Phantastic Solutions

Secure your tomorrow, today.

Life and mortgage protection built around your family, including lifelong coverage that builds cash value as you go. Honest guidance, A-rated carriers, and a team that picks up the phone.

  • 4.9client rating
  • 2,400+families protected
  • A+rated carriers
2,400+ family homes protected

We compare A-rated carriers, including

  • Mutual of Omaha
  • Americo
  • Foresters
  • American Amicable
  • Aflac
  • Ethos
  • F&G
  • Corebridge

Protection for every chapter.

Tap through one family's life and see which coverage fits each moment.

Our most popular plan

Protection that also grows.

Indexed Universal Life covers you for life and builds cash value along the way. When the market rises, your cash value earns interest up to a cap. When it falls, the floor keeps that year's credit from going below zero.

  • Coverage for life

    A death benefit that doesn't expire at 20 or 30 years, as long as the policy stays funded.

  • Growth linked to an index

    Cash value earns interest based on an index such as the S&P 500, without being invested in the market directly.

  • Money you can use

    Borrow against your cash value for retirement, college, or emergencies, generally without income tax.

How the floor and cap work

Hypothetical example. Not a projection.

Index returnInterest credited
Hypothetical example over six years: the index returned 18, minus 12, 7, 24, minus 4 and 11 percent. With a 0 percent floor and a 10 percent cap, the policy was credited 10, 0, 7, 10, 0 and 10 percent. 10% cap 0% floor 10%Year 10%Year 27%Year 310%Year 40%Year 510%Year 6

IUL is life insurance, not an investment. Caps, floors, and participation rates vary by carrier and policy and can change. Policy charges apply. Loans and withdrawals reduce cash value and the death benefit, and can have tax consequences if the policy lapses.

This is what you're protecting.

The ordinary evenings. The front lawn. The people who'd be counting on you. We make sure they're covered, whatever happens.

Protect my family
2,400+Families protected
$1.2BCoverage placed
4.9Average client rating
24/7Agent support
Marilyn Phan of Phantastic Solutions, smiling, in the office
Marilyn Phan

A partner, not a policy number.

Honest, no-pressure guidance

We compare carriers for you and recommend only what fits. No jargon, no upsell.

Top-rated carriers

We place you with A-rated insurers so your coverage is there when your family needs it.

Covered in minutes

Many clients get protected same-day with simple, no-exam options.

Get a free quote

Covered in three steps.

  1. Tell us about your family

    A short form or a quick call. Free, and no obligation.

  2. We compare carriers for you

    A licensed agent shops A-rated insurers and recommends only what fits.

  3. You're protected

    Many clients get protected same-day with simple, no-exam options.

“They made something I'd been dreading feel effortless. I understood exactly what I was buying, and my family is protected for less than I expected.”
Danielle R., homeowner, Los Angeles
A smiling agent working from home on her laptop

Build a career that actually protects people.

We're growing our team of licensed agents and trainees. Hands-on mentorship, warm leads, uncapped commissions, and a flexible schedule. New or experienced, we'll help you grow.

Join our team

How much coverage do you need?

Move the sliders for a quick starting estimate. A licensed agent will turn it into an exact, no-obligation quote.

Let's protect what you love.

Tell us a little about yourself and a licensed agent will reach out with a free, no-obligation quote.

HoursMon to Sat, 8am to 8pm PST

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