1. What makes Treece Inc. different from other financial firms?

At Treece Inc, we don't just sell financial products we help you build a customized strategy rooted in clarity, education, and long term peace of mind. Our approach is personal, values driven, and centered on empowering you with knowledge so you can make informed decisions that align with your goals.

We specialize in using tools like Indexed Universal Life (IUL), annuities, and cash flow strategies to help clients eliminate debt, protect their families, and create tax advantaged retirement income. You’re not just a number here you’re a partner in your own financial transformation.

2. How does Indexed Universal Life (IUL) insurance work?

An IUL is a type of permanent life insurance that builds cash value over time. Instead of being directly invested in the market, the policy's cash value earns interest based on the performance of a chosen index (like the S&P 500). The best part? When the market goes up, your cash value grows (subject to caps), and when the market goes down, your principal is protected by a 0% floor.

IULs offer unique advantages: tax deferred growth, tax free loans, and a death benefit. When structured properly, they can serve as a powerful tool for building retirement income, covering long term care costs, or funding big expenses without triggering taxes or market losses.

3. Is life insurance really a good investment?

While life insurance shouldn’t replace traditional investments, certain policies especially IULs can play a critical role in a diversified strategy. These policies can grow cash value safely, offer liquidity, and provide tax free access via policy loans. When structured correctly, they give you both protection and long term financial leverage.

Unlike stocks or mutual funds, life insurance has unique tax advantages and doesn’t suffer from market downturns. For clients focused on tax efficiency, legacy planning, or volatility protection, it’s one of the smartest tools available.

4. What is mortgage protection insurance and how does it work?

Mortgage protection insurance is designed to pay off your mortgage in the event of your death, disability, or critical illness. It’s typically a term life insurance policy that aligns with the length and balance of your mortgage, providing peace of mind that your family can stay in their home.

This type of coverage ensures that your largest debt obligation doesn’t become a burden to your loved ones. With customizable options, you can also include riders for living benefits, which allow access to your policy while you’re still alive if you face a serious illness.

5. What’s the difference between term life and whole life insurance?

Term life insurance provides pure protection for a specific period (like 10, 20, or 30 years). It’s affordable and ideal for covering temporary needs such as mortgage protection or income replacement during working years.

Whole life insurance, on the other hand, lasts your entire life and builds guaranteed cash value. It’s more expensive upfront but offers long term benefits, such as asset accumulation, tax advantages, and the ability to leave a legacy with a guaranteed death benefit.

6. How can I create tax free retirement income?

Tax free retirement income can be created by leveraging tools like Roth IRAs, Health Savings Accounts (HSAs), and Indexed Universal Life (IUL) policies. These allow your money to grow without taxation and offer tax free withdrawals when structured properly.

We specialize in building strategies that protect your retirement from future tax increases. Our process involves layering tax free vehicles alongside traditional retirement accounts to diversify your income sources and reduce your future tax exposure.

7. What is a fixed indexed annuity (FIA)?

A fixed indexed annuity is a contract with an insurance company that allows your money to grow based on a market index without risking loss due to market downturns. You earn interest when the index performs well, but your principal is never at risk if it goes down.

FIAs are especially popular with pre retirees who want protection, growth potential, and optional lifetime income. Many offer income riders that guarantee you’ll never outlive your retirement income, even if your account runs dry.

8. Are annuities safe?

Yes, annuities especially fixed and fixed indexed annuities are among the most stable retirement income tools available. They are backed by the financial strength of insurance companies and are not subject to market loss when properly structured.

However, not all annuities are the same. It’s essential to work with a licensed professional who can assess your goals and match you with the right type of annuity. We only recommend options that align with your risk tolerance, income needs, and long term vision.

9. What does the Debt 2 Wealth system involve?

Debt 2 Wealth is our proprietary system that uses the cash value in specially designed life insurance policies to eliminate debt faster while simultaneously building wealth. Instead of just focusing on payoff, we create a path that redirects interest payments into your future.

It’s a game changer for people who feel stuck in the debt cycle. By combining cash flow reallocation, interest recapture, and tax free growth strategies, we help clients shift from financial stress to financial control often years ahead of schedule.

10. Can I roll over my 401(k) into a safer option?

Yes, many pre-retirees choose to roll over their 401(k) into a fixed indexed annuity or IRA to lock in gains, reduce risk, and generate predictable retirement income. A rollover can also allow for more control over how your assets are invested and taxed.

We guide you through this process to ensure it’s done without tax penalties and in line with your long term income goals. It’s an excellent option for those nearing retirement who want to eliminate guesswork and protect their principal.

11. How much life insurance do I really need?

A good rule of thumb is 10–15 times your annual income, but this varies based on your debts, future goals, family structure, and desired legacy. The purpose of life insurance is to replace income, pay off obligations, and leave loved ones in a stronger financial position.

During your consultation, we walk through a detailed needs analysis that factors in both immediate needs (like funeral costs or debt) and long term goals (like income replacement or college funding). Then we tailor a policy to fit your life not someone else’s formula.

12. What are living benefits and how do they work?

Living benefits are riders on a life insurance policy that let you access part of the death benefit while you’re still alive if you suffer a qualifying illness like cancer, heart attack, stroke, or chronic/terminal illness.

This added feature provides financial support when you need it most. It gives you the ability to cover medical bills, supplement lost income, or seek specialized treatment without draining savings or retirement accounts.

13. Is permanent life insurance only for the wealthy?

Absolutely not. While high income earners use it for estate planning and tax shelters, middle income families can benefit just as much especially when it's structured for early cash value growth and flexible access.

We work with clients across a wide range of incomes. When designed correctly, permanent life insurance can serve as a safe, tax advantaged savings vehicle that complements your retirement, protects your family, and adds financial flexibility.

14. Can I start a college savings plan through life insurance?

Yes, many families use IUL policies to build a flexible college funding strategy. Unlike a 529 plan, an IUL has no usage restrictions, doesn’t affect FAFSA eligibility the same way, and offers tax free access via policy loans.

It’s a powerful way to save for education while also building long term value for other goals like retirement or debt payoff. Plus, if your child doesn’t go to college, the money can still benefit your family in countless other ways.

15. What happens if I outlive my term life policy?

If you outlive a term life insurance policy, the coverage simply ends just like renting a home. However, we offer options like Return of Premium (ROP) term policies or conversion features that allow you to transition into a permanent policy without new medical exams.

We also design layered strategies that combine term and permanent coverage, so you're not left uninsured later in life. This flexibility allows you to adapt your coverage as your needs evolve.

16. Do you work with clients in my state?

Yes! We’re licensed to serve clients across the U.S. Our consultations are done virtually or over the phone, making it easy and convenient to work with us regardless of your location.

Whether you’re in Texas, Florida, New York, or anywhere in between, we can guide you through the same trusted process and provide strategies that are customized to your state's regulations and your personal needs.

17. Is there a cost to meet with Treece Inc. ?

No. Your first consultation is 100% free and comes with no obligation. We believe in educating first, and we’re happy to review your current financial plan, insurance policies, or retirement strategy at no cost.

If we determine that we can help, we’ll show you the options. If not, you’ll still walk away with valuable insights. Our goal is to help you make confident, informed decisions no pressure, no sales pitch.

18. Can I protect my money from future tax hikes?

Absolutely. Through tax diversification and tools like Roth IRAs, IULs, and properly structured annuities, we help you build future income that won’t be eroded by taxes.

The key is acting before tax laws change. By planning now while tax rates are historically low you can reposition your income streams and minimize your lifetime tax liability. It’s not about tax avoidance it’s about tax efficiency.

19. What if I already have a financial advisor?

That’s completely fine. Many of our clients come to us for a second opinion. Even if you have an advisor or plan in place, we can offer a fresh perspective, explore gaps or missed opportunities, and collaborate if needed.

Our goal isn’t to replace your advisor it’s to enhance your plan. We work well alongside CPAs, estate planners, and other professionals to ensure every angle of your financial life is protected and optimized.

20. How do I get started?

It’s simple. Just schedule your free consultation through our website or give us a call. We’ll connect one on one, review your goals, and help you understand what’s working, what’s missing, and how to move forward with clarity and confidence.

You don’t need to have everything figured out—we’ll meet you where you are. Whether you’re in debt, planning for retirement, or just want peace of mind, we’re here to help you build a stronger financial future.