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.

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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]
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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.

The average funeral costs $10,000–$15,000 — 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
An IUL does double duty — protecting your family when you're gone, and building tax-advantaged cash value you can access while you're still alive

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. 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 — 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. Build tax-free retirement income while keeping your family covered.

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

Guaranteed income you can't outlive. Fixed and indexed annuities offer market-linked growth with principal protection — the cornerstone of a secure retirement.

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 Reviews

Real Experiences. Real Results.

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

J
Janice
Verified Client

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

C
Cici
Verified Client

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

S
Shine
Verified Client
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. Starting early locks in the best rates for life.
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 identify the best fit based on your health profile and coverage goals.
An Indexed Universal Life (IUL) policy offers flexible premiums and a cash value component tied to a stock market index like the S&P 500. Your gains are capped, but your principal is protected from market losses — making it a powerful tool for building tax-free retirement income.
Yes. The cash value in your IUL grows tax-deferred and can be accessed through policy loans or withdrawals — often tax-free. Many clients use it to supplement retirement income, cover a major expense, or build an education fund. Policy loans reduce the death benefit if not repaid, so I'll help you plan withdrawals strategically.
An annuity is a contract with an insurance company that provides guaranteed income — either immediately or starting at a future date. It's especially valuable for retirement: it eliminates the fear of outliving your savings. Fixed and indexed annuities offer growth potential with no stock market downside risk.
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.

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