What We Recommend
Our Product Strategies
At TIE BUCKLE, we offer a range of life insurance services designed to protect what matters most to you. Our goal is to provide peace of mind through personalized coverage solutions that fit your unique needs.
PREMIUM FINANCING
for estate liquidity and legacy transfer
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INFINITE BANKING
for post-exit cash flow and asset protection
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WHOLE LIFE
for buy-sell agreements, family equalization, and private banking
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INDEXED UNIVERSAL LIFE
F&G Everlast® IUL
F&G EverlLong-Term Security for Owners Who Build Big and Plan Bigger
Why Business Owners Need F&G Everlast
When you're preparing to sell or transition your business, you've got one shot to protect everything you've built.
Who is Everlast Perfect For?
Founders planning to exit within 1–7 yearsBusiness owners seeking tax-free estate liquidity
Entrepreneurs needing a tool for long-term wealth transfer
Families with complex inheritance, gifting, or trust structures
Owners of companies valued between $5M–$50M+
Industries served:
Professional Services (Consulting, Legal, Accounting)
Healthcare & Medical Practices
Manufacturing & Industrial Companies
Construction & Development Firms
Technology & Innovation Firms
F&G Everlast® isn’t just insurance — it's your strategic reserve for tax-free liquidity, generational legacy, and long-term financial clarity.
1. Estate & Legacy Risk
RISK EXPOSURE
Your estate may owe millions in taxes and liabilities upon death, forcing heirs to sell assets under pressure.
How Everlast Helps:
Delivers tax-free death benefit liquidity to cover estate taxes, equalization, or charitable gifts — without liquidating your business or real estate.
2. Market Risk & Economic Volatility
RISK EXPOSURE
Stocks, real estate, and business valuations can crash — especially near retirement or during succession.
How Everlast Helps:
Indexed interest crediting tied to the S&P 500® or Barclays Trailblazer with guaranteed floor (0.25%) means no losses in down markets.
You participate in growth, but never in decline.
3. Liquidity Risk During Transition
RISK EXPOSURE
You may need access to cash post-sale but find your capital tied up, penalized, or overly taxed.
How Everlast Helps:
Offers policy loans and partial withdrawals with flexibility and control, so you can access capital when you need it most — without disrupting your portfolio.
4. Underestimated Health Events
RISK EXPOSURE
A chronic or terminal illness can derail exit plans, drain reserves, and reduce inheritance.
How Everlast Helps:
Includes accelerated benefit riders for critical, chronic, or terminal illness — converting your policy into a safety net if life takes a turn.
5. Over-Reliance on the Business for Family Wealth
RISK EXPOSURE
Many business owners have the majority of their net worth tied up in their company. If the sale stalls, fails, or underperforms, their family's financial security may be at risk.
How Everlast Helps:
By building a separate, tax-advantaged pool of guaranteed death benefit and growing cash value, Everlast helps diversify the owner’s estate, ensuring that heirs, spouses, or business partners are financially protected — regardless of what happens to the business deal.
F&G Pathsetter® Fixed IUL
Strategic Protection & Growth for Your Business Exit and Beyond
Why Business Owners Need F&G Pathsetter
As a business owner preparing for an exit, you face unique challenges and risks that threaten the legacy you’ve built.
Who is the F&G Pathsetter Ideal For?
Owners preparing for an exit within the next 1–5 years.
Entrepreneurs needing long-term, tax-efficient liquidity.
Family-owned businesses facing estate planning challenges.
Partnerships requiring buy-sell or key-person coverage.
Owners seeking flexible capital access with downside protection.
Typical Industries:
Professional Services (Consulting, Legal, Accounting)
Healthcare & Medical Practices
Manufacturing & Industrial Companies
Construction & Development Firms
Technology & Innovation Firms
Here's how F&G Pathsetter specifically helps protect against them:
1. Liquidity Risk (Estate and Post-Sale Planning)
RISK EXPOSURE
Insufficient liquidity after your sale could lead to forced asset liquidation or inability to meet estate obligations.
How Pathsetter Helps:
Provides immediate, tax-free liquidity via death benefit for estate taxes, equalization, or succession funding.
Flexible loan access (fixed or variable) gives ongoing liquidity without selling valuable assets.
2. Market Volatility Risk
RISK EXPOSURE
Market downturns at the wrong time can devastate your post-exit financial plan.
How Pathsetter Helps:
Indexed crediting tied to major indices (S&P 500®, Barclays Trailblazer, Morgan Stanley, BlackRock) offering upside market growth with a guaranteed minimum floor (0.25%), protecting your principal from loss.Stability in growth protects your wealth even in turbulent markets.
3. Tax Exposure Risk
RISK EXPOSURE
Selling your business generates substantial tax exposure that could erode wealth transfer to heirs.
How Pathsetter Helps:
Death benefits are paid income-tax-free to your beneficiaries.Efficiently transfers wealth and covers estate tax liabilities, preserving your family’s legacy.
4. Succession & Business Continuity Risk
RISK EXPOSURE
Unexpected events (death or disability of key partners) can disrupt succession plans.
How Pathsetter Helps:
Ideal for funding buy-sell agreements or key-person insurance, ensuring continuity without interruption.Flexible death benefit options (Option A or B) adapt to your succession strategy.
5. Health-Related Financial Risk
RISK EXPOSURE
A critical, chronic, or terminal illness could severely impact financial stability.
How Pathsetter Helps:
Optional accelerated benefit riders offer access to your death benefit in case of qualifying critical, chronic, or terminal illness.
Ensures you’re protected financially during health crises.
F&G ExecuDex® Fixed
Rapid Underwriting & Strategic Protection for Your Business Exit
Why Business Owners Need ExecuDex
When selling your business, it’s easy to overlook critical risks.
Who is F&G ExecuDex Ideal For?
Entrepreneurs and Business Owners preparing to exit within the next 1–5 years.
High-performing Professionals and Executives seeking a fast, streamlined underwriting process.
Owners who value rapid approval and immediate financial protection.
Businesses requiring quick funding for key-person, succession planning, or estate equalization.
Owners with substantial net worth who prefer flexible cash access without unnecessary tax exposure.
Typical Businesses Served:
Professional Service Firms (Consulting, Legal, Financial)
Medical Practices & Health Providers
Technology Companies & Innovators
High-Growth Startups & Mature Family Businesses
Manufacturing & Industrial Enterprises
F&G ExecuDex specifically addresses these risks, providing immediate and long-term protection:
1. Liquidity & Cash Flow Risk
RISK EXPOSURE
Insufficient liquidity after your exit may force premature liquidation of valuable assets, harming your financial security.
How ExecuDex Helps:
Immediate access to cash value via fixed or variable loans, providing flexible capital without selling assets.
Tax-free death benefit that delivers liquidity directly to heirs or trusts for efficient wealth transfer.
2. Market Volatility & Downside Risk
RISK EXPOSURE
Exposure to market downturns can severely disrupt your financial plans at a critical transition point.
How ExecuDex Helps:
Indexed-linked growth options (Barclays, S&P 500®) that capture market upside, with a guaranteed minimum interest rate (0.25%) protecting your policy’s cash value from market downturns.
3. Health and Longevity Risk
RISK EXPOSURE
Unexpected illnesses or accidents can deplete financial reserves quickly.
How ExecuDex Helps:
Accelerated benefit riders covering terminal and chronic illnesses, providing access to policy benefits early to help maintain your financial stability during health crises.
4. Succession & Continuity Risk
RISK EXPOSURE
Loss of key personnel or business partners can derail your planned business exit or succession strategy.
How ExecuDex Helps:
Perfect for funding buy-sell agreements or providing key-person insurance, ensuring stability and smooth business continuity.
5. Tax Exposure Risk
RISK EXPOSURE
Large lump sums from business sales can trigger significant tax liabilities, eroding the wealth passed to your heirs.
How ExecuDex Helps:
Death benefit proceeds are paid income-tax-free, providing critical liquidity for estate tax planning and legacy goals.
Strategic Features
Additional Benefits (Beyond Immediate Risks)
15-Year No-Lapse Guarantee:
With consistent minimum funding, your coverage is protected even if market performance lags or loan balances build.
Persistency Bonus for Long-Term Owners:
Starting in policy year 11, Everlast rewards long-term ownership with a 0.25% bonus interest credit — helping you grow more just by staying the course.
High Maximum Issue Age (80):
Ideal for business owners later in their exit journey or in need of late-stage legacy planning.
Flexible Death Benefit Options (A or B):
Choose between a level or increasing death benefit structure to fit estate needs, trust planning, or family wealth equalization.
Advanced Illness Protection:
Accelerated benefit riders for terminal, chronic, and critical illness offer access to your death benefit — when you need it most — before death.
Multiple Interest Crediting Strategies:
Choose from S&P 500® and Barclays Trailblazer indices for index-based growth with zero downside risk, or use fixed options for predictable performance.
Exam-Free Approval Up to $1M (Ages 0–60):
With InstApproval® underwriting, qualified applicants can secure coverage quickly — no labs, no hassle.
Age Eligibility:
0–80
Minimum Death Benefit:
$100k–$150k
Max Face Amount:
$1M+ (approval required)
No-Exam Approval (InstApproval®):
Ages 0–60, up to $1M
Persistent Bonus:
0.25% interest boost after year 10
Loan Flexibility:
Fixed and variable loan options post-policy year 10
No-Lapse Guarantee:
Stay covered for 15 years minimum with required funding
Designed For
Long-term protection, estate liquidity, and legacy preservation with market-linked growth and downside protection.
Final Thought
“Too many business owners think the sale is the end of the journey. But real freedom comes after. F&G Everlast gives you the ability to transition confidently — without sacrificing your legacy, liquidity, or peace of mind.”
Strategic Features
Additional Benefits (Beyond Immediate Risks)
Flexible Withdrawals:
Access up to 20% of your policy’s surrender value annually without incurring surrender charges.
Exam-Free Underwriting:
For applicants 60 and younger, up to $1M coverage without medical exams or invasive underwriting.
Persistency & Account Value Bonuses:
Earn ongoing bonuses starting in policy year 2, rewarding disciplined long-term ownership.
No-Lapse Guarantee:
Policy remains in effect for 15 years, providing long-term peace of mind.
Age Eligibility:
0–80
Minimum Death Benefit:
$50,000
Max Premium:
(before approval required)
$500,000
Exam-Free Approval:
Ages 0–60, up to $1M
Account Value Bonus:
1% starting in year 2 on select index options
Persistency Bonus:
0.25% interest boost in year 11+ on fixed and indexed values
Loan Flexibility:
Fixed and variable loans with 20% annual withdrawal access
No-Lapse Guarantee:
Stay covered for 15 years with minimum funding
Designed For
Flexible wealth accumulation and retirement income with multi-index growth strategies and long-term policy bonuses.
Final Thought
“Selling your business is one of the most significant financial moves you'll ever make. The F&G Pathsetter IUL isn’t just insurance—it’s strategic, disciplined protection designed specifically to safeguard your legacy, liquidity, and peace of mind during this critical life moment.”
Strategic Features
Additional Benefits (Beyond Immediate Risks)
Rapid InstApproval® Underwriting:
Qualified applicants (ages 18-60) can receive instant underwriting decisions without exams—coverage in days, not months.
Flexible Withdrawals:
Withdraw up to 20% of your surrender value annually without surrender charges, giving you control over your liquidity.
Funding Bonus Rider:
Receive additional interest bonuses for disciplined, strategic premium funding in early policy years.
No-Lapse Guarantee:
Guarantees your policy remains in force for at least 10 years, providing confidence in your long-term coverage.
Overloan Protection:
Ensures your policy remains intact even if loans exceed surrender value, protecting your coverage from unexpected lapses.
Age Eligibility:
18–60
Face Amount Range:
$150,000 – $1,000,000
InstApproval® Instant Underwriting:
Available for low-risk applicants up to $1M
Funding Bonus Rider:
Bonus growth credited in years 11–30 for disciplined premium funding
Interest Crediting Options:
S&P 500® and Barclays Trailblazer with 0.25% floor
Loan Flexibility:
Fixed and variable loans with 20% annual withdrawal access
No-Lapse Guarantee:
Stay covered for 10 years with required premium
Designed For
Fast, streamlined coverage for business owners and executives seeking immediate protection, structured funding bonuses, and tax-efficient liquidity during an upcoming exit.
Final Thought
"Your business exit isn’t just another transaction—it’s the culmination of decades of effort and vision. The F&G ExecuDex IUL provides clear, immediate financial protection precisely tailored to owners navigating complex exits. Let’s ensure you step confidently into your next chapter with clarity, protection, and strength."
Ever feel like every insurance advisor’s just another smooth-talking salesman with one trick in their holster?
You’re not alone. Many business owners we meet are fed up with insurance professionals who:
✖ Offer one-size-fits-all policies without learning your exit goal
✖ Cause chaos during your most sensitive business moments
✖ Have zero knowledge of your industry or transaction timeline
✖ Push you to sign on Day One just to earn their commission check
✖ Gamble with your company like it’s not your life’s work
✖ Bury policies in loose ends and bad documentation
We ensure your insurance selection integrates seamlessly with your business exit strategy:
Our Proven Process:
Educate. Structure. Execute.
Educate:
Clarify how ExecuDex aligns specifically with your exit and estate strategy, eliminating guesswork.
Structure:
CPA-aligned, audit-ready documentation for all policies ensures no unwanted tax or legal surprises arise during your exit process.
Execute:
Disciplined, Marine-like execution ensures meticulous attention to detail, safeguarding your legacy with cowboy-like resilience.
Freedom Consultants further supports your exit by:
Increasing business valuation and buyer attractiveness.
Structuring the financial and operational aspects of your business exit strategy.
What We Specialize In
Our strategies are built for owners exiting businesses valued between $3M–$80M.
Our Compliance Code
Every policy we place runs through our internal
CPA-First Protocol
All funding is documented and reviewed for tax and estate alignment
Prohibited practices are blocked internally—before you ever see them
No product is placed without a clearly documented purpose and legal structure
We don’t sell dreams. We protect reality.
What do the letters of
TIE BUCKLE
stand for?
At TIE BUCKLE Insurance Agency, we bring discipline, integrity, and commitment into the world of insurance. Our name stands for 9 of the Marine Corps Leadership Traits, a guiding force in how we protect what matters most to you:
T - Tact
We provide strategic insurance solutions tailored to your needs.
I - Initiative
We proactively identify risks before they become problems.
E - Endurance
We stand by you for the long haul, ensuring lasting protection.
B - Bearing
We operate with professionalism and reliability.
U - Unselfishness
We prioritize your security and peace of mind over profits.
C - Courage
We tackle complex risks with confidence and expertise.
K - Knowledge
We stay ahead of the industry to offer cutting-edge coverage.
L - Loyalty
We are dedicated to protecting you, your family, and your business.
E - Enthusiasm
We are passionate about securing your success.
"F&G” is the marketing name for Fidelity & Guaranty Life Insurance Company issuing insurance in the United States outside of New York. Life insurance and annuities issued by Fidelity & Guaranty Life Insurance Company, Des Moines, IA.
Policies issued by Fidelity & Guaranty Life Insurance Company, Des Moines, IA.
Guarantees are based on the claims-paying ability of the issuing insurer, Fidelity & Guaranty Life Insurance Company, Des Moines, IA.
Form numbers ICC19-2003 (1-19), LPI-2003 (1-19), ICC19-2003 (1-19) P, LPI-2003 (1-19) P, ICC11-LPI1001 (10-11) WMD, LPI-1037 (07-12) WMD, ICC18-LPI1001 (06-18), ICC18-LPI1060 (06-18), ICC18-LPI1061 (06-18), LPI-1022 (06-18), LPI-1036 (06-18), LPI1037 (06-18), ICC12-LPI1060 (07-12) ADB, ICC11-LRI1010 (10-11), LRI-1031 (10-11), ICC12-LRI3005 (05-12), LRI-3016 (05-12), ICC17 LRI-1116, 17 LRI-1116, ICC16-LRI-1114, LRI-1033 (10-11), ICC17 LRI-1115, LRI-1027 (10-11), ICC19-LRI-2010 (01-19), LRI-2010 (01- 19), ICC19-LRI-2015 (1-19), LRI-2015 (1-19), ICC19-LRI-2016 (1-19), LRI-2016 (1-19), ICC11-LRI1005 (10-11), LRI-1026 (10-11), ICC19 LRI2011 (4-19), LRI2011 (4-19), ICC19-LRI2012 (3-19), LRI2012 (3- 19), ICC19-LRI2013 (2-19), LRI2013 (2-19), ICC11-LRI1002 (10-11), LRI-1023 (10-11), ICC11-LRI1014 (10-11), LRI-1035 (10-11), ICC18- LRI1066 (06-18), LRI-1066 (06-18), ICC20-LRI-2028 (1-20), LRI-2028 (1-20), LRI-2028 (1-20) FL.
The provisions, riders and optional additional features of this product have limitations and restrictions, and may have additional charges. Contracts are subject to state availability, and certain restrictions may apply.
Issuance of the life insurance policy depends, in part, on answers to health questions in the application.
Permanent life insurance is a long-term contract.
Indexed interest crediting rates are subject to a cap, spread and/or participation rate. Caps, spreads and participation rates are subject to change at the discretion of Fidelity & Guaranty Life Insurance Company.
All commission options are subject to the terms of the commission schedule and agent contract. Compensation may vary by contract, please consult your commission schedule for complete details.
Information concerning tax or estate planning should not be considered tax or legal advice. Clients should consult their own tax professional or attorney regarding their unique situation.
When allocating account value into the indexed interest accounts, it's important to understand how these accounts are managed. Fidelity & Guaranty Life Insurance Company placed money into the indexed interest account up to twelve times per year on the 15th of every month (or the first business day thereafter.)
It is important to note that when the declared participation rate is greater than 100% and the index change percentage at the end of the index term period is 0 or negative, no index interest credits will be applied to the account value.
Surrenders, withdrawals and loans will reduce available death benefit and may be subject to surrender charges. Surrenders and withdrawals beyond basis may be taxable income and subject to penalties if taken prior to age 59 ½. Excessive and unpaid loans will reduce policy values and may cause the policy to lapse. In order to receive favorable tax treatments on distributions made during the lifetime of the insured (including loans), a life insurance policy must satisfy a 7-pay premium limitation during the first seven policy years. A new 7-year limitation will be imposed after certain policy changes. Failure to satisfy this limitation would cause your policy to be considered a Modified Endowment Contract (MEC).
This document is not a legal contract. For the exact terms and conditions, refer to the life contract.
The BlackRock Market Advantage Index is a product of BlackRock Index Services, LLC and has been licensed for use by Fidelity & Guaranty Life. BlackRock®, BlackRock Market Advantage Index™, and the corresponding logos are registered and unregistered trademarks of BlackRock.
The product is not sponsored, endorsed, sold or promoted by BlackRock Index Services, LLC, BlackRock, Inc., or any of its affiliates, or any of their respective third party licensors (including the Index calculation agent, as applicable) (collectively, “BlackRock”). BlackRock has no obligation or liability in connection with the administration or marketing of the product. BlackRock makes no representation or warranty, express or implied, to the owners of the product or any member of the public regarding the advisability of investing the product or the ability of the BlackRock Market Advantage Index to track general market performance. BlackRock does not guarantee the adequacy, accuracy, timeliness, and/or completeness of the Index or any data or communication related thereto nor does it have any liability for any errors, omissions or interruptions of the BlackRock Market Advantage Index. http://www.blackrock.com/us/marketadvantageindex
Morgan Stanley US EQUITY ALLOCATOR Index (the “Index” or “MSUA index”) is the property of Morgan Stanley & Co. LLC.
Any product that is linked to the performance of the Index is not sponsored, endorsed, sold or promoted by Morgan Stanley & Co. LLC, or any of its affiliates (collectively, “Morgan Stanley”). Neither Morgan Stanley nor any other party (including without limitation any calculation agents or data providers) makes any representation or warranty, express or implied, regarding the advisability of purchasing any product linked to this Index. In no event shall Morgan Stanley have any liability for any special, punitive, indirect or consequential damages including lost profits, even if notified of the possibility of such damages. The Index is the exclusive property of Morgan Stanley. Morgan Stanley and the Index are service marks of Morgan Stanley and have been licensed for use for certain purposes by fidelity and guaranty life insurance (“licensee”). Neither Morgan Stanley nor any other party has or will have any obligation or liability to owners of this product in connection with the administration or marketing of this product, and neither Morgan Stanley nor any other party guarantees the accuracy and/or the completeness of the Index or any data included therein.
No purchaser, seller or holder of this product, or any other person or entity, should use or refer to any Morgan Stanley trade name, trademark or service mark to sponsor, endorse, market or promote this product, without first contacting Morgan Stanley to determine whether Morgan Stanley’s permission is required. Under no circumstances may any person or entity claim any affiliation with Morgan Stanley without the prior written permission of Morgan Stanley.
In calculating the performance of the Index, Morgan Stanley deducts, on a daily basis, a servicing cost of 0.85% per annum. This reduces the positive change or increase the negative change in the Index level and thus decreases the return of any product linked to the Index. The Index applies a bespoke volatility control mechanism to identify changing market conditions using intraday data and stabilize the overall level of risk of the Index. The volatility control calculation applied by Morgan Stanley as part of the Index’s methodology may decrease the Index’s performance and thus the return of any product linked to the Index. In addition, because the volatility control calculation is expected to reduce the overall volatility of the Index, it will also reduce the cost of hedging certain products linked to the Index.
Morgan Stanley may transact derivative transactions linked to the Index. Potential purchasers of products linked to this Index should refer to the full offering document for important information concerning such products, including the related risk factors and make their own appraisal of the risks and suitability of such products.
The "S&P 500 Index" is a product of S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates (“SPDJI”) and has been licensed for use by Fidelity & Guaranty Life Insurance Company. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC, a division of S&P Global (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); These trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Fidelity & Guaranty Life Insurance Company. These life insurance products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.
Barclays Bank PLC and its affiliates (“Barclays”) is not the issuer or producer of Fixed Indexed Universal Life Insurance and Barclays has no responsibilities, obligations or duties to contract owners of Fixed Indexed Universal Life Insurance. The Index is a trademark owned by Barclays Bank PLC and licensed for use by Fidelity & Guaranty Life Insurance Company as the Issuer of Fixed Indexed Universal Life Insurance. Fidelity & Guaranty Life Insurance Company may for itself execute transaction(s) with Barclays in or relating to the Index in connection with Fixed Indexed Universal Life Insurance. Contract owners acquire Fixed Indexed Universal Life Insurance from Fidelity & Guaranty Life Insurance Company and contract owners neither acquire any interest in the Index nor enter into any relationship of any kind whatsoever with Barclays upon purchasing Fixed Indexed Universal Life Insurance. The Fixed Indexed Universal Life Insurance are not sponsored, endorsed, sold or promoted by Barclays and Barclays makes no representation regarding the advisability of the Fixed Indexed Universal Life Insurance or use of the Index or any data included therein. Barclays shall not be liable in any way to the Issuer, contract owners or to other third parties in respect of the use or accuracy of the Index or any data included therein.
For more information about Barclays Trailblazer Sectors 5 index see indices.barclays/trailblazer5.
Volatility control seeks to provide smoother returns and mitigate sharp market fluctuations. While this type of strategy can lessen the impact of market downturns, it can also lessen the impact of market upturns, potentially limiting upside potential.
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