MyIAD
Intelligent Insurance Advisory & Protection
Precision financial architecture uniting conversational AI Voice Diagnostics, institutional Life Insurance (0% floor IUL & Living Benefits), comprehensive Health & Medicare, and supervised FINRA Rule 2330 Variable Annuity solutions.
MyIAD AI Console
Live Interactive Advisory Hub
Hands-Free Conversational Policy Diagnostic
Ask questions naturally about 0% floor protection, living benefits, and lifetime income.
The MyIAD AI Intelligence Suite
Three specialized artificial intelligence engines engineered for financial protection: conversational voice synthesis via Deepgram, FINRA Rule 2330 compliant advisory reasoning, and real-time risk gap quantification across all 50 US states.
Conversational Voice Agent
Hands-free voice consultation powered by Deepgram Nova-3 speech recognition and Aura Asteria synthesis. Speak naturally to explore 0% floor mechanics, living benefits, and retirement income strategies with instant audio responses.
Requires microphone permission • Works on desktop & mobile
Advisory Intelligence Copilot
Trained on institutional insurance case law, IRC §7702 tax-free policy loan mechanics, and FINRA Rule 2330 annuity suitability requirements. Provides real-time answers with immediate citations in English and Spanish.
Bilingual English / Español • Instant policy citations
Multi-Vector Gap Assessment
Dynamic quantitative engine calculating the exact gap across survivor income replacement, mortgage payoff protection, debt elimination, and education funding deficits. Delivers an actionable blueprint in under 2 minutes.
Zero commitment • Instant scenario visualization
Determine Your Exact Protection Need with Clinical Precision
Eliminate guesswork. Our responsive AI model calculates your family income protection gap, tax-advantaged accumulation floor, and guaranteed retirement income trajectory in seconds.
Your Financial Parameters
AI Case Diagnostic & Vulnerability Audit
Protection & Wealth Preservation Diagnostic (Age 38)
At age 38 with $110,000/yr earnings and 2 dependent(s), your capitalized family protection baseline indicates a target need of $1,525,000. Over your remaining 27-year accumulation runway, an institutional IUL structure projects $952,685 in policy cash value at age 65, generating up to $71,451/yr in federal income-tax-free distributions under IRC §7702.
Identified Portfolio Vulnerabilities (3):
Recommended Protection Chassis:
Three Core Protection Pillars
Engineered to replace fragmented retail policies with an integrated portfolio of wealth preservation, healthcare security, and longevity income guarantees.
Life Insurance & Wealth Accumulation
Term, Indexed Universal Life (IUL), Living Benefits & Estate Liquidity
Architect permanent death benefit protection engineered with downside market immunity (0% floor) and tax-exempt accumulation under IRC Section 7702.
- Institutional 0% floor downside protection with uncapped/participating S&P 500 index allocations
- Living Benefits riders for critical, chronic, and terminal illness protection with accelerated payout
- Executive bonus, key person insurance, and premium-financed estate liquidity planning
- Tax-free policy loans and distributions for private retirement income stream engineering
Health Insurance & Medical Coverage
Individual, Family, Group Health & Medicare Advisory
Navigate private carrier networks, ACA subsidies, group health programs, and Medicare supplements with certified bilingual insurance specialists.
- Individual & Family marketplace optimization with maximum advance premium tax credit (APTC) capture
- Group health architectures for SMBs, commercial teams, and independent contractor pools
- Medicare Advantage & Supplement (Medigap) plans matching preferred hospital and provider networks
- Supplemental health, hospital indemnity, and high-deductible cushion policies
Variable Annuity & Guaranteed Retirement Income
Deferred Variable Annuities, Downside Buffers & Lifetime Withdrawal Benefits
Deploy institutionally managed subaccounts with guaranteed lifetime withdrawal benefit (GLWB) riders designed to combat longevity and inflation risk.
- Guaranteed lifetime income streams that you cannot outlive, regardless of market volatility
- Subaccount asset allocation across top-quartile institutional asset managers
- Tax-deferred compounding growth maximizing capital accumulation prior to annuitization
- Full supervisory suitability reviews conducted strictly in accordance with FINRA Rule 2330 protocols
The MyIAD Business Design: Built for Modern Distribution
MyIAD is not just a consumer portal—it is an autonomous operating system designed for modern insurance agencies, brokerages, and IMOs seeking institutional growth.
Omnichannel AI Intake
Responsive self-service calculators match prospect needs on mobile and desktop, pre-qualifying leads with D.I.M.E. math before producer interaction.
Sub-Second CRM Routing
Encrypted lead payloads dispatch instantly into crm.myiad.net with real-time advisor SMS alerts and automated case tracking.
Automated Compliance
Programmatic FINRA Rule 2330 suitability review, statutory TCPA consent logging, and SEC Reg BI disclaimers embedded at every customer touchpoint.
Agency White-Labeling
Turnkey deployment for downline agencies, complete with bilingual (EN/ES) quoting engines and multi-carrier comparative tables.
Deploy MyIAD Across Your Agency or Practice
Connect your brokerage with our bilingual AI quoting architecture, compliant disclosures, and instant CRM pipeline. Request a private technology walkthrough with our enterprise platform team.
Engineered for Producers, Leaders & Specialized Advisors
Whether closing high-net-worth IUL cases, managing a multi-tier brokerage agency, or safeguarding veteran retirement pensions, MyIAD provides institutional infrastructure.
Show prospects their 0% floor tax-free retirement with institutional math in 30 seconds.
Eliminate spreadsheet friction. Leverage algorithmic illustration stress-testing, side-by-side IRC 7702 tax comparisons, and direct underwriting access across premier carriers.
- Algorithmic Monte Carlo stress-testing against market volatility
- Direct top-tier carrier contracts and accelerated underwriting lines
- Client-ready clinical comparative visual reports generated in real time
Equip your entire brokerage with bilingual AI quoting, compliant disclosures, and instant CRM routing.
Standardize supervisory compliance across multi-state agent pools. Deliver turnkey bilingual lead capture, automated FINRA 2330 documentation, and zero-leakage routing straight to your CRM pipeline.
- Direct lead ingestion hook into crm.myiad.net pipeline
- Automated territory matching (Central FL, South FL, Puerto Rico, National)
- Strict supervision audit trails satisfying FINRA Rule 2330 recordkeeping requirements
The Veteran Asset Shield: How to lock in permanent pension protection before the rate cliff.
Help military families and transitioning service members replace expiring SGLI/VGLI coverage, hedge against Survivor Benefit Plan (SBP) reduction cliffs, and preserve civilian wealth.
- Permanent cash-value alternatives before VGLI age-banded premium escalations strike
- SBP vs. Private Pension Maximization comparative mathematical audits
- Guaranteed insurability riders safeguarding military members post-separation
Request a Quote or Schedule Your Consultation
Choose your preferred approach: submit a quick quote inquiry through our progressive intake flow, or call our toll-free advisory line at (888) 887-3585 to speak directly with a licensed insurance specialist in your state.
Instant Advisory Quote Selector
Compare institutional solutions across Florida & Puerto Rico. Fast, confidential, and directly connected to licensed fiduciary advisors.
Select Inquiring Protection or Wealth Category
Choose the program that matches your immediate financial objectives.
Institutional Trust & FINRA Rule 2330 Standards
Every annuity and life insurance recommendation is backed by strict supervisory suitability gating, complete expense disclosures, and state-level licensing transparency.
50-State Network Licensing
Supervised network of licensed insurance professionals operating across all 50 US states and approved jurisdictions.
100% Independent
Zero captive proprietary quotas. We survey top-tier A+ institutional carriers to secure optimal contract terms for clients.
SEC & FINRA 2330
Mandatory supervisory checklists, liquidity profiles, replacement audits, and principal sign-off on variable annuity contracts.
Cryptographic Security
AES-256-GCM encrypted data transit, HMAC SHA-256 webhook signatures, and HIPAA/TCPA-compliant intake workflows.
FINRA Rule 2330 & SEC Regulation Best Interest Compliance Notice
Mandatory Customer Disclosures
- Deferred variable annuities are long-term financial products intended primarily for retirement planning and wealth accumulation.
- Variable annuities are subject to investment risk, including the possible loss of principal. Investment returns and account values will fluctuate with market conditions.
- Early withdrawals prior to age 59½ may be subject to a 10% federal IRS tax penalty in addition to ordinary income tax.
- Surrender charges typically apply during early policy years (commonly 5 to 10 years) for withdrawals exceeding the contractual free-withdrawal allowance.
- Variable contracts carry underlying fund fees, mortality and expense (M&E) charges, administrative expenses, and optional rider fees (such as GLWB or enhanced death benefits).
- Guarantees are based solely on the financial strength and claims-paying ability of the issuing life insurance carrier and do not apply to the performance of underlying investment subaccounts.
- Variable annuities are NOT bank deposits, NOT insured by the FDIC or any government agency, and NOT guaranteed by any financial institution.