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Frequently Asked Questions
Common Questions Answered for your convenience.
What makes ESZ Financial Group different from other insurance brokers?
At ESZ Financial Group, we are independent brokers, which means we work with dozens of top-rated insurance carriers. This allows us to shop the market on your behalf and find the best policy tailored to your needs and budget — not the company’s bottom line. Our focus is on long-term protection and financial growth for your family.
What is life insurance, and do I really need it?
Life insurance is designed to provide financial security for your loved ones in the event of your passing. It can cover final expenses, replace lost income, pay off debts, or even create generational wealth. If anyone depends on you financially — a spouse, children, or even aging parents — life insurance is one of the most important tools to protect them.
What is an Indexed Universal Life (IUL) policy?
An IUL is a flexible type of permanent life insurance that combines a death benefit with the potential to build cash value. The cash value can grow based on the performance of a stock market index (such as the S&P 500), without being directly invested in the market. This allows you to participate in potential market gains while being protected from market losses.
How do annuities work?
An annuity is a financial product designed to provide guaranteed income, either immediately or in the future. You contribute funds (in a lump sum or over time), and in return, the annuity can pay you a steady stream of income for life or for a set period. Annuities can be an effective way to protect against outliving your retirement savings.
How much life insurance coverage should I have?
The right amount of coverage depends on your unique situation — your income, debts, family needs, and future goals. A general rule of thumb is 10–15 times your annual income, but at ESZ Financial Group, we provide a personalized needs analysis to determine the exact coverage that makes sense for you.
Do policies like IULs or annuities lock up my money?
Both IULs and annuities are long-term financial tools, but they are also designed with flexibility. IULs allow you to access your policy’s cash value through loans or withdrawals, while annuities often offer options for partial withdrawals or income riders. Our role is to help you understand the details so you can access your money when you need it, without surprises.