Legacy Shield · Life Insurance & Annuities
PROTECT YOUR LEGACY
WITH IUL — TAX-FREE RETIREMENT BUILT TO LAST.
Indexed Universal Life insurance that builds tax-free retirement wealth, protects your family, and delivers zero market loss with living benefits built in.
About Kelvin De La O
Veteran-OwnedIUL Life Insurance Strategy — Built Around Your Goals
I'm Kelvin De La O — a U.S. military veteran and IUL life insurance specialist based in Austin, Texas, serving families and professionals across TX, FL, CA, NC, VA and 7 other states. I help you build tax-free retirement wealth while protecting everything you've worked for.
The discipline, integrity, and commitment to service I learned in the military are the same values I bring to every client relationship. Your family's financial security is a mission I take personally.
Most people don't realize their retirement savings are being silently eroded by taxes. I show you a smarter path — one where your money grows without market risk, your family is protected, and you retire on your own terms.
$0
Market loss risk with IUL
100%
Tax-free retirement income
15 min
To get your custom plan
Free
Strategy consultation
Specializing in
IUL · Term Life · Annuities
The Process
How It Works
From first call to tax-free retirement — here's exactly what to expect.
01
Book Your Free Strategy Call
A quick 15-minute call to understand your goals, income, and current financial situation. No pressure, no jargon — just clarity.
02
Get Your Custom IUL Plan
I design a personalized plan with three funding options — minimum, recommended, and maximum — so you choose what works for your budget.
03
Your Money Grows Tax-Free
Your policy builds cash value indexed to the market with zero downside risk. Access your funds anytime for retirement, emergencies, or opportunities.
04
Retire on Your Terms
Withdraw tax-free income in retirement, pass on a legacy to your family, and enjoy living benefits if you ever face a critical illness.
Not sure if IUL is right for you? Read our guide: IUL vs. 401(k): Why Indexed Universal Life Beats Traditional Retirement →
Why IUL
IUL vs. 401(k): Everything a 401(k) Can't Offer You
An Indexed Universal Life policy isn't just insurance — it's a complete financial vehicle designed to protect, grow, and distribute your wealth tax-free.
Tax-Free Retirement Income
Unlike a 401(k) or IRA, your IUL distributions in retirement are completely tax-free. Keep more of what you've earned.
Zero Market Loss
Your cash value is indexed to market performance but protected by a floor — you never lose money when markets drop.
Living Benefits
Access your death benefit early if diagnosed with a critical, chronic, or terminal illness. Protection when you need it most.
Legacy for Your Family
Leave a tax-free death benefit to your loved ones. Protect your family's financial future no matter what happens.
Flexible Access to Cash
Borrow against your policy's cash value at any time — for a home purchase, business investment, or any life opportunity.
Fast & Simple Setup
Most clients have their policy in place within days. No complex paperwork, no long waits — just a clear plan and fast execution.
Plan Your Future
See the Numbers for Yourself
Use these calculators to estimate your coverage needs and see how an IUL policy could grow your wealth tax-free by retirement.
Coverage Needs Calculator
Find out how much life insurance you need
IUL Growth Projector
See your hypothetical tax-free cash value at retirement
Insights & Education
From the Blog
Expert insights on life insurance, retirement planning, and protecting your family's financial future.
Things to Look Out for When Selecting the Right Insurance Agent
Selecting the right insurance agent is an important decision. Here are 6 key things to look for — from credentials and experience to transparency and customer service.
Tips for Choosing the Right Life Insurance Company
Choosing the right life insurance company is an important decision that can impact your financial security and peace of mind. Here are 6 key factors to evaluate before you commit.
Questions & Answers
IUL & Life Insurance FAQs
Straight answers to the questions families ask most about IUL, tax-free retirement, and living benefits.
What is an Indexed Universal Life (IUL) insurance policy?
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An Indexed Universal Life (IUL) policy is permanent life insurance with a cash value component that grows based on a market index like the S&P 500. Your cash value earns interest when the index rises but is protected by a 0% floor, so you never lose money when the market drops. It combines a tax-free death benefit, tax-advantaged growth, and living benefits in one financial vehicle.
How is IUL different from a 401(k)?
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Unlike a 401(k) or IRA, an IUL offers tax-free retirement income, zero market-loss risk thanks to a guaranteed floor, and living benefits you can access if you face a critical, chronic, or terminal illness. There are no IRS contribution limits or required minimum distributions, and you can borrow against your cash value at any time without penalty. A 401(k) grows tax-deferred and is taxed on withdrawal — an IUL is designed to grow and distribute your wealth tax-free.
What are living benefits in a life insurance policy?
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Living benefits let you access part of your death benefit while you're still alive if you're diagnosed with a qualifying critical, chronic, or terminal illness. Instead of only paying out after you pass, the policy provides financial protection when you need it most — helping cover medical bills, lost income, or care costs.
Is IUL a good option for tax-free retirement?
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For the right person, yes. IUL is best suited to those who want tax-free retirement income, protection from market downturns, and a death benefit for their family. During your free 15-minute strategy call, we review your income, goals, and budget to determine whether an IUL — or a term policy as a first step — is the right fit for you.
How quickly can I get an IUL policy in place?
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Most clients have their policy in place within days. After a quick 15-minute strategy call, I design a personalized plan with three funding options — minimum, recommended, and maximum — so you choose what works for your budget. No complex paperwork and no long waits.
Which states does KD Legacy Shield serve?
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KD Legacy Shield is based in Austin, Texas and serves clients virtually across Alabama, California, Colorado, Florida, Maryland, Minnesota, Missouri, North Carolina, New Jersey, South Carolina, Texas, and Virginia.
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Completely Free
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Custom Plan for You
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