Cruz Business Group helps families build savings linked to the S&P 500 index, with protection from market losses and life insurance included — all in one plan.
Hablamos español. Atendemos a toda la familia en inglés y en español.
An Indexed Universal Life (IUL) plan combines protection for your family with a savings account that grows with the market — without losing money when the market falls.
Your savings are credited based on the S&P 500 index. When the market is up, you grow. When the market drops, a 0% floor protects what you have already earned.
Every savings plan includes a life insurance policy, so your family is protected from day one.
Unlike a 401(k), you can access your money through policy loans, tax-free when properly structured — for a home, vacations or emergencies.
Fill out our Financial Needs Analysis online. It takes about 10 minutes.
We review your income, debts and goals together — in English or Spanish.
We design a plan that fits your budget, from $100 a month.
Your savings grow with the index while your family stays protected.
Plans are issued and managed by top-rated insurance companies. You don't need to be a trader — the company manages it for you.
Help families save for a better future and build your own income. We train you to get licensed and to help clients step by step.
Illustration only. Commissions depend on your agent contract and the carrier.
Complete your free Financial Needs Analysis and we will contact you to schedule your appointment.