IUL Agents in California
44 verified specialists licensed to write in California.
California agents are licensed by the California Department of Insurance, one of the largest state insurance regulators in the country. Wildfire exposure has reshaped property coverage across much of the state, and the sheer number of carriers and plan designs makes an experienced guide valuable. Every agent on this page holds an active California license.
6 of 44 agents
License VerifiedLicensed since 2025Hi, I’m Varonica Grills, a nationwide health, life, and annuity broker.
- Health
- Life
- Final Expense
- +3 more
License VerifiedLicensed since 2022- Health
- Medicare
- Life
- +4 more
License VerifiedLicensed since 2001Licensed since 2001, Elisabeth has a passion for helping people.
- Health
- Medicare
- Life
- +5 more
License VerifiedLicensed since 2012With over 14 years of experience, Josh Rose helps families protect their homes, their income, and their future.
- Health
- Medicare
- Life
- +4 more
License VerifiedLicensed since 2021- Health
- Life
- Final Expense
- +3 more
Amanda Lunsford
Licensed in 35 states
License VerifiedLicensed since 2019Hi, I’m Amanda Lunsford. I’m a nationwide Health, Life, and Annuity Broker.
- Health
- Life
- Final Expense
- +2 more
What IUL cover actually does
Indexed universal life is a kind of permanent life insurance. It is built to last your whole life as long as it stays funded, and it builds cash value you can borrow against.
Part of that cash value earns interest based on a market index. A floor means a bad year in the index does not reduce the interest credited, and a cap limits how much can be credited in a good year. Policy fees and the cost of insurance still come out of the cash value, so how the policy is funded matters.
Read the full IUL guide →