honest... are you making a fortune or ending the week in the red?

08/02/2026

This guy is great!