Guided families through market cycles since 1995.
Retirement Income That Lasts a Lifetime
An Indexed Universal Life strategy can provide potential tax-advantaged retirement income, protection from market downturns, and living benefits for qualifying illnesses. Schedule a complimentary 10–15 minute review with Troy D. Roddy.
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Since 1995 Of Continuous, Award-Winning Service -
Top 1% Ranking With His Primary Carrier -
LUTCF Credentialed Insurance Professional -
Up to $750K Potential Living Benefits For a Qualifying Event
Prefer to Watch?
Troy Walks Through It in Six Minutes
A short overview of the strategy this site explains, recorded by Troy D. Roddy, LUTCF. Nothing to fill in and no sign-up — press play.
- What a one-to-three percent annual fee compounds to over the life of an account
- What the age-59½ rules mean for reaching your own savings early
- How an independent advisor’s options differ from a captive one’s
Living benefits
Your Policy Can Help While You're Still Living.
Life insurance isn't only for the people you leave behind. If a qualifying illness ever changes your plans, an Indexed Universal Life policy may give you access to a portion of your benefit when you need it — potential access to up to $750,000 for a qualifying event, subject to policy terms. Any benefits received generally reduce the remaining death benefit available to beneficiaries.
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Critical illness
A qualifying event such as a major heart attack, stroke, cancer, or major organ transplant may trigger access to a portion of your benefit — money you may use for any purpose.
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Chronic illness & long-term care
If you're no longer able to perform the everyday activities of daily living, your policy may help cover care — so a long-term care need doesn't have to drain your other assets.
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Terminal illness
With a qualifying terminal diagnosis, you may be able to access a larger portion of your benefit and decide for yourself how it's used.
Up to $750K
Potential access for a qualifying event, subject to policy terms
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While living
Benefits you may be able to access without a death claim
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Any purpose
How benefit proceeds may be used once a claim qualifies
Access and amounts depend on your policy and a qualifying event, and are subject to policy terms — not every applicant will qualify.
Explore living benefits in detailWhy an IUL
Three Ways an IUL Can Strengthen Your Retirement.
An Indexed Universal Life policy is built to do more than one job — protect the people you love, and work for you while you're living.
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Potential for tax-advantaged income
Cash value may be accessible through policy loans or withdrawals to help supplement Social Security and your other savings, subject to the contract terms. Withdrawals may have tax implications, tax laws may change, and no specific tax outcome is guaranteed.
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A floor against
market lossMany IUL policies include a floor that limits how much index performance can reduce credited interest. Fees and charges still apply, and no growth is guaranteed.
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Clarity on your
401(k)A 401(k) cannot be directly rolled into an Indexed Universal Life insurance policy. Your age, employment status, retirement goals, plan rules, and financial circumstances all influence your available options.
Understand your 401(k) options
Serving clients since 1995
Meet Troy D. Roddy, LUTCF
Roughly 92% of insurance professionals leave the business within their first year. Troy D. Roddy has served clients continuously since 1995 — long enough to have guided families through multiple market cycles. Among the associates at his primary carrier, he consistently ranks in the top 1%.
Troy is a fact-finder who deals in assets, not a salesperson chasing a quota. He works alongside a network of attorneys and CPAs to give you an unbiased, complete picture — and he'll tell you honestly if an IUL isn't the right fit for you.
- Award-winning service since 1995
- Top 1% at his primary carrier
- LUTCF credentialed professional
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Backed by attorneys & CPAs
How it works
A No-Pressure Conversation in Three Simple Steps.
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Book Your Consultation
Fill out the short survey or call. If it looks like a fit, you'll choose a time — the whole conversation takes about 10 to 15 minutes.
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Review Your Situation
Troy listens first. You'll walk through your goals, your assets, and whether an IUL strategy fits — no jargon, no pressure.
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Decide on Your Terms
You leave with a clear picture and no obligation. If it's a fit, Troy maps out the next steps. If it isn't, he'll tell you.
The track record
Credibility You
Can Verify.
We don't publish client stories without written permission. So instead of quotes you can't check, here's what you can — the record behind the advice.
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Since 1995
Continuous, Award-Winning Service
In an industry with roughly 92% first-year turnover, Troy has served clients without interruption for three decades.
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Top 1%
Ranking With His Primary Carrier
A consistent top-tier ranking with his primary carrier — earned over years, not a single good quarter.
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Attorneys & CPAs
An Unbiased, Complete Picture
Troy works alongside legal and tax professionals so your strategy is reviewed from every angle, not sold from one.
FAQs
Frequently Asked Questions
What kind of professional is Troy?
Troy is a licensed, LUTCF-credentialed insurance professional — a fact-finder who deals in assets, not a salesperson chasing a quota. His role is to help you understand whether an Indexed Universal Life strategy fits your goals, working alongside attorneys and CPAs so you get an unbiased, complete picture.
Will you promise me a specific rate of return?
No. No specific rate of return, growth, income or savings amount is guaranteed, and anyone promising you one is worth walking away from. What a contract does guarantee is written in the contract, and reading that with you is part of the job.
How long is the consultation, and is there any cost?
Complimentary 10–15 minute consultation. No pressure, no obligation. It is a conversation about what you are trying to protect, not a presentation.
Take 10–15 minutes to see if this fits your retirement.
Book your complimentary consultation with Troy D. Roddy, or call now. No pressure, no obligation — just a clear, honest look at your options for potential tax-advantaged income and living benefits.
This is not an offer to enter into an agreement. Information and programs are subject to change without notice. Indexed Universal Life insurance is not a bank product and is not FDIC insured; it involves fees and charges, and access to living benefits requires a qualifying event and is subject to policy terms. No specific rate of return, growth, or savings amount is guaranteed. Not every applicant will qualify. Product availability and eligibility vary by state, carrier, policy terms, and individual circumstances.