Andrés Cárdenas
A Venezuelan immigrant, social communicator, and purpose-driven financial advisor, he found his true passion in 2018 after discovering the power of financial planning. Since then, he has dedicated his life to empowering Latino families in the U.S. to break cycles of generational poverty.
Today, he leads Life Plan Financial, an agency with more than 30 agents and 1,500 active clients, and directs the Futuro con Andrés movement, a financial education platform with values, faith, and a vision of legacy.
Life Plan Agency
Secure Your Future With IUL And Access Them Anytime.
It’s NOT Too Good to Be True.
Unlike traditional 401(k)s and IRAs, IUL offers liquid control over your hard-earned dollars
What is IUL?
¿Qué es IUL?
Is Your Money Working as Hard as You Are?
Build Wealth, Protect Your Future, and Retire Confidently with IUL
- Grow your savings with tax-deferred cash value accumulation
- Flexible withdrawals any time with no age limit
- Money grows faster with compound interest
- Savings protected against market lost
- Protect your loved ones with a guaranteed death benefit
- Additional optional living benefits (you didn’t know about)
- Skip the bank and be your own bank
Indexed Universal Life (IUL)
Indexed Universal Life (IUL) Insurance for Life Plan Agency
1
For Children:
Starting Strong
- Build cash value early with tax-deferred growth.
- Use funds for college, a first home, or business ventures.
- Life-long coverage with maximum growth potential.
2
For Young Families:
Financial Security
- Protection for loved ones with a death benefit.
- Tap into tax-advantaged savings for milestones like a home purchase.
- Build a financial safety net while raising a family.
3
For Working Professionals:
Growth & Balance
- Alternative to 401(k) with market-protected cash value growth.
- Access funds for education, major life events, or retirement.
- Dual-purpose tool for wealth-building and protection.
4
For Retirees:
Enjoying Wealth
- Tax-free supplemental income in retirement.
- Leave a legacy with a death benefit for loved ones.
- Flexible funds for medical expenses or travel.
Why IUL Stands Out Across Life Stages
Unlike traditional investment accounts, which often come with age restrictions, limited access, or penalties, IUL gives you the flexibility to save, grow, and access wealth on your terms. Whether you’re planning for education, building a home, or securing a legacy, IUL ensures your money works harder for you every step of the way.
FAQs
What can I “ensure” with this plan for my family?
With LifePlan you can prioritize three things: economic stability, education of your children and Tranquillity in the event of unforeseen events. Andrés helps you choose the design that best suits your goals.
Can I use living benefits if I face an emergency or illness?
Yes, there are plans with benefits in life which allow you to access part of the coverage if you face one critical, chronic or terminal illness. Andrés will show you how they work and when they apply.
Do these plans accumulate savings and leave inheritance?
Who qualifies and how do I know if I qualify?
It depends on you age and health status. Free advice with Andrés allows you to know if you qualify, review costs and know your options without obligation.
What objectives is this type of plan for?
How much does it cost?
The price depends on your age, health and insured amount. There are options accessible from a few dollars per month. Andrés shows you the alternatives according to your budget.
What do I gain from free advice?
You gain clarity about your options, you will know if you qualify and you will see real numbers without obligation. It is the first step to protect your future safely.
