Rafael Loyola
~~~ LEAF Financial Protection ~~~ Let's work together to set a solid foundation for you and your family with proper financial protection!
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(916) 900 1697
License 20466749
About Us
Financial security with a lump sum and cash reserves! Check the links here.
Request for a FREE quote here!
Let me know your goal for setting up life insurance. Get a free IUL illustration. Use it as you see fit, even if it is as reference for shopping around to see if you can get a more favorable design elsewhere to fit your unique situation and need. My pledge of service to you. 1. Lowest cost. 2. High policy survivability. 3. Honest feedback.
Protected growth that you never know existed!
Let us set a solid foundation for you and your family with proper protection!
How It Works - NerdWallet
IUL Roadmap
A 2min Summary
How does "upside potential and downside protection" really work?
No gatekeeping - How to read an IUL Illustration
A important note on IUL Internal Rate of Returns (IRR)
PDF
·
Document
Sample Illustration 1
Sample Illustration 2
Sample Illustration 3
Sample Illustration 4
Request a FREE quote now!
What's the no. 1 fear of retirees?
Find out with the links below.
Request for a FREE quote here!
Want guaranteed income for life in retirement?
Sounds too good to be true?
Ernst&Young 2025 Report on holistic retirement planning
How does this retirement tool work with RMDs?
Why Annuities Are A Powerful Retirement Strategy For Single Women
Sample Illustration - $51K Guaranteed Income
Sample Illustration - $25K Guaranteed Income
Sample Illustration - $71K Guaranteed Income
Request a FREE quote now!
It’s “Life” Insurance not “Death” Insurance!
Discover more from the links here.
Request for a FREE quote here!
What kind of life insurance do you have?
How does Life Insurance benefits you while still alive?
Living Benefits shelter families from financial distress!
Sample Quote 1
Sample Quote 2
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What We Do
Book a complementary appointment now!
Calendly
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Loyola Rafael Life
Financial protection for you and your family.
👉What do you have in place to shield your loved ones from financial distress if anything happens to you? Not just when you pass away but if you suffer a ch...
We would like to know what your financial goals or interests are. Complete this survey in confidence.
Let me know your goal or what interests you.
Online Financial Literacy Workshops
Gallery
Gallery
·
3 photos
Learn the basics
What are Living Benefits?
What is a Fixed Index Annuity?
Auxiliary Insurance
Financial Security
A tax advantaged safety net as a senior
When it's out of coverage
What is an Index Universal Life?
Discover for yourself
Designing an IUL for Better Performance
For conservative/beginner investors
Don't park your money in just checking and ordinary savings accounts!
What is SGOV?
What is an SPETF?
Articles
Indexed Universal Life (IUL) Insurance Explained – Forbes Advisor
Ernst&Young 2025 Report on holistic financial planning with life insurance
Indexed Universal Life Insurance (IUL): How It Works - NerdWallet
Indexed universal life (IUL) insurance policies have a cash value that's tied to the performance of the stock market. Learn more now.
Why Annuities Are A Powerful Retirement Strategy For Single Women | AtheneAthene
Discover why annuities are an important tool for women, especially single women planning for long-lasting retirement income. Learn how annuities work and fit into a diversified financial strategy.
How does this retirement tool work with RMDs?
Sample Illustrations and Quotes
Example 1 - $550K 20-Year Term
Example 2 - $350K Blended IUL
Example 3 - $450K 15-Year Term
Example 4 - $1M Blended IUL
Example 5 - $350K Blended IUL
Example 6 - $50K Juvenile IUL
Example 7 - $51K Guaranteed Lifetime Income FIA
Example 8 - $25K Guaranteed Lifetime Income FIA
Example 9 - $71K Guaranteed Lifetime Income FIA
Example 10 - $550K Blended IUL
Example 11 - $150K Blended IUL
Requests
Request for the schedule of online Financial Literacy Workshops
Let me know which workshop you wish to register for.
TermLife Quote Request
Let me know your goal for setting up life insurance. Fill and submit for a FREE quote that provides rich details for you to make an informed decision.
Annuity Illustration Request
Let me know your goal for the annuity. Fill and submit for a FREE illustration that provides rich details for you to make an informed decision. A Fixed Index Annuity (FIA) provides guaranteed lifetime income and helps protect your retirement savings while offering growth linked to a market index; like the S&P 500 or based on a fixed rate of return or both. Your principal is never lost to market declines, and earnings grow tax-deferred up to a cap (e.g. 10%). Funds are dedicated to guaranteed lifetime income, with a 1% annual fee. You can withdraw up to 10% yearly without charges; excess withdrawals incur surrender charge and early withdrawals before age 59½ face a 10% IRS penalty. FIAs can also be set up so a surviving spouse continues receiving income. This long-term strategy balances market potential and security, ensuring you and your loved ones have dependable income in retirement.
IUL Illustration Request
Let me know your goal for setting up life insurance. Get a free IUL illustration. Use it as you see fit, even if it is as reference for shopping around to see if you can get a more favorable design elsewhere to fit your unique situation and need. My pledge of service to you. 1. Lowest cost. 2. High policy survivability. 3. Honest feedback.
IUL Agent Training
Please complete to get exclusive access to the recorded video training.
Please complete to get exclusive access to the sample illustration.
Please complete and get a unique perspective on IULs
Samples used during Livestream
051426 Income Stream FB Livestream
Access Google Drive with a Google account (for personal use) or Google Workspace account (for business use).
051426 FB Livestream
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