Protect what matters.
Keep what's yours.
Click My Card To
Save My
Contact Info
On Your Phone!
Four Ways We Help
Watch each video to help decide what solution is right for you.
The Buy, Borrow Die Strategy
The Buy, Borrow, Die strategy is how the wealthy grow assets and access cash without ever selling — and without triggering a tax bill. As a partner of The Perfect Portfolio, created by Mark Quann, author of Be Smart, Pay Zero Taxes, I connect clients to the exact training the wealthy have used for years to build and protect wealth this way. It's not a loophole — it's how the tax code is actually written, and I'll help you find out if it fits your situation.
Indexed Universal Life
An Indexed Universal Life policy grows your cash value based on market index performance — with a built-in floor that protects you from losing money when the market drops. You can borrow against that cash value without liquidating your assets, and access it in retirement through tax-free distributions. It's life insurance and a strategic growth account working together, built for people who want the upside of the market without the risk.
Indexed Annuities
"If you've spent years building your retirement savings, an Indexed Annuity ensures the market can never take it away — your principal is protected from market loss by a contractual floor, so downturns don't reach your balance. You still participate in a portion of market growth when times are good, keeping your money working without putting it at risk. Add a guaranteed income rider, and your Indexed annuity becomes a paycheck for life — one that keeps coming regardless of how long retirement turns out to be.
Term Life Insurance
Not all term life insurance policies are created equal — and because Dave operates as an independent broker, he has the freedom to shop across dozens of carriers to find you the best rates without being tied to any single company's lineup. Every policy conversation includes a full review of rider options that most agents never bring up, such as the accelerated death benefit rider that lets you access your own policy if you're diagnosed with a serious illness, the waiver of premium rider that keeps your coverage in force if you become disabled, and the guaranteed insurability rider that locks in your ability to get more coverage at key life milestones — no new medical exam required. Term life is already the most affordable form of life insurance available — working with a broker just makes sure you get the most out of every dollar you spend on it.
FOLLOW US ON SOCIAL MEDIA
Testimonials
Ronnie
Dave is the consummate professional. From beginning to end he walked me through how to set up my accounts to protect my family and grow my wealth tax free! I highly recommend him to all my friends.
Pete
Dave helped me get the best life insurance policy on the market. He shopped all of the life insurance companies to find the best rate, then went through all the riders and options to make sure my family was protected
Jason
I was looking for a life insurance policy that also had cash value. After Dave explained how Indexed Universal Life was the best option, he walked me through how to maximize my cash value and take advantage of down markets. If you're looking for someone that knows what he's talking about, Dave is your guy!
Frequently Asked Questions
Common Questions Answered for your convenience.
What products does David George Life Agency offer?
Term Life Insurance, Indexed Universal Life (IUL), Indexed Annuities, and the Perfect Portfolio strategy course for tax-efficient wealth building.
What is the "Buy, Borrow, Die" strategy?
It's a wealth-building approach where you build cash value inside a properly structured policy, borrow against it tax-free when you need funds, and let the death benefit pass to your heirs — designed to help protect and grow your money while minimizing taxes along the way.
What is Indexed Universal Life (IUL) insurance?
IUL is permanent life insurance that builds cash value linked to a stock market index, with downside protection so your account isn't directly exposed to market losses, plus a death benefit for your beneficiaries.
How does an Indexed Annuity work?
An indexed annuity credits interest based on the performance of a market index, with principal protection built in — you get upside participation without direct market risk.
What's the difference between term life and IUL?
Term life provides pure death benefit protection for a set period at a lower cost. IUL is permanent coverage that also builds cash value you can access during your lifetime.
Do I need a medical exam to qualify?
It depends on the product, carrier, and coverage amount. Some policies offer simplified or accelerated underwriting with no exam required — we'll walk you through which options you qualify for.
Is Dave a licensed agent?
David George Life Agency is licensed and works with clients nationwide via Zoom and digital appointments. License #3001414742.
How many insurance carriers does the agency work with?
We work with 40+ carriers, which lets us shop your specific situation instead of pushing one company's product.
Can I meet with Dave in person or only online?
Appointments are conducted via Zoom/digital meetings, making it easy to get expert guidance no matter where you're located, however if you're in the middle Tennessee area, an in person meeting can be arranged.
How long does the underwriting process take?
It varies by carrier and product — simplified-issue policies can be approved in days, while fully underwritten policies with exams typically take a few weeks.
What's the minimum amount I need to get started with an IUL?
There's no universal minimum — it depends on your goals and the carrier. We'll design a funding strategy around what makes sense for your situation.
Is life insurance really a legal way to protect my money from taxes?
Yes — properly structured permanent life insurance offers tax-advantaged growth and tax-free access to cash value through policy loans, which is the foundation of the Buy, Borrow, Die strategy. This is standard tax code, not a loophole.
What happens to my cash value if I don't use the Buy Borrow Die strategy?
It still grows tax-free inside the policy and remains available to you — the strategy is one way to use it, not a requirement.
Can I borrow against my policy while I'm still alive?
Yes — that's one of the core advantages of permanent life insurance. Policy loans let you access your cash value without triggering a taxable event, as long as the policy stays in force.
What is the "Perfect Portfolio" course about?
It's an educational course that walks you through the mechanics of the Buy, Borrow, Die strategy so you understand exactly how to build and use it.
How is an indexed annuity different from investing directly in the stock market?
An indexed annuity credits interest based on index performance but protects your principal from market downturns — you trade some upside potential for downside protection.
What happens to my beneficiaries if something happens to me?
Your named beneficiaries receive the policy's death benefit, generally income-tax-free, providing financial protection when your family needs it most.
Can I convert my term policy to a permanent policy later?
Many term policies include a conversion option that lets you switch to permanent coverage without new medical underwriting — we'll confirm this feature when selecting your policy.
How much does a consultation cost?
Nothing — your initial consultation is a free, no-pressure conversation to understand your goals and see what options fit.
What makes David George Life Agency different from a big insurance company?
You work directly with Dave — no call centers, no rotating reps. One licensed advisor who knows your file and shops 40+ carriers to find what actually fits you.
