Andrew Liu Pro | Protection & Retirement Expert
Verified Protection & Retirement Expert

Protect Your Family Today. Secure Your Retirement Tomorrow.

Life doesn't send a warning before it changes. But you can be ready for it.
I help families put the right protection and retirement plan in place, so the people you love are taken care of now, and your income never runs out later.

Book a Free Call
English · Chinese Bilingual
No Obligation
Independent · No Carrier Bias
Multi-generational family
Andrew Liu
Licensed Broker-Agent
About Me
Andrew Liu
Independent Insurance & Annuity Specialist

I do this work because I believe everyone deserves honest, clear, easy-to-understand advice, not just the people who already know what to ask. Too many end up with the wrong policy and regret it later, simply because no one took the time to explain.

National Producer Number: 20478781
562-739-3339
[email protected]
Book a Free Call
Why It Matters

Protection & Retirement, Explained Simply

You don't need to be a financial expert. Here's what every family should know.

Who Protects Your Family If You Can't?

When income stops suddenly, your family doesn't get a grace period. The mortgage, bills, and daily costs of living continue, regardless of what just happened.

Once you add the cemetery plot and casket, a funeral commonly runs $10,000–$15,000 (NFDA figures plus cemetery costs) — and that's before the outstanding loans and credit cards your family still owes
Debt doesn't die with you — your family inherits your financial obligations alongside their grief
Children's education and long-term financial security can become uncertain overnight
Life insurance doesn't only pay out on death. Many policies carry living benefits, letting you apply for part of the payout early in the event of a serious illness or long-term loss of independence

Will Your Savings Actually Last?

A 401(k) can grow for decades and still run out in retirement. Without a guaranteed income floor, a single market downturn can permanently alter how long your money lasts.

Social Security replaces about 40% of pre-retirement income (SSA). An annuity fills the gap, predictably and permanently
The average retirement lasts 20+ years. Most savings strategies weren't designed to go that distance
Extended care can cost $100,000+ per year (Genworth). And most families have no plan to cover it
Many annuities include a death benefit. If you pass before collecting your full value, the remainder goes to your heirs, not back to the insurance company
What I Offer

Protection & Retirement Solutions

Five solutions, one goal: protect what matters today and guarantee income that lasts a lifetime.

Term Life Insurance

Affordable coverage for a set period. Ideal for young families, mortgage holders, and income replacement. Pure protection when you need it most.

Whole Life Insurance

Lifetime coverage with guaranteed cash value growth. A stable, tax-advantaged asset that protects your family while building long-term wealth.

Indexed Universal Life (IUL)

Flexible life insurance that grows with market indexes, with downside protection. It builds cash value alongside your family's coverage, and you can draw on it tax-free when you need it, as long as the policy stays in force.

Long-Term Care Insurance

Protect your retirement savings from the high cost of extended care. Covers nursing homes, assisted living, and home care so your family isn't burdened.

Annuities

A lifetime income annuity pays for as long as you live. You cannot outlive it. Fixed and indexed annuities offer principal protection and growth potential. These guarantees are backed by the issuing insurer.

Why Work With Me

Real Advice. Zero Pressure.

I work for you — not any carrier. Here's what that looks like in practice.

Truly Independent

I'm not tied to any single carrier, which means I compare options across the market with one goal: finding what fits your situation.

Multilingual Support

Consultations in English, Traditional Chinese, and Simplified Chinese, so nothing gets lost in translation.

Customized Solutions

Before I recommend anything, I listen. Your income, debts, family situation, and timeline. The plan we build together reflects your actual life.

Straight Talk

I walk you through every option: what it costs, how it works, what it covers, and what I'd choose if I were in your position. No scripts, just straight answers.

100+
Insurance Partners
127+
Clients Served
4+
Years of Experience
100%
Independent
Client Feedback

Real Experiences

"The process was simple and clear. No nonsense. I finally understood what exactly I was buying."

J
J.
California · Lifetime income annuity client

"I was tired of worrying about market crashes. Now I know my income is protected."

C
C.
California · Lifetime income annuity client

"No pressure at all. Just honest answers, and options that made sense for me. I felt like someone was actually on my side."

S
S.
Washington · Life insurance client

Individual client experiences. Results vary by person and by policy.

Common Questions

Frequently Asked Questions

The best time is now. Premiums are based on your age and health. The younger and healthier you are, the lower your rate. Waiting means paying more later, or potentially becoming uninsurable due to a health change.
A common starting point is 10–12× your annual income, but the right amount depends on your debts, dependents, lifestyle, and retirement goals. I'll walk you through a personalized needs analysis so there's no guesswork involved.
Term life provides coverage for a specific period (10, 20, or 30 years) at a lower cost, ideal for temporary needs like a mortgage or income replacement. Whole life covers you for your entire life and builds guaranteed cash value over time, making it both protection and a long-term financial asset.
In many cases, a medical exam may be required for IUL policies, especially for higher coverage amounts. However, some carriers offer simplified underwriting for lower coverage limits, meaning you may qualify without a full exam. During your consultation, I'll help you find the right approach based on your health profile and coverage goals.
An Indexed Universal Life (IUL) policy offers flexible premiums and cash value growth tied to a stock market index like the S&P 500. Your gains are capped, but your principal is protected from market losses. Keep in mind that an IUL is still life insurance at its core, with the death benefit as its foundation. It can be designed purely to maximize coverage, or to build cash value for retirement income, education funding or a major expense. That flexibility is its greatest strength and its greatest challenge. So what really matters is how the policy itself is designed.
Yes. The cash value in your IUL grows without being taxed, and there are two ways to access it, and the difference matters. A policy loan is not counted as income in the year you take it, as long as the policy stays in force; this is how most people create tax-free cash flow. A straight withdrawal is taxable on anything above the premiums you've paid. Two things to watch: an outstanding policy loan reduces the death benefit, and if the policy lapses or is surrendered, the outstanding loan amount can become taxable income.
An annuity is a contract with an insurance company, and the design changes what it does: a lifetime income annuity provides guaranteed retirement income, now or starting later; an indexed growth annuity is built for accumulation, offering growth potential without exposure to market declines.
Most annuities include a surrender period, typically 5 to 10 years, during which early withdrawals may carry a fee. However, most contracts allow penalty-free withdrawals of up to 10% per year, and many waive fees entirely for qualifying events like serious illness or nursing home care. I'll walk you through the full terms before you commit to anything.
Take the First Step

The Right Coverage for Today. The Right Income for Tomorrow.

One conversation to figure out the protection and retirement plan that actually fits your life.

Book a Free Call