The year was 2017, and Neal and his wife MJ had just received the kind of news every parent dreams about, their kids were expecting. They were about to become grandparents.

They were overjoyed.
More than anything, Neal and MJ wanted to be there for every moment the milestones, the firsts, the little everyday memories that matter most.

So they packed up and moved closer to family to live the dream, doting grandparents, full hearts.

But then reality knocked.

Hey Neal.. how are you going to pay the bills?

Because let’s be honest here, being a grandparent also means spoiling those grandkids rotten.

While wrestling with that question, Neal stumbled on a video about the life insurance industry. It sparked something. He got licensed and dove into selling Final Expense and Term policies.

And he crushed it.

For five straight years, Neal wrote $200K–$300K in premium annually. He was winning… on paper.

But behind the scenes? He was burning out.

In 2022, Neal drove over 41,000 miles chasing clients. He was worn down, drained, and starting to wonder:

There’s got to be a better way

Then inflation hit in 2022. Clients started canceling their policies left and right. Chargebacks piled up. The final gut punch? He got slapped with $141,000 in rollup debt.

Neal was ready to quit.

But MJ looked him in the eyes and said,

Let’s try one more time.

And that one decision changed everything.

Neal knew something had to be different. That’s when he discovered the power of IULs.

He attended a NLG Summit in Houston, and a new door opened. Shortly after, he launched a brand new agency, one that focused only on IULs and Annuities. No more term. No more final expense.

Just real, sustainable, ethical protection for families. And big commissions for agents

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It was hard work. Late nights. Early mornings. But it paid off.