Start Your 1035 Exchange

Let's Find Out If a 1035 Exchange Is Right for You

Tell us a bit about your situation. A licensed advisor will review your information and reach out within one business day — no pressure, no obligation.

Path 1: Preserve My Death Benefit (GUL/IUL)

Path 2: Convert to Income (Annuity)

Tell Us About Your Situation

All fields marked * are required.

First Name *

Last Name *

Email Address *

Phone Number

What is your primary goal? *

Your Age

Current Policy Type

Est. Cash Value ($)

Death Benefit ($)

Annual Premium ($)

Anything else you'd like us to know?

By submitting, I expressly consent to be contacted by 1035Advisor and [YOUR ENTITY NAME], a licensed insurance agency, at the phone number and/or email provided, including via automated telephone dialing systems or pre-recorded messages. Consent is not required to purchase any product or service. I acknowledge that my number may be on the National Do Not Call Registry and waive that protection by submitting. Licensed in [STATE(S)]. No obligation.

Why 1035Advisor

Licensed Insurance Advisors

Tax-Free 1035 Exchange Specialists

Top-Rated Carrier Access

Fiduciary-Minded Process

No Fee to You — Ever

4–8 Week Average Timeline

What Happens Next

Free Suitability Analysis

Same day

Upload your in-force illustration. We extract all policy data and determine whether a 1035 exchange makes financial sense for your situation.

Carrier Comparison

1–2 days

We shop the top-rated GUL and IUL carriers to find the best available product for your age, health class, and death benefit amount.

Advisor Consultation

Scheduled call

A licensed advisor reviews the comparison with you, answers your questions, and confirms the exchange is in your best interest before any paperwork is signed.

Application & Transfer

2–4 weeks

We handle the application, medical underwriting (if required), and the 1035 transfer paperwork directly with both carriers.

Policy Delivery

4–8 weeks total

Your new policy is issued and delivered. Your death benefit is guaranteed. Your premium obligation is gone. Done.

Carriers We Work With

Pacific LifeLincoln FinancialProtective LifeNorth AmericanNationwideTransamericaAIGSymetraGlobal Atlantic

We shop all top-rated carriers to find the best available product for your situation.

Call us directly

1-800-103-5000

Prefer to talk directly?

Call us or leave your number and a licensed advisor will reach out at your preferred time.

Not Ready to Talk Yet?

Start with the free automated analysis. Upload your in-force illustration and get an instant suitability report — no advisor required until you're ready.