Licensed life insurance brokers offering Curtis Ray's Maximum Premium Indexing (MPI™) system — a specific way of structuring Indexed Universal Life policies. We focus on this product because we believe in the structure. Appointed with Mutual of Omaha.
An IUL is a permanent life insurance policy whose cash value can grow based on the performance of a market index, subject to caps, floors, and participation rates set by the insurance carrier. The death benefit is permanent. The cash value grows tax-deferred under current law.
Maximum Premium Indexing is a methodology developed by Curtis Ray (SunCorp Wealth) for structuring IUL policies to maximize cash value accumulation rather than death benefit. It uses a specific premium-and-loan design, applied within an IUL product issued by a carrier.
We chose to specialize rather than carry every product on the shelf. MPI™ is the structure we know deeply, and the one we believe rewards depth over breadth. Specializing means we can underwrite carefully, illustrate accurately, and answer hard questions without guessing.
No life insurance product guarantees market returns. Caps, floors, participation rates, and policy charges all affect outcomes. We don't quote yields, we don't compare to securities, and we don't make tax claims. We illustrate a carrier-issued projection, walk you through it, and let you decide. Done & Done.
Licensed life insurance brokers, authorized to underwrite and place IUL policies. Both principal advisors are state-licensed and continue meeting CE requirements per their resident state.
Currently appointed with Mutual of Omaha. We work with carrier-issued products and policy illustrations — never off-the-cuff projections. Additional carriers as we expand.
We practice the Maximum Premium Indexing methodology developed by Curtis Ray. We have direct working knowledge of the structure and apply it within carrier-approved IUL policies.
30-minute conversation about your goals, time horizon, and current financial picture. No fee, no commitment, no pitch.
If MPI™ could fit, we run a carrier-issued IUL illustration tailored to your situation. We walk you through every line — caps, floors, charges, projections.
Standard life insurance underwriting: medical questionnaire, possible exam, financial review. Carrier issues a final offer based on the underwriting class.
Review and sign final policy documents. Carrier issues the policy. We stay involved for the life of the contract — not a one-and-done sale.
A 30-minute consultation will tell us whether MPI™ makes sense for your goals — and walk through a real carrier illustration if it does.
Schedule Consultation →This tool is not a quote, projection, illustration, or recommendation. It does not estimate cash value, returns, death benefit, or any policy outcome. Indexed Universal Life policies involve fees, charges, caps, floors, and participation rates set by the issuing carrier — actual results vary based on the specific policy, the carrier's index crediting strategy, and the policyholder's contribution behavior over time.
No life insurance product guarantees market returns. Cash value access via policy loans reduces the death benefit and may have tax consequences if the policy lapses or is surrendered. We do not provide tax, legal, or investment advice. Consult your own tax advisor and attorney before purchasing a life insurance policy.
Leverage Insurance is a brand operated by licensed life insurance producers. We are not affiliated with any securities broker-dealer or registered investment advisor. We are appointed with Mutual of Omaha and may add additional carriers over time. The MPI™ methodology is developed by Curtis Ray / SunCorp Wealth; we apply it as licensed practitioners. Policies are issued solely by the carriers, subject to underwriting and applicable state law.
30-minute consultation. No fee, no commitment, no pitch. We'll talk about your goals and tell you honestly whether MPI™ could fit. If not, we'll say so.