Your Secure Financial Journey. Our Expert Guidance.

Order Your FREE Guide to a Stress-Free Retirement

Welcome to
IndexPoint Financial

At IndexPoint Financial, we believe that true financial freedom comes from knowledge and protection. As an independent agency, we're deeply committed to serving our communities, offering personalized solutions that go beyond generic advice.

In a world of shifting economic landscapes and unpredictable markets, your financial well-being shouldn't be left to chance. We specialize in sophisticated, yet easy-to-understand, indexed strategies that aim to capture market growth while crucially shielding your principal from downturns. We're here to be your trusted partner, providing clarity and confidence every step of the way towards a truly stress-free retirement.

IndexPoint icon.

Tailored Financial Strategies

Crafting security and prosperity through intelligent insurance and annuity solutions.

Term Life Insurance

Essential, affordable protection providing a substantial, tax-free safety net for your loved ones during their most critical years.

Discover Term Life

Indexed Universal Life

A dynamic permanent policy offering lifelong protection, tax-advantaged cash value growth, and flexible access for living needs.

Explore IUL

Indexed Annuities

Your ultimate retirement income engine: principal protection combined with market-linked growth for guaranteed, predictable income you can't outlive.

Learn About Annuities
A happy young family walking together, symbolizing life insurance protection.
Family Protection

Term Life Insurance: Essential & Affordable Peace of Mind

Term life insurance is the foundational cornerstone of any robust financial plan, offering straightforward and budget-friendly protection for your family's future.

It provides a substantial, income tax-free death benefit to your chosen beneficiaries if you pass away within a specified period (the "term"), typically 10, 20, or 30 years. This focused coverage is invaluable during your most financially demanding years, ensuring your loved ones can maintain their lifestyle, cover significant debts like mortgages, and fund crucial future expenses such as education.

  • Cost-Effective Security: Maximize your coverage for a remarkably accessible monthly premium.
  • Income Replacement Power: Guarantees that your family's financial stability remains intact, enabling them to meet daily needs, repay debts, and pursue their aspirations.
  • Transparent Simplicity: Easy to understand, offering immediate and unwavering financial certainty when it matters most.

Ideal for young families, mortgage protection, and securing future educational costs.

A plant growing from a pile of coins, symbolizing financial growth and life.
Wealth Accumulation

Indexed Universal Life (IUL): Your Lifelong Financial Fortress

An Indexed Universal Life (IUL) policy is not just life insurance; it's a dynamic, multifaceted financial instrument designed to serve as a lifelong wealth builder and protector.

Beyond providing a robust, income tax-free death benefit, an IUL accumulates cash value that is strategically linked to the performance of major market indices, such as the S&P 500. The true genius lies in its unique balance: it offers significant upside potential when markets rise, coupled with crucial downside protection, typically featuring a 0% floor to shield your accumulated cash value from market losses during turbulent times.

  • Dual Advantage: Uniting comprehensive lifelong protection with the power of tax-deferred cash value growth, without direct market risk.
  • Tax-Free Income & Access: Leverage your policy's cash value through strategic loans for income supplementation in retirement, unexpected expenses, or major life events – all potentially income tax-free.
  • Empowering Living Benefits: Many IULs include riders allowing you to access a portion of your death benefit early to cover costs associated with chronic, critical, or terminal illnesses, providing a financial lifeline when you need it most.

An excellent solution for tax-efficient wealth accumulation, supplemental retirement income, and long-term care planning.

A relaxed older couple enjoying retirement on a street in a village.
Guaranteed Income

Indexed Annuities: Your Ultimate Retirement Income Engine

An Indexed Annuity is a powerful contract with an insurance company, meticulously designed to safeguard your retirement savings while simultaneously providing avenues for growth and guaranteed income.

Its defining characteristic is robust principal protection: your initial investment and all credited earnings are absolutely shielded from market losses. While your capital remains secure, it benefits from the potential to grow based on the positive performance of a chosen market index, like the S&P 500. This unique blend allows you to participate in market upsides without any exposure to the devastating downsides, making it the premier choice for establishing a reliable, predictable, and lifelong income stream that you simply cannot outlive.

  • Unwavering Principal Protection: Eliminate market risk from your retirement savings; your money is secure even if the market declines.
  • Accelerated Tax-Deferred Growth: Your earnings compound faster without annual taxation, allowing your retirement nest egg to grow significantly larger over time.
  • Personalized Lifetime Paycheck: Convert your savings into a guaranteed income stream that lasts for the rest of your life, providing unparalleled financial predictability and comfort.

Perfect for pre-retirees and retirees seeking secure growth, guaranteed income, and protection from market volatility.

Flagler Beach Pier at sunrise.

Rooted in Community, Focused on Your Future.

We build financial strategies that stand the test of time, providing stability and direction for our clients in Flagler Beach and California and across the nation.

We understand the unique aspirations and concerns of individuals and families looking to secure their retirement. Our approach is holistic, combining deep product knowledge with a genuine commitment to your long-term success. We don't just offer financial products; we offer peace of mind, empowering you to navigate life's financial tides with confidence.

Our Story
Cover for the book Guide to a Stress-Free Retirement

Unlock Your Stress-Free Retirement.

Get Your FREE book: Guide to a Stress-Free Retirement: Secure Your Future with Index Strategies

Are you ready to stop worrying about market crashes and start building a truly secure financial future? Our exclusive guide reveals the innovative indexed strategies that can protect your principal from market losses while offering powerful growth potential.

Inside, you'll discover:

  • How to safeguard your savings against market volatility.
  • The secrets of tax-advantaged growth and income generation.
  • Real-life examples of how indexed annuities and IUL can transform your retirement plan.

Download Your Free Book Instantly!