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Tamika Harris
Licensed Life Insurance Broker
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📈 IUL & Annuities · Wealth Building · Texas

IUL & Annuities
in Texas

Build tax-advantaged wealth, protect your retirement savings, and create income you can never outlive.

Tell Tamika your goal and she will email you a personalized illustration — no phone call required. Already know what you want to contribute each month? You can apply now and review your final illustration before you sign.

Choose Your Product

Select the product that matches your goals. Then fill out the illustration request form and Tamika will email you a personalized analysis.

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IUL — Indexed Universal Life

Grow wealth. Protect your gains. Leave a legacy.

An IUL policy builds cash value linked to a stock market index (like the S&P 500) — with a floor so you never lose money when the market drops. It also provides a death benefit for your family.

Key Benefits:

  • ✓Market-linked growth with downside protection (0% floor)
  • ✓Tax-free cash value accumulation
  • ✓Tax-free loans against your cash value in retirement
  • ✓Death benefit for your beneficiaries
  • ✓Flexible premiums and coverage amounts

Best For:

  • →People who want to build retirement wealth tax-free
  • →Those who maxed out their 401(k) or IRA
  • →Business owners and high earners
  • →Parents who want to leave a legacy
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Annuities

Guaranteed income you can never outlive.

An annuity is a contract with an insurance company that converts your savings into a guaranteed income stream — for a set period or for life. It's the closest thing to a pension you can create for yourself.

Key Benefits:

  • ✓Guaranteed income for life or a set term
  • ✓Tax-deferred growth while accumulating
  • ✓Protection from market losses (fixed annuities)
  • ✓Potential for market-linked growth (indexed annuities)
  • ✓Options for spousal continuation income

Best For:

  • →People approaching retirement
  • →Those who want guaranteed income they can't outlive
  • →Individuals rolling over a 401(k) or IRA
  • →Anyone worried about running out of money in retirement
🔄 No large cash deposit required

Don't Want to Move a Large Lump Sum From Your Bank?

You don't have to. Most people fund an annuity or IUL by rolling over retirement money they already have — not by writing a big check from their checking account. A rollover or transfer moves those funds directly to the new carrier, so it stays tax-free and never passes through your hands.

Money you can roll over

  • ✓401(k) or 403(b) from a current or former employer
  • ✓Traditional, Roth, SEP, or SIMPLE IRA
  • ✓TSP (Thrift Savings Plan) — common for veterans and federal workers
  • ✓Pension lump-sum distribution
  • ✓An existing annuity (transferred tax-free via a 1035 exchange)
  • ✓A maturing CD or savings you would rather not move all at once

What Tamika needs to get it started

  • The type of account you are moving

    For example a 401(k), IRA, 403(b), TSP, pension, or an existing annuity. This tells Tamika whether the money is pre-tax (qualified) or already-taxed (non-qualified) so the transfer stays tax-free.

  • Where the money is held today

    The name of the current company or custodian (e.g. Fidelity, Vanguard, Empower, your pension administrator). A recent statement is the easiest way to share this.

  • The approximate balance

    A rough amount is fine to start. There is no minimum cash deposit from your own bank — the rollover funds the policy.

  • Whether you still work for that employer

    If the account is with a current employer, Tamika will check whether an in-service rollover is allowed. Accounts from a former employer can almost always be moved.

  • A recent account statement

    One recent statement showing the account number and balance lets Tamika prepare the transfer paperwork for you to sign — the receiving carrier requests the funds directly, so the money never passes through your hands.

How a rollover works: Tamika prepares the transfer paperwork, the receiving insurance carrier requests the funds directly from your current account, and your new annuity or IUL is funded — with no early-withdrawal taxes or penalties when it is done as a direct rollover or 1035 exchange. You can also combine a rollover with smaller monthly contributions if you'd like to keep adding to it over time.

↑ Select IUL or Annuity above to request your personalized illustration

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Ask About Term with Return of Premium (ROP)

Still term · No cash value

Don't like the idea of paying for term insurance and getting nothing back if you outlive it? Return of Premium is a term policy that refunds every dollar of premium you paid if you are still living when the term ends. It costs more each month than standard term because of that refund — but at the end of the period, you get your premiums back.

Just remember: Return of Premium is still term insurance. It does not build cash value the way Whole Life or an IUL does — the benefit is the refund at the end of the term. Ask Tamika about a Return of Premium quote when you apply.

How the Illustration Process Works

1

You Submit the Form

Tell Tamika your product interest, goals, age, and budget.

2

Tamika Prepares Your Illustration

She builds a personalized projection showing you estimated cash values, death benefit, and income potential over time.

3

You Review the Illustration

Tamika emails the illustration to you. You review it at your own pace — no pressure.

4

You Decide — Then Apply

If you want to move forward, Tamika submits your application with the carrier. She sends you the final approved illustration before anything is finalized.