Your Life Insurance Experts

We teach and help people maximize advanced life insurance concepts!

Welcome to Circle Financial, where our mission is to help our clients achieve financial freedom and preserve and build wealth for future generations. We offer a range of life insurance products and services such as Index Universal Life Insurance (IUL), living benefits, term insurance whole life and annuities. We also assist our clients in implementing financial strategies like "be your own banker" and "infinite banking" to meet the diverse needs of our clients.

Be your own banker life insurance, also known as the "bank on yourself" strategy, involves using a permanent life insurance policy, such as IUL, as a source of tax-advantaged financing for personal and business expenses. By borrowing against the cash value of the policy, policyholders can potentially access funds at a lower cost than traditional loans and without the need for credit checks or collateral. This strategy can be especially useful for small business owners and entrepreneurs who may have difficulty securing traditional loans.

Infinite banking, also known as the "infinite banking concept," involves using a permanent life insurance policy as a personal "bank" to fund financial goals and objectives. By paying premiums into the policy and allowing the cash value to grow, policyholders can potentially access funds for a variety of purposes, such as financing a child's education, paying off debt, or funding a retirement income. This strategy can be a useful alternative to traditional banking and investment options.

IUL is a type of permanent life insurance that offers a range of benefits, including the potential for tax-free savings, cash value growth, and death benefit protection. IUL also offers the added benefit of participation in the performance of a stock market index, such as the S&P 500. At Circle Financial, we specialize in helping our clients preserve and create generational wealth through the use of IUL and other financial tools.

In addition to the potential for wealth preservation and creation, IUL also offers a range of options and riders to customize coverage to fit individual needs. These include living benefit riders, which allow policyholders to access a portion of the death benefit while they are still alive if they are diagnosed with a qualifying critical, chronic, or terminal illness. These riders can provide policyholders with financial assistance to cover medical expenses and other costs associated with their illness.

At Circle Financial, we understand that every client has unique financial needs and goals. That's why we offer personalized financial strategies and guidance to help our clients make informed financial decisions. Our team is is trained to assist clients in selecting the right coverage to meet your needs and goals, and to provide exceptional customer service every step of the way.

If you're interested in learning more about the life insurance products and services we offer, and how we can help you preserve and create wealth for future generations, we encourage you to explore our website or contact one of our financial advisors. They will be happy to answer any questions you may have and assist you in selecting the right coverage for your needs. Thank you for considering Circle Financial. We look forward to helping you achieve your financial goals.


What our clients say


"I was never educated properly on how money works and Circle Financial has taught me so much. You've got to make an appointment today. You don't know what you don't know!"

- Martha Spellton


"We just had our first baby and knew that we needed life insurance and other financial products to protect and prepare for our daughter's future. Together with Circle Financial we setup a plan that gives us the confidence that we can meet our goals and help her reach hers. And even help fund her dreams."

- Louis Costello


"If you have been trying to do figure out money on your own, you don't know what you're missing. Circle Financial will impress you. They massively improved the the tax efficiency of my savings (tax-free savings), provided me with living benefits life insurance and setup my family for Generational Wealth."

- Roger Williams