Every 1035 Exchange.
Every
Direct 401(k) Rollover.
All Handled By VFC.
Tax-Free · Penalty-Free · Done Right
VFC handles two distinct tax-free transfer mechanisms for our clients — both designed to upgrade outdated, underperforming insurance and retirement contracts into modern ones without triggering a tax bill. 1035 exchangesmove like-for-like contracts (life-to-life, annuity-to-annuity, LTC-to-LTC) tax-free under IRC §1035.
Direct Rolloversmove 401(k), IRA, and Roth balances into modern Annuity and IUL-based retirement plans, tax-free, with no mandatory withholding and no early-withdrawal penalty. Same goal, different IRS sections, same result— the client’s money keeps compounding 100% Tax Freeinside a materially better contract.
Very Few Firms In America
We Plan. We Design. We Administer. We Maintain. All Under One Roof.
VFC is one of the only firms in Americathat offers allof the high-end corporate bonus and benefit packages and 401(k) alternative plans under a single coordinated practice. 1035 exchanges sit at the intersection of insurance optimization, tax planning, and estate strategy— we do all three. Most agents don’t know how to execute a clean 1035 exchange. Most CPAs don’t know the strategy exists. We do both.
Nearly Every Wealthy American Rolls Their 401(k) And IRA Into A Private Life Insurance Retirement Plan Before They Retire.Here’s Why.
Hit By Probate. Hit By Taxes.
Bypass Probate. Transfer Tax-Free.
Annuities · IUL · Whole Life · Permanent Life · Term
This is exactly why VFC builds estate-planning architecture around the Valentine IULand complementary life insurance products — for the massive estate-planning tax benefits that traditional retirement accounts simply cannot deliver.
Tax-Free. Penalty-Free. No Withholding. Done Right.
The IRS gives you one tax-free move per policy. Most clients never use it. VFC uses it for every type of contract a client owns.
A 1035 exchange — named after Internal Revenue Code Section 1035 — allows the owner of a life insurance policy, an annuity contract, or a long-term care policy to exchange that contract for a new one of like kind without triggering income tax on any gain that has built up inside the original contract.
This is not a refinancing. It is not a withdrawal and reinvestment. It is a specific, IRS-blessed procedure that treats the new contract as a direct continuation of the old one for tax purposes. The cost basis transfers. Any embedded gain stays deferred. No taxable event is created.
Why this matters:insurance and annuity contracts purchased 10, 15, or 20 years ago are almost always inferior to what the market produces today. Older variable annuities carry M&E and rider fees of 2–3% annually; modern fixed and indexed annuitiesfrom top-rated carriers charge 0.4% or less. Older universal life policies credit cash value at 1.5–3%; modern indexed universal life (IUL)policies offer materially stronger long-term economics with downside protection built in. Older long-term care policies are on rate-increase trajectories nobody warned the original purchasers about; modern hybrid life/LTC products carry no rate-increase risk.
The 1035 exchange is the mechanism that lets clients capture all of those improvements without paying tax on the embedded gainin the original contract. For clients with old contracts holding $100K, $500K, or $2M+ of accumulated value, the avoided tax bill alone can be in the tens or hundreds of thousands.
Tax-free, by statute. No private letter ruling required.
The 1035 exchange is not a planning trick, not a gray area, not a strategy the IRS might challenge. It is a clear, written statutory provisionthat has been on the books since 1954 and refined by Treasury regulations for decades.
When properly executed as a direct carrier-to-carrier transfer— the funds never touch the policyholder’s hands — the exchange is automatically tax-free under §1035. The new carrier accepts the transfer. The IRS receives proper Form 1099-R reporting. The basis transfers. The gain stays deferred.
The strategy is invisible until someone tells you about it — and most agents, advisors, and even CPAs never do.
We 1035 Every Type Of Contract. We Specialize In Where The Money Goes Next.
Internal Revenue Code §1035 is one of the most powerful and least-understood tools in the tax code for clients who own life insurance, annuities, or long-term care contracts purchased more than five or ten years ago. It allows the tax-free exchange of an existing policy for a new, materially better one— preserving the original cost basis, deferring all gain, and avoiding the immediate income recognition that would normally come from selling the old contract. VFC 1035-exchanges every type of insurance and annuity contract our clients own, with a firm specialty on the back end in indexed universal life insurance, fixed annuities, and fixed indexed annuities— the strategies that consistently produce the strongest long-term outcomes for our clients.
Indexed products win on the math that matters most: downside protection.The years that destroy compounding are the loss years, and indexed contracts carry a contractual floor that protects against them — while still participating in the upside years through index-linked crediting. That asymmetric architecture is what produces the long-term results we’re known for.
The Single most common 1035 we execute is the textbook one: variable Annuity into an Indexed Annuity.Same tax-deferred treatment. Dramatically lower fees. Downside protectionwhere the client previously had full market exposure. Upside potential to capture large gains.Frequently better income-rider economics. The exchange is tax-free, the upgrade is real, and the client’s long-term position is materially stronger.
Indexed Universal Life (IUL)
Fixed Annuities
Fixed Indexed Annuities
Internal Revenue Code §1035(a) — Tax-Free Exchanges Of Insurance Policies
(1)
(2)
(3)
(4)
Life Insurance → Life Insurance
Life Insurance → Annuity
Life Insurance → Long-Term Care (LTC)
Annuity → Annuity
Annuity → Long-Term Care (LTC)
Endowment → Endowment
Endowment → Annuity / LTC
Inside those parameters, the exchange is unconditionally tax-free as long as the transfer is executed properly. The execution is where most engagements fail — not the strategy.
The 1035 Exchange Process, Step By Step.
Here is the exact sequence VFC walks every 1035 exchange engagement through — from initial policy review to a completed, fully-documented tax-free exchange.
Pull And Review The Existing Contract
The first step is always the same: get the current in-force illustration from the issuing carrier. The illustration shows actual current performance versus the original sales illustration, the current cost basis, the current cash value, surrender charges (if any), and the rider structure. This is where we determine whether the existing contract is genuinely underperforming — or whether it’s actually still competitive and should be kept.
Benchmark The Replacement Market
For each candidate replacement contract, Allaso Consulting’s carrier desk produces side-by-side quotes from multiple A++ rated carriers. The benchmarking compares everything that matters: current crediting rates, internal fees, rider availability, death benefit guarantees, surrender charge schedules, carrier financial strength. A 1035 exchange is only worth executing if the new contract is meaningfully better than the old one.
Model The Net Long-Term Outcome
The exchange itself is tax-free, but the analysis can’t stop there. We model the projected 10, 15, and 20-year performance of the existing contract vs the proposed replacement — net of any new surrender charge schedule on the new contract, net of any partial surrender fees on the old one, and net of all fees on both sides. The new contract has to win on a net-of-everything basis or we don’t recommend the exchange.
Underwrite The New Contract
The new carrier underwrites the policyholder. For life insurance, this means medical exams, medical records review, and ratings determination. For annuities and LTC, underwriting is generally simpler. This is the step that prevents most clients from executing the exchange on their own — underwriting can decline coverage or rate it higher than the existing contract, in which case the exchange may not be worth executing.The replacement contract has to clear underwriting at favorable terms before we proceed.
Execute As A Direct Carrier-To-Carrier Transfer
The exchange must be executed as a direct transfer from the old carrier to the new carrier— the funds cannot touch the policyholder’s hands. We file the Section 1035 exchange forms with both carriers, the old carrier sends the surrender proceeds directly to the new carrier, the new contract is issued, the old contract is terminated. Proper 1099-R reporting (with code 6 for the 1035 exchange) is filed automatically by both carriers.Improperly executed exchanges where money briefly touches the policyholder lose §1035 status and become fully taxable — this is why DIY exchanges fail.
1035 Exchanges Move Insurance Contracts. Direct Rollovers Move Your Retirement Accounts. VFC Handles Both.
Section 1035 of the tax code only governs like-for-likeexchanges of insurance contracts — life-to-life, annuity-to-annuity, LTC-to-LTC. It does not cover the rollover of qualified retirement accounts.For 401(k), IRA, and Roth balances, the tax-free transfer mechanism is a Direct Rollover— a different IRS procedure that produces the same tax-free, penalty-free, no-withholding result, executed through carrier-to-carrier transfer.
To roll your 401(k) into an annuity product, you execute a direct rollover into an IRA annuity. The process is tax-free, bypasses the mandatory 20% federal withholding, and avoids any early-withdrawal penalty — as long as the funds move directly between financial institutions and never touch your hands.The same procedure applies for moving an IRA or Roth balance into an annuity or properly-designed permanent life insurance retirement plan.
The mechanism in plain language: the annuity or life insurance company requests a direct transfer of funds from your old 401(k) custodian to the new contract. Tax deferral is preserved throughout the transfer. The client signs the paperwork; the financial institutions move the money. The client never has to touch the funds — which is exactly how we keep the rollover tax-free.
401(k) → IRA Annuity
Direct rollover of your old employer 401(k) into a modern annuity contract held inside an IRA. Tax-deferral preserved. No withholding. No penalty.
Traditional IRA → IRA Annuity
Direct transfer of an existing IRA balance into an annuity contract held inside the same IRA wrapper. Same tax-deferral. Same beneficiary continuity.
Roth IRA → Roth Annuity
Direct transfer of Roth balances into a Roth-eligible annuity contract. Tax-free growth continues. Future distributions stay tax-free.
Rolling a 401(k) or IRA into a fixed or indexed annuity converts your balance into a contract with an insurance company. In exchange, the insurer guarantees you a monthly income payment for life— the kind of contractual income guarantee no traditional 401(k) or brokerage account can deliver.
The Numbers That Show Exactly WhyClients Move.
Both engagements below follow the same playbook: take an outdated, underperforming contract, transfer it tax-free into a modern policy with better interest crediting, lower fees, cheaper rider costs, and stronger income guarantees — then show the client exactly what their account looks like 10 to 15 years later. This is the work we do every single day.
Variable Annuity → Fixed Indexed Annuity, Tax-Free.
A real VFC engagement — a 62-year-old client’s outdated non-qualified variable annuity exchanged tax-free into a modern fixed indexed annuity. Average crediting: 9.5% per year over 10 years.At age 72 the client annuitized the contract for guaranteed lifetime income through age 90.
62-Year-Old Client. Variable Annuity From 2009 Replaced By A Modern Fixed Indexed Annuity. Then Annuitized For Lifetime Income At Age 72.
Client: 62-year-old retiree holding a non-qualified variable annuity purchased in 2009. Original purchase: $200,000. Current value: $284,000 ($84K of embedded gain). Surrender charges expired in 2018. Annual all-in fees: 2.85% — M&E charges, GMIB rider fees, and sub-account expense ratios — plus full market downside exposure inside the contract. VFC engineered a 1035 exchange into a modern fixed indexed annuity: index-linked crediting potential, contractual 0% floor protecting against loss, dramatically lower fees, and a built-in lifetime income rider designed to be annuitized at age 72. The textbook VFC 1035 exchange.
2009 Variable Annuity
Tax-Free
2024 Fixed Indexed Annuity
$702,400
Annual Lifetime Payout, Age 72 Through Age 90 (And Beyond)
What made this engagement work:The original surrender charge schedule had fully expired, leaving zero penalty on exit. The $84K of embedded gain stayed fully tax-deferred under §1035 because the transfer went carrier-to-carrier — the client never received the funds personally. Over the next 10 years, the new fixed indexed annuity credited an average of 9.5% per yearwith zero loss yearsthanks to the contractual 0% floor — growing the contract from $284,000 to $702,400. At age 72 the client annuitized through the built-in lifetime income rider for $56,192/year guaranteed for life, with roughly $14,300 of each annual payment treated as tax-free return of cost basis via the exclusion ratio. By age 90, the client will have received over $1 million in guaranteed lifetime income from a contract that started at $284,000.
Old 401(k) → IRA Fixed Indexed Annuity. +10% Bonus On Day One.
A 58-year-old business owner’s dormant prior-employer 401(k) directly rolled into a modern IRA-held fixed indexed annuity. 10% premium bonus credited day one.Average crediting: 8.8% per year over 15 years.Lifetime income withdrawals begin at year 15.
58-Year-Old Business Owner. Prior-Employer 401(k) Rolled Into IRA Annuity. $42,500 Added Day One. $1.65 Million At Year 15.
Client: 58-year-old business owner with a dormant 401(k) from a former employer, sitting in default target-date funds since they changed jobs eight years ago. Current balance: $425,000. All-in fees: ~0.95% (fund expense plus plan recordkeeping). No downside protection. No income guarantee. Just market exposure with no retirement income plan.The replacement: a modern fixed indexed annuity held inside a new IRA, with a lifetime income withdrawal rider and a 10% premium bonus credited on the full rollover balance the day the contract was issued.
Dormant Prior-Employer 401(k)
Rollover
2024 IRA Fixed Indexed Annuity
$1,653,600
Two Ways To Access The $1.65 Million Account, Age 73 Onward
What made this engagement work:The old 401(k) belonged to a former employer, so distribution restrictions had lifted. The transfer was executed as a direct trustee-to-trustee rollover— the new IRA custodian requested the funds from the old 401(k) administrator and received them carrier-to-carrier. The client never touched the money.Tax-deferral was preserved, no 20% federal withholding was triggered, no early-withdrawal penalty applied, and the 10% premium bonus credited $42,500 to the new annuity on day one of issue.Over the next 15 years, the contract averaged 8.8% per year with zero loss yearsthanks to the contractual 0% floor — growing from $467,500 to $1,653,600. At age 73 the client began drawing $107,484/year through the lifetime withdrawal rider, with the underlying balance still in the contract and continuing to compound. Across 17 years of withdrawals through age 90, the client will receive over $1.8 million in lifetime income from a $425,000 starting balance — with downside protection the entire way.
Old Annuity Contracts Are Almost Always Outdated. Modern Replacements Pay You To Move.
Annuity products written 10, 15, or 20 years ago were designed for a different interest-rate environment, a different actuarial table, and a different generation of riders. Anyone holding one of those older contracts is almost certainly leaving money on the table— sometimes a great deal of money.
The most striking part of modernizing an old annuity: many of today’s top-rated carriers offer a premium bonuson the rollover balance — commonly 7% to 10% or more — credited directly to the new contract on day one. You walk into the new policy with more money than you walked out of the old one with.
What gets upgraded with a new contract: better crediting rate terms, better payout terms, better income riders, better long-term care riders, modern enhanced death benefit features, and fully updated beneficiary and estate documentation. Everything that was state-of-the-art twenty years ago has been materially improved since.
VFC’s offer is simple: free review.Send us your old annuity statement, your old IRA statement, your old 401(k) summary, your old life insurance policy — whatever you have. We pull the in-force illustration, we benchmark against the modern market, and we show you exactly what a properly designed replacement would look like. If your existing contract is genuinely still competitive, we tell you so and recommend keeping it. If it isn’t, we show you the math on the upgrade.
Premium Bonus Credited At Day One
Many modern annuity contracts offer a 7–10%+ premium bonuson the rollover balance — credited directly to the new contract the moment it’s issued. A $500,000 rollover becomes a $550,000 contract on day one.
The bonus is offered because carriers compete aggressively for rollover dollars. VFC + Allaso Consulting know which carriers are paying it, when, and on which products.
The 401(k) Is Antiquated. The Modern Entrepreneur Needs Something Built For The Way Wealth Actually Compounds.
VFC offers a free, side-by-side comparisonof your current 401(k) plan against the Valentine IUL Plan— a properly designed indexed universal life insurance retirement structure built specifically for high-net-worth business owners and entrepreneurs who have outgrown the traditional 401(k).
Why we offer the comparison: most 401(k) plans are not viable retirement vehicles for the modern entrepreneur.Contribution caps are too low. Investment options are limited. Tax treatment is suboptimal for high earners. Distributions are fully taxable in retirement. Early access is penalized. Required Minimum Distributions force you to draw down on the IRS’s schedule, not yours. The architecture was built in 1978 for the kind of working career nobody actually has anymore.
The Valentine IUL Plan addresses all of it: no contribution caps, market-linked upside with contractual downside protection, tax-free retirement income through policy loans, no RMDs, full access to cash value at any age, and a permanent death benefit that passes tax-free to your family.See the full breakdown on our .
What The Comparison Shows.
See Exactly How Much Money Your Outdated Traditional Retirement PlansAre Actually Costing You.
Every old annuity, 401(k), IRA, Roth, and life insurance policy you own can be reviewed for free by VFC and our exclusive insurance partner Allaso Consulting— against the modern market, against the best top-tier carrier products, and against the new design features that simply didn’t exist when most of these contracts were issued.
The review tells you exactly what your existing contracts are earning, exactly what they’re costing in fees and rider charges, and exactly what the upgrade math looks like — better interest crediting, lower internal costs, downside protection, lifetime income guarantees, day-one rollover bonuses, modernized estate documentation. Every consultation includes a written side-by-side comparison so you can see the numbers before any decision is made.
This is the work we do every single day — we take outdated annuities, dormant 401(k)s, old IRAs, old Roth accounts, and underperforming life insurance contracts, and we move them tax-free into modern, fully-tailored, properly-designedretirement and insurance vehicles that match your current age, your investment goals, and your actual retirement income needs. The transfer keeps every dollar of tax deferral intact. The upgrade boosts the policy value, modernizes every feature, and gives you a contract built for the next phase of your financial life — not the phase of life you were in when the old one was sold to you.
The VFC + Allaso Free Review.
Four Categories Of Contracts Where 1035 Exchanges Almost Always Win.
These are the four most common policy types we encounter in client portfolios where a 1035 exchange delivers materially better outcomes. If you own any of the four below, an exchange analysis is worth running.
Variable Annuities → Fixed Indexed Annuities
The single most common 1035 opportunity, and the signature VFC exchange. Variable annuities sold in the 2000s and early 2010s typically carry 2–3% in M&E and rider fees and expose the client’s account value directly to market loss. Once the original surrender charge schedule has expired, there’s nothing holding the client in the old contract.
VFC routinely exchanges these into modern fixed indexed annuitieswith the same or better income guarantees, the same beneficiary designations, the same tax-deferred status, dramatically lower fees, and a contractual floor that eliminates market downside — all without triggering tax on the accumulated gain.The fee savings alone compounded over a remaining lifetime frequently exceed $100K; the downside protection is what protects the compounding in the first place.
Underperforming Whole Life & Universal Life → Indexed Universal Life
Permanent life insurance sold in the 1990s and 2000s frequently carries crediting rates of 1.5–3% — the result of declining interest-rate environments and aggressive original sales illustrations that never panned out. The death benefit is still in force, but the cash value is barely growing.
Modern indexed universal life (IUL) is VFC’s firm specialtyand consistently delivers materially better long-term economics than older universal life contracts. IUL provides index-linked crediting potential with a contractual floor that protects against market downside — an architecture that simply did not exist when most of these older policies were sold. A 1035 exchange preserves the cost basis, maintains continuous death benefit coverage, and resets the policy onto a competitive crediting trajectory— without the policyholder owing tax on any embedded gain in the old contract.
Indexed Annuities With Crushed Cap Rates
Indexed annuities sold before 2018 typically had attractive index-participation cap rates at issue — often 8–12%. Carriers have systematically reduced those caps over subsequent years, in many cases down to 2–4%. The contract is still earning, but at a fraction of what the client expected and was sold.
Newer indexed annuity products from competing carriers frequently offer cap rates 2–4 percentage points higher, with more favorable index options and lower fees. A 1035 exchange captures the better cap structure without surrendering the tax-deferred status.
Traditional LTC Policies (Pre-2015)
Standalone long-term care policies purchased before 2015 are notorious for repeated rate increases. Most carriers have raised premiums 40–80%+ over the policy’s life, with further increases likely. The original purchasers were generally not warned about the rate-increase trajectory.
Modern hybrid life/LTC productseliminate the rate-increase risk by combining permanent life insurance with LTC benefits inside a single contract. A 1035 exchange from a traditional LTC policy into a hybrid product can be funded with the existing policy’s cash value or surrender value— often with zero out-of-pocket cost — and eliminates the rate-increase exposure permanently.
What A 1035 Exchange Actually Delivers.
For the policyholder considering an exchange, and for the family or business that ultimately receives the contract’s proceeds, the upgrade is meaningful and durable.
For The PolicyholderWhat You Get
Tax-Free Upgrade
Lower Annual Fees
Better Performance Potential
Preserved Cost Basis
No Coverage Interruption
Updated Beneficiaries & Ownership
For The Family / BusinessWhat They Receive
More Death Benefit For The Same Premium
Tax-Free Proceeds Under §101
Stronger Carrier Behind The Promise
Eliminated Rate-Increase Risk (LTC)
Lower Lifetime Costs On Annuities
Cleaner Estate Administration
1035 Exchanges Are The Tune-Up For Every Other Strategy.
The Valentine IUL Plan
The modern entrepreneur’s alternative to the antiquated 401(k) — the destination for most direct rollovers.
COLI · SERP · Key PersonRefresh Old Executive Coverage
Older COLI and key person policies frequently underperform — 1035 exchanges restore them.
Buy-SellModernize Buy-Sell Funding
If your existing buy-sell-funded policy is decades old, an exchange may unlock better economics.
Premium FinancingRestructure Financed Policies
Underperforming premium-financed policies can sometimes be exchanged to improve overall economics.
1035 Exchanges — Questions Clients Ask First.
What’s the difference between a 1035 exchange and a direct rollover?
Both move money tax-free from one tax-advantaged contract to another. The mechanics are different.A 1035 exchange (under IRC §1035) moves like-for-like insurance contracts— life insurance to life insurance, annuity to annuity, LTC to LTC. A direct rollover moves qualified retirement account balances— 401(k), IRA, or Roth — into a new contract (often an IRA-held annuity or properly designed life insurance retirement plan). Different IRS section. Same tax-free outcome. VFC handles both.
Why does the money never touch my account on a direct rollover?
Because the moment the funds hit a bank account titled to you personally, the IRS treats it as a distribution — triggering immediate taxation, 20% mandatory federal withholding, and a 10% early-withdrawal penalty if you’re under 59½. By executing the transfer carrier-to-carrier, we keep the funds in qualified status the entire time, which is how the rollover stays tax-free and penalty-free. The financial institutions handle everything between themselves; you sign the paperwork.
What if my old annuity is 10 or 20 years old?
It’s almost certainly outdated, and an upgrade is almost always worth running. Older annuities carry inferior crediting rates, weaker income riders, dated death benefit features, and outdated estate documentation. Many modern carriers offer a 7–10%+ premium bonus credited on day oneto win your rollover — meaning you walk into the new contract with more money than you walked out of the old one with. We do this analysis for free.
Can I roll my old employer 401(k) into an annuity or IUL?
Yes. Old employer 401(k) balances can be directly rolled into an IRA-held annuity— tax-free, no withholding, no penalty — using the same carrier-to-carrier mechanism we use for 1035 exchanges. Once the balance is inside the IRA annuity, it grows tax-deferred and converts into guaranteed lifetime income at the time you choose. For self-employed business owners and high-income earners, this is frequently the single most consequential rollover we run. See our for the broader strategy.
Why hasn’t my current agent suggested this?
Three reasons, usually. First, executing a 1035 exchange or direct rollover means moving the contract — which often means the original agent loses the renewal commission. Second, many agents simply don’t know how the procedures work, particularly across different product types. Third, the analysis required to determine whether an exchange or rollover is worth doing is sophisticated — it requires pulling in-force illustrations, modeling net long-term economics, and benchmarking against the market.Most agents don’t have the time or carrier access to do that work.
Are there any tax surprises I should know about?
1035 exchanges are tax-free when properly executed, but complications can arise: if the old contract has an outstanding loan, the loan may need to be repaid first; if the new contract is materially different in ways that exceed §1035 limits (like exchanging annuities for life insurance, which is not allowed), the exchange can be partially or fully taxable. Direct rollovers carry their own rules — particularly the 60-day deadline on indirect rollovers and the once-per-12-month IRA rollover limit. VFC’s role is to identify these issues before any transfer happens.
What if my old policy has surrender charges remaining?
This is a critical part of the analysis. If surrender charges are still in force, the exchange may not be worth executing — the new contract has to deliver enough improvement to overcome the surrender cost. For older policies (typically 10+ years old) the surrender charge schedule has usually expired, eliminating this concern. For newer policies still inside the surrender window, we usually recommend waiting.
What if I’m not sure my old policy or 401(k) is worth moving?
That’s exactly what our free review is for. VFC + Allaso Consulting will pull the in-force illustration on your existing contract or the summary on your existing 401(k)/IRA, benchmark it against the modern market, and produce a written analysis showing whether a move is worth executing — or whether your existing setup is actually still competitive. The analysis is free.You only proceed if the math clearly supports the move.
VFC’s Exclusive Insurance Partner · Independent Brokerage · A++ & A+ Carrier Access
The independent insurance brokerage behind every VFC 1035 exchange.
VFC’s insurance practice operates in exclusive partnership with Allaso Consulting— an independent insurance brokerage with direct access to the full top tier of the American insurance market. Allaso is not captive to any single carrier. They are not paid more to recommend one product over another. Their model is identical to ours: produce the best independent recommendation for the client, every time.
That partnership is the structural reason we deliver better policy rates and better contract designs than clients typically encounter through a single-carrier captive agent. We benchmark every replacement contract across dozens of A++ and A+ rated carrierswriting indexed universal life, fixed annuities, and fixed indexed annuities — and place each policy with whichever carrier delivers the strongest economics for the specific client.
Allaso has the carrier relationships. VFC has the strategy framework. Together, the exchange is comprehensive, the placement is independent, and the outcome is the best available to the client.
Find Out What Your Old Contracts & Accounts Are Actually Costing You.
Every old life insurance policy, annuity, LTC contract, 401(k), IRA, and Roth balance should be reviewed periodically against the modern market. If any of yours is more than ten years old — or more than five years old in a fast-moving category — a free VFC review is almost always worth running.Even if the conclusion is to keep what you have.