Indexed Life Insurance · Michigan
Your money should be doing more than sitting there.
I'm Christopher Momcilovich. Before insurance, I spent fifteen years as a band director, teaching kids to read something that looked impossible on paper. I do the same thing now with a financial product most people have been sold at but never actually taught. Give me fifteen minutes and you'll understand how it works — then you decide what to do with that.
No cost, no obligation, no follow-up campaign. If it isn't a fit for you, I'll be the one to say so.
Licensed in Michigan·NPN 21364236·15 years in K–12 education·M.M.E., Bowling Green State University·Independent agent·Battle Creek
If you left a financial meeting nodding but not understanding, that wasn't your fault.
Caps. Participation rates. Riders. Non-guaranteed illustrations. This industry has a vocabulary problem, and a lot of people in it are comfortable with that, because a confused person either signs or leaves quietly.
I taught fourteen-year-olds to sight-read. My entire job was taking something intimidating and making it obvious — and then checking whether it actually landed. That habit didn't go away when I changed careers.
How it works
What an indexed universal life policy actually is
In five sentences, without the brochure language.
There's a death benefit protecting your family from the day the policy is issued. That part is the foundation, not a bonus feature.
After the cost of the insurance, the remainder accumulates inside the policy.
Often the S&P 500. Linked to, not invested in — you don't own the shares.
In a year the index falls, your cash value isn't reduced by that market loss. In a year it soars, your credited growth is capped. You trade some of the upside for protection from the downside.
Those loans are generally not treated as taxable income when the policy is properly structured and stays in force.
What I'll also tell you
- This is not free money. There are insurance costs and policy fees, and they weigh heaviest in the early years.
- It's a long-term commitment. If there's a real chance you'd stop funding it in three years, it's the wrong tool — and I'd rather you hear that from me now.
- Illustrations show projected numbers that aren't guaranteed. I'll walk you through the guaranteed column too, because that's the column that matters if everything goes badly.
- If an employer match you're leaving on the table, or a credit card at 24%, would serve you better first — that's what I'll tell you to do first.
Three steps, and you can stop after any of them
Fifteen minutes on the phone
You tell me what you're working with and what you want your money to do. I ask questions. No presentation, no slides, no forms to fill out first.
Real numbers, your numbers
I run illustrations with actual carriers for your age, health and budget, and walk you through both the guaranteed and the projected columns so you can see the gap between them.
You decide, on your clock
Take it home. Show your spouse. Show your CPA. Sit on it for a month. There's no deadline coming from me, and no bonus period expiring Friday.
Who I sit down with
Teachers & school employees
I've worked in your building. I know what a pension statement looks like, and I know what most 403(b) lineups quietly cost you. If your retirement plan is one pension and a hope, that's a conversation worth having.
Business owners & 1099 earners
No employer match, no HR department, no benefits meeting in the fall — and a tax bill that grows with every good year. You need something you control.
Parents, 30s through 50s
You want your kids taken care of if something happens to you, and you'd like something to show for it if nothing does. I'm a dad of three. I understand the math you're doing.
About
I got into this because I watched good people retire with less than they thought.
Fifteen-plus years as a K–12 band director across Michigan districts. A master's in music education from Bowling Green State. A Michigan professional teaching certificate I still hold, and a community college ensemble I still conduct. Three kids, Battle Creek.
Somewhere in those years I sat through enough staff-room conversations about retirement to notice a pattern: smart, careful people who had never once had somebody sit down and explain their options without trying to sell them something in the same breath. I'd rather be the person who explains it. The selling takes care of itself when people actually understand what they're looking at.
Not everyone needs an IUL
Sometimes the right answer is a term policy that pays off the house, or coverage so your children aren't handed a funeral bill, or a straight conversation about a Medicare supplement. I write those too, and I'll point you at the simpler one when the simpler one is better.
Mortgage protection·Final expense·Medicare supplement·Mortgage-free & debt-free strategies
Questions people actually ask
Is this an investment?
No, and I'll correct anyone who calls it one. It's a life insurance policy with a cash value component whose growth is linked to an index. It isn't a security, I'm not a registered investment advisor, and I'm not going to manage a portfolio for you.
How do you get paid?
By the insurance carrier, if and when a policy is issued. You never write me a check for my time. I'd rather you know that up front and weigh what I say accordingly.
What does the first call cost?
Nothing, and there's no version of it where you owe me something afterward. Fifteen minutes, mostly me asking questions.
Do you only work with teachers?
No. It's where I came from and it's who I understand fastest, but most of the people I work with have never set foot in a school except to pick up a kid.
Do we have to meet in person?
Only if you want to. I meet virtually anywhere in Michigan, and in person around Battle Creek and Kalamazoo.
Am I too old for this to make sense?
Maybe — it depends on your age, your health and how long you'd be funding the policy. I'd rather tell you honestly on a fifteen-minute call than have you wonder. If the answer is no, there are usually better tools, and I'll name them.
Let's have one honest conversation.
Fifteen minutes. You'll walk away understanding more than you did, whether or not you ever buy anything from me.
Would rather just talk? Call or text 269-341-1986. I answer my own phone.