Our Team
Kevin Asberry
Lenoyf Collins, II
Dr. Mya Asberry
Financial Professional
License: 3270378
Dr. Mya Asberry
Lenoyf Collins, II
Dr. Mya Asberry
Financial Professional
License: 3243074
Lenoyf Collins, II
Lenoyf Collins, II
Lenoyf Collins, II
Financial Professional
License: 3259560
Financially Successful Habits
Understand How Money Grows
Understand How Money Grows
Understand How Money Grows
Different account types grow money in different ways:
Fixed, Variable, Indexed.
With an IUL, your money grows in a smart, structured way. Your cash value is tied to market indexes (like the S&P 500), allowing it to grow when the market performs well—without the risk of loss during downturns. It’s a balance of opportunity and protection that puts your money to work.
Never Lose Money!
Understand How Money Grows
Understand How Money Grows
Worried about market crashes? With an IUL, you don’t have to be. Your policy includes a 0% floor, meaning even if the market takes a hit, your cash value won’t decrease due to market losses. You keep what you’ve earned—safely and securely.
Avoid Double Taxation
Understand How Money Grows
Earn Compound Interest
One of the smartest tax strategies available. IUL policies are funded with after-tax dollars, so your cash value grows tax-deferred—and policy loans or withdrawals can be accessed tax-free. Plus, your beneficiaries receive the death benefit tax-free, avoiding the burden of double taxation.
Earn Compound Interest
Earn Compound Interest
Grow your wealth with the power of compound interest. An Indexed Universal Life (IUL) policy allows your cash value to grow over time based on market index performance—with no direct exposure to market losses. That means your money has the potential to accumulate steadily and securely, giving you long-term financial confidence.
Access Cash when Needed
Life is unpredictable—but your financial plan doesn’t have to be. With an IUL policy, you can access your accumulated cash value through policy loans or withdrawals for life’s big moments: buying a home, funding education, starting a business, or handling emergencies. No penalties. No rigid restrictions. Just flexible access when it matters most. .
Plan for Income Replacement
Protect your loved ones and secure their future. An IUL policy provides a tax-free death benefit to your beneficiaries, helping replace lost income and maintain financial stability after you’re gone. It’s not just life insurance—it’s peace of mind, knowing your family’s needs will be met no matter what happens.