An IUL is a type of permanent life insurance that does more than just provide a death benefit—it also builds cash value over time. The unique part? That cash value grows based on the performance of a stock market index like the S&P 500 (but without the risk of losing money when the market drops).

• Upside potential, downside protection – You can earn market-linked returns with a built-in safety net: there’s a cap on how much you can earn, but also a floor, so your cash value won’t lose money in a downturn.

• Flexible & powerful – You can adjust your premiums and death benefit as your needs change.

• Tax-advantaged growth – Your money grows tax-deferred and can be accessed tax-free in retirement.

• No bank loans needed – Borrow from your own policy without penalties or qualifying. It’s your money—use it when you need it.

With an IUL, you're not just protecting your loved ones—you're building a financial legacy that grows with you. That’s the Blessed Ohana way.

Give your child more than just a head start—give them a lifelong advantage.

Our Headstart Plans combine the protection of life insurance with the growth power of an Indexed Universal Life (IUL) policy. These plans build cash value over time, creating a flexible financial tool your child can use throughout their life.

• Grows with them – Cash value builds year after year

• Access anytime – Use it for college, a first car, wedding, or even a home down payment

• Lifelong protection – Lock in low rates and guaranteed coverage early

• Teaches smart planning – Helps kids understand the value of saving, growing, and using money wisely

With a Headstart Plan, you’re planting seeds today for a future filled with options, freedom, and financial peace of mind. That’s the heart of the Blessed Ohana mission.

Indexed Universal Life (IUL) policies don’t just protect your loved ones after you're gone—they can support you while you're still living. That’s the heart of Living Benefits.

Many IULs include Accelerated Death Benefits (ADB) at no extra cost, allowing you to tap into your policy early if you face a major health challenge.

What’s Covered?

• Chronic Illness – If you can’t perform 2 out of 6 daily living activities (like bathing or eating) or need supervision for cognitive issues

• Critical Illness – Includes serious conditions like heart attack, stroke, cancer, or major organ failure

• Terminal Illness – If you're diagnosed with a life expectancy of 12–24 months (varies by state)

These benefits can help cover care, ease financial pressure, or simply give you peace of mind during a tough time.

Accessing Cash Value

In addition to living benefits, your IUL builds cash value that grows over time—tax-deferred and linked to a market index. You can borrow against this cash value anytime for any reason—whether it’s to cover emergencies, fund a dream vacation, pay off debt, or supplement retirement. No loan application, no credit check—it’s your money, growing and available when you need it.

Long-Term Care (LTC) Insurance & Riders help pay for care when you need extra help with everyday tasks—like bathing, dressing, or eating—whether at home, in assisted living, or a nursing facility.

• Covers what health insurance doesn’t – Protects against out-of-pocket costs not covered by Medicare or Medicaid

• Preserves your savings – Helps protect your assets from being drained by long-term care expenses

• Gives you options – Choose where and how you receive care

• Eases the burden – Reduces stress on your loved ones during difficult times

Planning ahead means you stay in control—and your family stays supported. That’s peace of mind, the Blessed Ohana way.

Term life is simple, affordable protection for a set period—like 10, 20, or 30 years. If something happens to you during that time, your loved ones receive a guaranteed payout to help cover expenses and keep life going.

• Budget-friendly – Lower premiums than permanent policies

• High coverage when you need it most – Great for young families, new homeowners, or anyone with big responsibilities

• Covers temporary needs – Like income replacement, mortgage protection, or education costs

While it doesn’t build cash value, term life offers powerful peace of mind during life’s busiest seasons. Protect your ‘ohana without breaking the bank.

An indexed annuity helps you grow and protect your retirement savings—all without risking your principal.

• Market-linked growth – Earn returns based on a stock market index (like the S&P 500), but with built-in protection so you never lose your initial investment

• Steady retirement income – Many annuities offer guaranteed lifetime income you can’t outlive

• Wealth preservation – Great for those who want to grow their money while keeping it safe from market dips

At The Broker Group and Blessed Ohana, we help you decide if this strategy fits your goals—so you can retire with peace of mind and aloha.