Alden Armstrong

Welcome to my IBC Practitioner Page!

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I am Alden.

Insurance Advisor︱Real Estate Investor︱Business Owner

Christ-Follower︱Husband︱Father︱Conservative

When you start looking into an IBC policy, it's easy to get to a point of "where do I start?" There are many companies and designs to choose from, and it's often difficult to figure out which carrier, product, or design is right for your policy... Getting it right the first time, with your first policy, takes time and prevents a lot of heartache in the future. I didn't have the guidance I would have wanted when I got my first policy. After becoming an agent, I had to eventually 1035 that product into a new, better-designed one because the first agent I worked with sold me a policy that did not align with my goals. 

The majority of my IBC clients are Business Owners and Real Estate Investors, and they want strong early cash value in the 80-90% range. Most of my clients use a 10/90 design, maximizing the cash value up front for leverage. However, about 1/3 of my clients choose 40/60 with higher base premiums for various reasons. Chief among them is the increased flexibility for additional and longer-term funding. Which policy you choose is up to you; I provide the options and clarity so you can make the decision. 

A little about our numbers...

We have clients in all 50 states, have placed over $3,000,000,000 insurance in force, and have helped establish tens of millions in cash value for our clients. Working with 10 mutual insurance companies means that we have options and are not beholden to one product, company, or way of thinking about insurance. IBC is a concept - insurance is the tool. We find the right tool for your situation - that's it.

- Alden