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Frontier Life & Benefits Group · Darleen Ademba
The Full Weekly Blueprint
Monday – Saturday · Bothell + Portland / Vancouver Market
Monday
Phone Focus + Setup Day
4:30 AM
→ 5:00 AM
Wake Up & Hydrate
16oz water, light stretch, gym bag ready. No phone — protect your morning mindset.
5:00 AM
→ 6:30 AM
Gym (90 min)
Strength or cardio. Your physical discipline directly fuels your sales discipline.
6:30 AM
→ 7:45 AM
Shower, Protein Meal & Ready for Work
High-protein breakfast (eggs, chicken, Greek yogurt or shake). Dressed and at desk by 7:45AM.
7:45 AM
→ 9:30 AM
Weekly Planning + Pipeline Review
Monday is your reset day. Review your pipeline, set weekly goals, prep your call list & D2D target map for the week. Respond to weekend messages.
9:30 AM
→ 10:00 AM
Product Study / Script Practice
Review IUL scripts or SFP training. Mondays are lower-convert call days — use the time wisely.
10:00 AM
→ 12:00 PM
Warm Follow-Ups & Existing Leads Not Cold Calls
Monday is best for warm leads — people who've shown interest. Save cold prospecting for Tue–Thu. Target: 15–20 follow-up calls.
12:00 PM
→ 1:00 PM
Lunch Break
Step away completely. A 60-min real break outperforms eating at your desk every time.
1:00 PM
→ 4:00 PM
Client Appointments + Admin
Calendly consultations, applications, proposals, CRM updates, social media/content for Frontier website.
4:00 PM
→ 5:30 PM
Afternoon Calls — Warm Leads Best PM Window
Good afternoon window — prospects are wrapping up. Focus on follow-ups and appointment scheduling for the week.
5:30 PM
→ Bed
Wind Down — Prep D2D Kit for Tuesday
Pack business cards, brochures, notepad & branded folders. Map out your Tuesday D2D route on Google Maps or RoadWarrior. Early to bed.
Tuesday
⭐ Power Day — Calls + D2D
4:30 AM
→ 5:00 AM
Wake Up & Hydrate
Power day starts here. Get up with intention.
5:00 AM
→ 6:30 AM
Gym (90 min)
High energy workout — you need peak energy for D2D today.
6:30 AM
→ 7:45 AM
Shower, Protein Meal — Business Casual Attire
Dress sharp — you're walking into businesses today. Business casual+ is the standard for D2D insurance pros.
7:45 AM
→ 9:30 AM
Admin, Emails & Script Review
Handle overnight messages, review your D2D opening script, confirm appointments, review your target business list.
9:30 AM
→ 10:00 AM
Quick Pre-Call Block
10–15 calls before heading out. Warm up your voice and mindset before hitting the street.
10:00 AM
→ 12:00 PM
Door-to-Door — Business Canvassing Block 1 D2D
Target: small businesses, retail strips, professional offices. Goal: 15–20 doors. Leave a card + mini info packet at every stop. Aim for appointments, not same-day closes. Avoid Tue 9–10AM (busy) and lunchtime.
12:00 PM
→ 1:00 PM
Lunch — Recharge for Afternoon
Eat near your D2D area so you don't lose time commuting back.
1:00 PM
→ 3:30 PM
Door-to-Door — Business Canvassing Block 2 D2D
Continue the route. Target: 15–20 more doors. Note: 2–4PM is the sweet spot — decision makers are back from lunch and haven't started wrapping up yet.
4:00 PM
→ 5:30 PM
Cold Calls — Afternoon Block Best Window
Back at desk — dial leads you couldn't reach this morning. 20–25 calls. Tuesday is a top 3 converting day.
5:30 PM
→ Bed
Log D2D Results + Wind Down
Update your CRM with every door contact: name, business, notes, follow-up date. This is your future pipeline.
Wednesday
⭐ Power Day — Peak Cold Call Day
4:30 AM
→ 5:00 AM
Wake Up
Wednesday is statistically the highest cold call conversion day of the week. Bring energy.
5:00 AM
→ 6:30 AM
Gym (90 min)
Stay consistent — your best sales days start with your best mornings.
6:30 AM
→ 7:45 AM
Shower, Protein & Ready
Fuel for the biggest call day of the week.
7:45 AM
→ 10:00 AM
Admin, Follow-Ups, Study & Prep
Process any applications, respond to emails, prep call list. Study IUL objections and scripts for 20 min.
10:00 AM
→ 12:00 PM
Cold Calls — AM Block Peak Day + Window
Maximum focus — no D2D today. Pure phone block. Target: 30–40 new prospect calls. IUL and life insurance leads.
12:00 PM
→ 1:00 PM
Lunch
Rest. You have a full afternoon ahead.
1:00 PM
→ 3:45 PM
Client Appointments (Calendly) + Admin
Consultations, proposals, applications. Process anything that came in from Tuesday D2D follow-ups.
4:00 PM
→ 5:30 PM
Cold Calls — PM Block Peak Day + Window
Second peak window. Wednesday 4–5:30PM is one of the single best times to reach insurance prospects all week. Target: 25–30 calls.
5:30 PM
→ Bed
Wind Down + Log Results
Update CRM, review day's numbers. Prep Thursday D2D route for Portland area (if travelling Thur evening).
Thursday
⭐ Power Day — Calls + D2D
4:30 AM
→ 5:00 AM
Wake Up
Pack Portland overnight bag the night before so mornings are smooth.
5:00 AM
→ 6:30 AM
Gym (90 min)
Keep the routine — you'll be on the road later. Consistency is everything.
6:30 AM
→ 7:45 AM
Shower, Protein Meal & Business Attire
Dress sharp — D2D in Bothell area before travel.
7:45 AM
→ 10:00 AM
Morning Calls + Admin Power Day
Start calls early — Thursday is your 3rd best converting day. Target: 20 calls. Also confirm Friday Portland appointments.
10:00 AM
→ 12:30 PM
D2D Canvassing — Bothell/Kirkland Area D2D
Last D2D block before Portland trip. Hit your planned route — 15–20 business doors. Leave info packets, collect names, book appointments.
12:30 PM
→ 1:30 PM
Lunch + Log D2D Contacts
Update CRM with all Thursday D2D contacts. Schedule follow-ups.
1:30 PM
→ 3:30 PM
Afternoon Calls + Client Appointments Peak Window
Final peak calling block of the week. Target: 20–25 calls. Handle any Calendly appointments.
5:30 PM
→ Bed
Drive to Vancouver/Portland Travel Evening
~3 hrs from Bothell. Bag should already be packed. Listen to SFP training audio, insurance podcasts or sales books on the drive. Arrive, settle in, review Friday D2D route, early to bed — big market day tomorrow.
Friday
Portland & Vancouver
D2D Full Day
6:30 AM
→ 7:30 AM
Wake Up in Portland — Light Workout or Walk
Hotel gym or outdoor walk. You arrived Sunday — you're rested and ready. No heavy lifting today, energy for a full D2D day.
7:00 AM
→ 8:00 AM
Shower, Protein Breakfast & Business Attire
You're representing Frontier in a new city — look sharp, feel confident. Grab a high-protein meal nearby.
8:00 AM
→ 9:30 AM
Route Planning + Quick Admin
Finalize your Portland/Vancouver D2D route. Target specific business strips, business parks or professional corridors. Respond to Bothell messages.
9:30 AM
→ 12:00 PM
D2D — Portland Business District Block 1 Portland
Hit businesses in your planned corridor. 15–20 doors. Leave branded info packets. Introduce yourself as a local multi-state licensed broker. Fridays can be productive — some research shows Friday had the highest conversation-to-meeting rate due to less competition from other reps.
12:00 PM
→ 1:00 PM
Lunch — Local Portland Spot
Recharge. You're building a new market — energy matters. Eat near your next D2D zone.
1:00 PM
→ 3:30 PM
D2D — Vancouver, WA Business Block 2 Vancouver
Cross into Vancouver, WA — you're licensed there too. Hit the next corridor. 15–20 doors. Great market for IUL and life insurance — business owners across the border.
4:00 PM
→ 5:00 PM
Quick Call Block — Follow Up Hot Leads PM Window
Call back anyone who was in a meeting when you stopped by. Schedule appointments while you're still fresh in their minds.
5:00 PM
→ Evening
Log Contacts + Explore Portland
Update your CRM with every Friday contact. Then reward yourself — you've had a full day building a new market. Enjoy the city.
Saturday
Vancouver & Portland
D2D Full Day + Drive Home
6:30 AM
→ 7:30 AM
Wake Up in Vancouver — Light Workout or Walk
Hotel gym or a brisk walk. You've been on your feet since Friday — light movement keeps the energy up without burning out.
7:30 AM
→ 8:30 AM
Shower, Protein Breakfast & Route Prep
Dressed sharp — last full D2D day. Finalize your Saturday Vancouver/Portland corridor. Target Saturday-open businesses.
9:00 AM
→ 12:00 PM
D2D — Vancouver Business Block 1 Vancouver WA
Hit businesses in your planned Vancouver corridor. 15–20 doors. Saturday mornings are a hidden gem — business owners come in to catch up quietly and are surprisingly open. You're licensed here — own this market!
12:00 PM
→ 1:00 PM
Lunch — Recharge for Afternoon
Eat near your next D2D zone. Log morning contacts in your CRM while fresh.
1:00 PM
→ 3:00 PM
D2D — Portland Block 2 Portland OR
Cross into Portland for the final D2D push. 10–15 more doors. Follow up with anyone who was in meetings yesterday. Leave packets everywhere.
3:00 PM
→ 4:00 PM
Quick Follow-Up Calls + Log All Contacts
Call back hot leads from Friday & Saturday. Update CRM with every contact from the full weekend trip before you drive home.
4:00 PM
→ 7:00 PM
Drive Back to Bothell Sunday Rest
~3 hrs home. Training audio or music to decompress. Arrive home, rest well — Sunday is your full recovery day. Meal prep, recharge and plan for Monday's big week.
80–100
Calls / Week
60–80
D2D Doors / Week
Tue–Thu
Peak Call Days
3 Cities
Bothell · Portland · Vancouver
6 Days
Mon – Sat
Door-to-Door Best Practices — What the Pros Say
01
Goal: Appointments, Not Sales
Don't try to close at the door. Your goal is to book a 20-min sit-down. IUL is a relationship sale — you need a table, not a doorstep.
02
Dress Business Casual+
Not a full suit, but sharp. You represent Frontier Life — look like a financial professional, not a door-to-door salesperson.
03
Lead with a Question
"Most business owners I talk to don't realize there's a way to protect their family AND build tax-free retirement income at the same time — is that something you'd want 10 minutes on?"
04
Always Leave Something
Business card + a simple one-page IUL explainer in a branded folder. Every door that doesn't open is still a marketing touchpoint.
05
Use the ASC Method for Objections
Acknowledge → Solve → Close. "I already have insurance" → "That's great — most people I work with already do. All I need is 10 minutes to show you how this is different. What does Thursday look like?"
06
Track Every Door
Log: business name, contact name, response, follow-up date. One agent reported $125K/year extra from D2D alone — all tracked systematically.
07
Best Business Targets for IUL
Small business owners, contractors, real estate agents, dentists, chiropractors, salon owners, restaurant owners — self-employed people who need retirement solutions and have no corporate 401k.
08
Plan Your Route Like a Pro
Use Google Maps or RoadWarrior app to cluster businesses geographically. Don't waste time driving between scattered locations — work in tight corridors for max efficiency.
Your D2D Opening Script — Frontier Life & Benefits Group
[Walk in, firm handshake, smile, make eye contact]
"Hi, my name is Darleen Ademba — I'm with Frontier Life & Benefits Group, an independent insurance brokerage. I'm not here to sell you anything today — I just wanted to introduce myself and drop this off." [hand them the info packet]
"We work with business owners in the area to help them protect their families and build tax-free retirement income — something most people don't know is even available to them.
I'd love to show you in about 15 minutes how it works. Would Thursday or Friday work better for a quick sit-down?"
"Hi, my name is Darleen Ademba — I'm with Frontier Life & Benefits Group, an independent insurance brokerage. I'm not here to sell you anything today — I just wanted to introduce myself and drop this off." [hand them the info packet]
"We work with business owners in the area to help them protect their families and build tax-free retirement income — something most people don't know is even available to them.
I'd love to show you in about 15 minutes how it works. Would Thursday or Friday work better for a quick sit-down?"
Life Insurance · Term · IUL · Wealth Strategy
Protection that
builds real wealth
builds real wealth
Life insurance isn't just about what happens when you're gone — the right policy builds tax-free cash value, protects your family and funds your retirement. We specialize in IUL and term life solutions that work as hard as you do.
Indexed Universal Life
Our flagship. Permanent life insurance linked to a market index — with a 0% floor so you never lose principal and uncapped growth potential. Builds tax-free cash value you can access in retirement.
IUL · Flagship Product
Term Life
Affordable, straightforward protection for the years that matter most. We shop 8+ carriers to find your best rate — often lower than you expect.
10 · 20 · 30 Year
Whole Life
Guaranteed death benefit for life, with predictable cash value growth. The foundation of any long-term family protection plan.
Permanent · Guaranteed
Darleen Ademba
(425) 475-2577
Darleen@frontierlifegroup.com
www.frontierlifegroup.com
Scan to visit our site
Why Frontier Life & Benefits Group
Your life insurance specialist —
shopping the full market for you
shopping the full market for you
8+
Carrier Partners
10yr
Industry Experience
3+
States Licensed
$0
Cost to You
IUL vs. Common Alternatives
IUL
vs. 401(k)
No contribution caps, no RMDs, tax-free withdrawals via policy loans — and a death benefit your 401(k) can never provide.
IUL
vs. Term Life
Term protects. IUL protects AND builds. Cash value grows tax-deferred and a 0% floor means market crashes can't wipe you out.
IUL
vs. Roth IRA
Roth caps at $7k/year. IUL has no limit. Both offer tax-free growth — but only IUL also covers your family if something happens to you.
IUL
vs. Whole Life
Whole life is predictable but slow-growing. IUL offers higher growth potential through index participation — with flexible premiums.
How We Work — 4 Simple Steps
01
Free Consultation
No obligation. We listen first — no pitch, no pressure.
02
Needs Analysis
We assess your goals, timeline and budget.
03
Market Shopping
We compare 8+ carriers side-by-side for your best fit.
04
You Decide
No pressure. We handle the paperwork and stay in your corner.
Our Commitment to You
"Every family deserves a clear, honest strategy — not just a policy. We're here to build something that actually works for your life."
Free consultations in English and Spanish. Call (425) 475-2577 or visit frontierlifegroup.com to get started today.
The Frontier Difference
You could go directly to an insurance company — but you'd only see their products, at their price, with no advocate in your corner. At Frontier, we shop the entire market and recommend what truly fits your life, your family and your future — not what pays us the most.
Ready to build your strategy?
Schedule a free consultation at frontierlifegroup.com
or call (425) 475-2577 · Darleen@frontierlifegroup.com
or call (425) 475-2577 · Darleen@frontierlifegroup.com
Scan to Book
Seguro de Vida · Vida a Término · IUL · Estrategia Financiera
Protección que
genera riqueza real
genera riqueza real
El seguro de vida no es solo para cuando usted ya no esté — la póliza correcta genera valor en efectivo libre de impuestos, protege a su familia y financia su retiro. Nos especializamos en IUL y soluciones diseñadas para protegerle en cada etapa de su vida.
Vida Universal Indexada (IUL)
Nuestro producto estrella. Seguro de vida permanente vinculado a un índice de mercado — con un piso del 0% para que nunca pierda su capital y potencial de crecimiento ilimitado. Genera valor en efectivo libre de impuestos para su retiro.
IUL · Producto Estrella
Seguro a Término
Protección accesible y directa para los años más importantes. Comparamos más de 8 aseguradoras para encontrar su mejor tarifa.
10 · 20 · 30 Años
Vida Entera
Beneficio por fallecimiento garantizado de por vida, con crecimiento de valor en efectivo predecible. La base de cualquier plan de protección familiar a largo plazo.
Permanente · Garantizado
Darleen Ademba
(425) 475-2577
Darleen@frontierlifegroup.com
www.frontierlifegroup.com
Escanee para visitarnos
¿Por Qué Frontier Life & Benefits Group?
Su especialista en seguros de vida —
buscando en todo el mercado para usted
buscando en todo el mercado para usted
8+
Aseguradoras Aliadas
10yr
Años de Experiencia
3+
Estados con Licencia
Sin Límite
Costo para Usted
IUL vs. Las Alternativas Comunes
IUL
vs. 401(k)
Sin límite de aportaciones, sin RMDs, retiros libres de impuestos — y un beneficio de muerte que su 401(k) jamás puede ofrecer.
IUL
vs. Seguro a Término
El seguro a término protege. El IUL protege Y genera riqueza. El valor en efectivo crece protegido por el piso del 0%, sin importar las caídas del mercado.
IUL
vs. Roth IRA
El Roth IRA tiene límite de $7,000/año. El IUL no tiene límite. Ambos ofrecen crecimiento libre de impuestos — pero solo el IUL también protege a su familia.
IUL
vs. Vida Entera
La vida entera es predecible pero crece más despacio. El IUL ofrece mayor potencial de crecimiento a través del índice — con primas flexibles.
Cómo Trabajamos — 4 Pasos Simples
01
Consulta Gratuita
Sin compromiso. Le escuchamos primero — sin prisa, sin presiones.
02
Análisis de Necesidades
Evaluamos sus metas, sus plazos y su presupuesto.
03
Comparación del Mercado
Comparamos más de 8 aseguradoras para encontrar su mejor opción.
04
Usted Decide
Sin presiones. Nosotros nos encargamos del papeleo y seguimos a su lado.
Nuestro Compromiso con Usted
"Cada familia merece una estrategia clara y honesta — no solo una póliza. Estamos aquí para construir algo que realmente funcione para su vida."
Consultas gratuitas en español. Llame al (425) 475-2577 o visítenos en frontierlifegroup.com para empezar hoy.
La Diferencia Frontier
Podría ir directamente a una compañía de seguros — pero solo vería sus propios productos, a su precio, sin nadie de su lado. En Frontier, buscamos en todo el mercado y recomendamos lo que realmente se adapta a su vida, su familia y su futuro — no lo que más nos conviene a nosotros.
¿Listo para construir su estrategia?
Visite frontierlifegroup.com o llámenos al
(425) 475-2577 · Darleen@frontierlifegroup.com
(425) 475-2577 · Darleen@frontierlifegroup.com
Escanear para Agendar
3.5" × 2" Standard Business Card · Front & Back
Front
Multi-State
Licensed
Licensed
Frontier Life & Benefits Group
Independent · Multi-State Licensed
Darleen Ademba
Licensed Insurance Broker
(425) 475-2577
Darleen@frontierlifegroup.com
www.frontierlifegroup.com
Back
Frontier Life & Benefits Group
Protection built for real life — with clarity, care and your best interests at heart.
Multi-State Licensed Insurance Broker
Scan to visit
Frontier Life & Benefits Group
Independent Insurance Brokerage · Multi-State Licensed
The Deep Dive · Page 1 of 4
About Us
We work for you —
not the insurance companies
not the insurance companies
At Frontier Life & Benefits Group, we believe every individual and family deserves access to clear, honest guidance when it comes to their insurance needs. We are an independent brokerage licensed across multiple states — which means our loyalty is always to you, not to any single carrier.
With nearly 10 years of experience in the insurance industry and a background in Actuarial Consulting, we bring data-driven precision and deeply personal attention to every client relationship.
Insurance decisions are some of the most important, life-changing choices you'll ever make — the kind that protects your family, secures your future and provides peace of mind when it matters most. You shouldn't have to navigate them alone.
Our Mission
"Coverage that makes sense for your life — not just the cheapest box to check."
Our Pillars
- Transparency — no jargon, no pressure
- Independence — we shop the full market for you
- Expertise — nearly 10 years of industry knowledge
- Advocacy — in your corner from enrollment to claims
Why an Independent Broker?
You could go directly to an insurance company — but you'd only see their options, at their price, with no advocate in your corner. At Frontier, you access the full marketplace.
| What You Get | Going Direct to a Carrier | Working with Frontier |
|---|---|---|
| Multiple carrier options | ✗ One carrier only | ✓ 8+ carriers compared |
| Unbiased recommendations | ✗ Carrier's own products | ✓ What's best for YOU |
| Cost to you | ✓ Free | ✓ Free — always |
| Year-round support | ~ Limited | ✓ Full year availability |
| Claims & enrollment help | ~ Basic | ✓ Hands-on guidance |
| IUL & wealth-building products | ~ Carrier-specific only | ✓ Full market access |
Licensed In
Washington · Oregon · California & More
Multi-state and growing
Multi-state and growing
Experience
Nearly 10 years in the insurance industry with an Actuarial Consulting background
Contact
(425) 475-2577
Darleen@frontierlifegroup.com
frontierlifegroup.com
Darleen@frontierlifegroup.com
frontierlifegroup.com
Frontier Life & Benefits Group
Independent Insurance Brokerage · Multi-State Licensed
The Deep Dive · Page 2 of 4
Our Flagship Product
Indexed Universal Life (IUL) —
Protection meets wealth building
Protection meets wealth building
What is an IUL?
The only product that protects your family and
builds your wealth — at the same time
builds your wealth — at the same time
Unlike traditional life insurance, an IUL policy accumulates cash value linked to a market index (e.g. S&P 500) — with a guaranteed floor so you never lose ground when the market dips. That cash value grows tax-deferred and can be accessed as tax-free retirement income. It's not just insurance — it's a long-term financial strategy.
01
Pay Your Premium
A portion covers your death benefit. The rest goes into your cash value account — growing tax-deferred over time.
02
Market-Linked Growth
Your cash value is credited based on a market index performance. Cap rates limit upside; a 0% floor protects against losses.
03
Tax-Free Access
Access your cash value through policy loans — tax-free. Use it for retirement income, college, emergencies or as a legacy.
Key Benefits
- Death benefit protection for your family
- Cash value grows based on market index (e.g. S&P 500)
- Guaranteed floor — 0% minimum, never negative
- Tax-deferred growth — no annual tax on gains
- Tax-free retirement income via policy loans
- Flexible premiums — adjust as life changes
- Adjustable death benefit over time
- Protection from creditors in most states
Who Is IUL Best For?
- Business owners & self-employed professionals
- High earners who've maxed out 401k/IRA
- Those seeking tax-free retirement income
- Parents building wealth for their children
- Anyone who wants protection AND growth
IUL vs. Other Products
vs. Term: IUL builds cash value; term expires with no value
vs. Whole Life: IUL offers higher growth potential
vs. 401k: IUL has no contribution limits, no RMDs, tax-free loans
vs. Stocks: IUL has a floor — you never lose principal to market
vs. Whole Life: IUL offers higher growth potential
vs. 401k: IUL has no contribution limits, no RMDs, tax-free loans
vs. Stocks: IUL has a floor — you never lose principal to market
Our IUL Carriers
National Life Group · Mutual of Omaha · Athene · F&G · North American · Corebridge/AIG · Foresters & More — We compare across all to find your best fit
Frontier Life & Benefits Group
Independent Insurance Brokerage · Multi-State Licensed
The Deep Dive · Page 3 of 4
Life Insurance
Coverage for every stage of life
Term Life
Simple, affordable protection for a defined period — the lowest-cost way to protect your family.
- 10, 20 or 30-year terms
- Lowest premiums of any life product
- Ideal for income replacement & mortgage protection
- Best for: Young families, new homeowners
Whole Life
Lifelong coverage with guaranteed cash value growth — premiums and benefits are fixed forever.
- Coverage that never expires
- Guaranteed cash value growth
- Fixed premiums for life
- Best for: Estate planning, lifelong dependents
IUL — Our Flagship
The most powerful life product — protection AND tax-free wealth building.
- Market-linked cash value growth
- 0% floor — never lose to market dips
- Tax-free retirement income
- Best for: Wealth building, retirement planning
Health Insurance
We shop across multiple carriers to find you the best ACA Marketplace plan, short-term coverage or group health option — at the best price. You shouldn't have to choose between coverage and affordability.
- ACA Marketplace individual & family plans
- Short-term health coverage options
- Group health for small businesses
- Subsidy eligibility review & enrollment help
- Year-round support — not just open enrollment
Open Enrollment vs. Special Enrollment
Open Enrollment runs Nov 1 – Jan 15 annually. Outside that window, you may qualify for a Special Enrollment Period if you've experienced: job loss, marriage, divorce, new baby, relocation or income change.
We help you navigate both — and find coverage that works year-round.
We help you navigate both — and find coverage that works year-round.
Medicare Solutions
Turning 65 or approaching Medicare eligibility? The options can feel overwhelming — we make it simple and ensure you choose the right plan for your health needs and budget.
Medicare Advantage (Part C)
All-in-one plans that combine Parts A & B, often including Part D drug coverage, dental, vision and hearing. Usually low or $0 premiums.
Part D — Prescription
Standalone prescription drug coverage added to Original Medicare. We compare formularies across carriers to find the plan that covers your medications at the lowest cost.
Medicare Supplement (Medigap)
Covers the "gaps" in Original Medicare — deductibles, copays and coinsurance. More predictable costs, greater provider freedom. Ideal for those who want maximum coverage.
Frontier Life & Benefits Group
Independent Insurance Brokerage · Multi-State Licensed
The Deep Dive · Page 4 of 4
Common Questions
We hear these every day
Does working with a broker cost me more?
No — never. Brokers are compensated directly by insurance carriers. Your premium is the same whether you go through us or directly to the carrier. We're completely free to you.
Can I lose money in an IUL?
Your cash value cannot go negative due to market performance — there's a 0% floor guarantee. You may have policy fees, but market losses alone cannot reduce your principal below zero.
I already have insurance through work. Do I need more?
Employer coverage typically ends when you leave the job and rarely covers everything. An independent policy travels with you and provides long-term security regardless of employment.
How long does it take to get coverage?
Health coverage can begin within days. Life insurance typically takes 2–6 weeks depending on underwriting. Some simplified issue products can be approved same-day.
What's the difference between IUL and a 401k?
Both build retirement savings — but IUL has no contribution limits, no Required Minimum Distributions (RMDs) at 72, access is tax-free via loans, and it includes a death benefit. They can work together.
What if I have pre-existing conditions?
ACA health plans cannot deny you or charge more for pre-existing conditions. For life insurance, it depends on the condition — we shop across carriers to find who looks most favorably on your situation.
When should I start an IUL policy?
The earlier the better — younger clients get lower premiums and more time for cash value to grow. However, IUL works at any age for the right client. Schedule a consultation and we'll run the numbers for you.
What carriers do you work with?
National Life Group, Mutual of Omaha, Aetna, Athene, F&G, North American, Corebridge/AIG, Foresters and more — we compare across all to find your best fit.
Our Commitment to You
"Every family deserves clear, honest guidance when it comes to protecting what matters most — with no jargon, no pressure and no hidden agendas."
We offer free consultations in English and Spanish. Whether you're exploring life insurance for the first time, looking to build tax-free retirement income through an IUL, or navigating Medicare — we are here to guide you every step of the way. Call us at (425) 475-2577 or visit frontierlifegroup.com to schedule today.
Scan to Visit
Your Next Step
Schedule your free consultation
(425) 475-2577 ·
Darleen@frontierlifegroup.com
frontierlifegroup.com · WA · OR · CA & More — Multi-State Licensed
frontierlifegroup.com · WA · OR · CA & More — Multi-State Licensed
Scan to Book a Call