Term Life & Family Protection
Coverage for a set period, often used to protect income years and family obligations.
Life Insurance & Family Protection
Understand your life insurance options, protect your family, and make a decision that fits your budget.
Work directly with Steven Spencer, a Washington licensed life insurance producer and Experior Financial Associate.
Evaluate. Explain. Execute.
Steven Spencer
U.S. Navy Chief · Washington Life Insurance Producer
ExperiorCoverage Conversations
These are the conversations most families start with. Each one is about understanding what you have, what you may need, and what the tradeoffs look like.
Coverage for a set period, often used to protect income years and family obligations.
Designed to remain in force for life when adequately funded, subject to policy terms. Cash value features and costs vary.
Permanent coverage with cash value tied partly to an index — not direct stock investing. Explained in plain terms below.
General insurance information only. Availability of any specific product depends on the carrier, state, underwriting, and policy terms.
Plain-Language Education
Indexed Universal Life is permanent life insurance. It is worth understanding both what it may offer and what it depends on before deciding anything.
Permanent death benefit protection while the policy stays in force.
Cash value with interest crediting based partly on an index — this is not direct stock investing.
Flexibility within policy terms, such as adjusting premiums or accessing cash value where the policy allows.
Caps and participation rates affect indexed credits, and these terms vary by policy.
A 0% indexed crediting floor is not protection from policy charges — cash value can decline.
Funding and ongoing reviews matter. Inadequate funding can cause a policy to lapse.
Surrender charges may apply, and loans or withdrawals can reduce cash value and the death benefit and may create tax consequences — consult a tax professional.
Policy illustrations show both guaranteed and non-guaranteed values. Projections are not forecasts or promises, and not all IUL policies share identical terms, floors, or crediting rates.
Independent Educational Resources
External educational links provided for general information only. No carrier appointment, affiliation, or endorsement is implied.
Meet Steven
Steven Spencer spent years in U.S. Navy leadership, where clear communication and accountability are not optional. He brings that same approach to his work with families — direct, plain-spoken, and focused on helping you understand what you are actually buying.
Steven is a Washington licensed life insurance producer and an Experior Financial Associate. He works with individuals and families as an independent professional, helping them review life insurance options and make an informed decision.
Washington Life Insurance Producer WA License 1373444 NPN 22317877
This links to the Washington Office of the Insurance Commissioner's general agent and company lookup tool. It is provided for your independent verification and does not represent a license lookup result. Steven's military service is personal background and does not imply government endorsement of any insurance product or service.
A clear conversation can help you understand your options and choose protection that fits your family and budget.
The Experior Connection
Experior Financial Group is an insurance distribution and agent support organization. It provides insurance professionals with education and ongoing business support. It is not the issuing insurance carrier.
Steven works as an Experior Financial Associate, an affiliation confirmed through his signed-in agent portal. He works with clients in his individual capacity as a licensed life insurance producer. Insurance services are provided by Steven independently of Chief Investment Properties LLC's real-estate services.
This describes Steven's professional affiliation only. It is not a claim that Experior is registered with the Washington OIC as an agency affiliation, and it is not a claim of currently available carrier products or appointments.
Visit Experior Financial (USA) — external siteOpens the official Experior Financial USA website in a new tab. This link is provided for general information about the organization.
What to Expect
No pressure, no obligation, and no need to have it all figured out before we talk.
We start with what matters to you — your family, your obligations, and any coverage you already have.
We look at coverage structures that may fit your situation, and talk honestly about cost, terms, and what each option does and does not do.
Whether you move forward or not, you leave understanding your options. The decision is always yours to make.
Common Questions
It is a conversation, not a pitch. We talk through your situation — family, obligations, and goals — and then review what coverage options may be worth considering. You can ask any question, and there is no expectation that you decide anything that day.
No. Indexed Universal Life is a permanent life insurance product with policy-dependent cash value features and costs. It is not direct stock-market investing, and indexed credits and non-guaranteed values vary. Suitability depends on your individual needs, budget, and how long you intend to keep the policy. It is simply one option among others, and it is not the right fit for every household.
Steven is a Washington licensed life insurance producer with Life authority — WA OIC license 1373444. Product availability is subject to carrier appointments, underwriting, and policy terms. A consultation is an educational conversation about how coverage generally works; it does not confirm that any particular product is currently available to you.
None at all. There is no obligation to purchase anything, and no pressure to decide on a timeline that is not yours. The purpose of the conversation is to help you understand your options and make an informed decision — whatever that decision turns out to be.
Yes. A 0% indexed crediting floor is not protection from policy charges, and cash value can decline. Caps and participation rates affect indexed credits, and these terms vary by policy. Inadequate funding can cause a policy to lapse, and surrender charges may apply. Loans and withdrawals can also reduce cash value and the death benefit and may create tax consequences — consult a tax professional. Ongoing reviews help keep a policy on track.
An illustration shows both guaranteed and non-guaranteed values, so it helps to compare them side by side rather than focus on a single projection. Projections are not forecasts or promises. Review the premium you are committing to, the policy charges, any surrender charge schedule, the cap and participation rate terms, and how sensitive the values are if funding stops or performs below expectations.
Experior Financial Group is an insurance distribution and agent support organization. It provides insurance professionals with education and ongoing business support — it is not the issuing insurance carrier, and it does not issue policies. Steven is affiliated with Experior as an independent financial associate, an affiliation confirmed through his signed-in agent portal. Insurance services are provided by Steven independently of Chief Investment Properties LLC's real-estate services.
Get Started
Reach out directly to Steven to start a conversation about life insurance and family protection. Call or email — whichever is easier for you.
Consultation availability: Monday – Friday, noon – 5 PM Pacific, by arrangement.
Request a Consultation
Tell Steven a little about what you would like to review. This is a conversation request only — no obligation, and no insurance application is started here.
Insurance services are provided by Steven Spencer in his individual capacity, separate from Chief Investment Properties LLC's real-estate services. Chief Investment Properties LLC is not a licensed insurance agency or an Experior subsidiary.
Steven Anthony Spencer is an active Washington Insurance Producer with Life authority — WA OIC license 1373444, NPN 22317877. Product availability is subject to carrier appointments and policy terms. No carrier appointments or agency affiliations are claimed here, and no specific carrier products, quotes, or guarantees of insurability are offered or implied.
Experior Financial Group is an insurance distribution and agent support organization, not the issuing carrier. Steven's Experior Financial Associate affiliation is confirmed through his signed-in agent portal and is not a claim of OIC-registered agency affiliation.
This page provides general insurance information, not individualized investment or tax advice. No guarantees of cash-value growth or policy suitability are made. Indexed Universal Life is permanent life insurance with policy-dependent cash value features and costs, and is not direct stock-market investing.