The Complete Advisor Ecosystem.
The Product Portfolio
Behind Your Best
Work.
A Comprehensive Suite Built to Serve Every Client Situation.
The Complete Advisor Ecosystem.
The Product Portfolio
Behind Your Best
Work.
A Comprehensive Suite Built to Serve Every Client Situation.
FundaDream gives you access to an elite product portfolio spanning protection, income, accumulation, health, and group benefits — carefully curated to ensure you have the right solution for every planning conversation.
FundaDream gives you access to an elite product portfolio spanning protection, income, accumulation, health, and group benefits — carefully curated to ensure you have the right solution for every planning conversation.
What's Available Through FundaDream
Every product in the FundaDream portfolio has been selected for the breadth it provides across the planning spectrum — from basic income protection to complex estate planning solutions, from individual coverage to employer-sponsored group programs. If a client has a planning need, FundaDream has a solution designed to address it.
The four categories below represent the full scope of what FundaDream professionals can offer. Each category includes a range of product types to match the complexity and objectives of each client situation. Your FundaDream case design team is available to help you identify the right product, structure the case, and navigate underwriting for any opportunity in your pipeline.
Life Insurance
Solutions for protection, accumulation, and estate planning.
Term Life Insurance Affordable, straightforward death benefit protection for a defined period. Ideal for income replacement, mortgage protection, and temporary needs. Available in a range of term periods with conversion options. Get help | Whole Life Insurance Guaranteed permanent protection with guaranteed cash value growth and guaranteed death benefit. The foundation of long-term financial security and estate planning for clients who value certainty. Get help |
Survivorship Whole Life Covers two lives under a single policy, paying the death benefit at the second death. Widely used in estate planning for estate tax liquidity and legacy transfer between spouses or business partners. Get help | Universal Life Insurance Flexible permanent protection with adjustable premiums and death benefit. Provides a balance of lifetime coverage and cash value accumulation with greater flexibility than whole life. Get help |
Survivorship Universal Life Two-life coverage on a universal life chassis. Cost-effective estate planning solution for clients focused on second-to-die estate tax liquidity without the premium commitment of survivorship whole life. Get help | Variable Universal Life (VUL) Permanent life insurance with investment subaccounts allowing equity market participation. Designed for clients seeking tax-deferred accumulation alongside permanent death benefit protection. Get help |
Extensive Riders Available Living benefit riders, chronic illness riders, disability waiver, accidental death, children’s term, and additional options across the portfolio. Riders can meaningfully expand the value delivered to clients. Get help |
Annuities
Income, accumulation, and retirement solutions for every risk profile.
Deferred Fixed Annuities Guaranteed interest rate accumulation with tax-deferred growth. A conservative alternative to CDs and savings vehicles for clients seeking principal protection and predictable growth during the accumulation phase. Get help | Fixed-Index Annuities (FIA) Accumulation linked to a market index with downside floor protection. Clients participate in index-based growth potential without direct market exposure, making FIAs one of the most versatile accumulation and income planning tools available. Get help |
Single Premium Immediate Annuities (SPIA) Converts a lump sum into a guaranteed income stream beginning within 12 months of purchase. The purest form of lifetime income planning — ideal for clients entering retirement who need immediate, predictable cash flow. Get help | Income Annuities Structured to provide guaranteed lifetime income, either immediate or deferred. Addresses the core retirement planning risk of outliving assets by converting savings into an income stream that cannot be outlived regardless of market conditions or longevity. Get help |
Critical Illness, LTC & Disability Income
Protection against the financial impact of illness, injury, and long-term care
Critical Illness Insurance Pays a lump-sum benefit upon diagnosis of a covered critical illness such as cancer, heart attack, or stroke. Provides clients with financial flexibility during recovery to cover medical expenses, lost income, or any other need without restrictions. | Long-Term Care (LTC) Solutions Standalone LTC policies and hybrid life/LTC products that address one of the most significant and underplanned financial risks in retirement — the cost of extended care. Hybrid products provide coverage even if long-term care is never needed. |
LTC Riders on Life Insurance Living benefit and chronic illness riders attached to permanent life insurance policies allow clients to accelerate the death benefit to cover qualifying long-term care expenses — combining protection and LTC planning in a single policy. | Disability Income Insurance Replaces a portion of income if a client is unable to work due to illness or injury. Tailored solutions available for specialized occupations, high-income professionals, and business owners whose earning capacity is their most valuable asset. |
Specialized Occupation Solutions Products designed for physicians, dentists, attorneys, and other professionals whose occupation-specific definitions of disability require specialized contract language and benefit structures not available in standard DI products. | High-Income Disability Solutions Individual disability income products designed to replace a meaningful percentage of income for executives, business owners, and high earners whose income significantly exceeds standard group benefit maximums. |
Group Benefits
Voluntary and employer-sponsored protection programs that attract, retain, and reward talent.
Group Whole Life Insurance Employer-sponsored permanent life insurance providing a portable death benefit to employees at group rates. A differentiated benefit that delivers lifelong value — unlike term-only group programs that expire at employment termination. | Group Accident Insurance Coverage that pays benefits for injuries resulting from covered accidents, including fractures, dislocations, hospitalizations, and accidental death. A low-cost, high-perceived-value voluntary benefit that complements major medical coverage. |
Group Critical Illness Insurance Employer or voluntary group programs providing lump-sum benefits upon diagnosis of covered critical illnesses. Allows employers to offer meaningful supplemental protection at competitive group rates without significant employer cost. | Voluntary Benefit Programs Employer-sponsored platforms that allow employees to select from a range of supplemental products — life, disability, accident, critical illness, and more — tailored to individual needs and payroll-deducted for convenience. |
The Portfolio At A Glance
FundaDream’s product access spans the full planning spectrum. The table below summarizes the planning need each category addresses.
CATEGORY | PLANNING NEED | IDEAL CLIENT SITUATION |
Life Insurance | Death benefit protection, estate planning, cash value accumulation | Income replacement, estate tax liquidity, business continuation, legacy transfer |
Annuities | Retirement income, guaranteed accumulation, longevity protection | Pre-retirees, retirees seeking income certainty, clients at or near required minimum distributions |
Critical Illness, LTC & Disability | Income and asset protection against health events | Working professionals, business owners, high-income earners, pre-retirees concerned about care costs |
Retirement Savings | Tax-advantaged accumulation beyond qualified plan limits | Business owners, executives, high earners, clients seeking tax diversification |
Group Benefits | Employer-sponsored employee protection and retention | Business owners, HR decision-makers, benefits brokers, employee populations |
Concierge-level Case Support Across Every Category
Access to products is only part of what FundaDream provides. Every case you bring to FundaDream is supported by a dedicated team that knows the carriers, understands the underwriting, and is positioned to help you close. Advanced case design, underwriting advocacy, and white-glove support are available for every product category in the portfolio.
If you have a client situation and are not sure which product category fits best, or if you need help structuring a complex case across multiple categories, FundaDream’s case design team is your first call.
Every case you work through FundaDream is part of a firm that directs a portion of its corporate revenues to IRS-recognized 501(c)(3) youth athletic organizations — as a corporate commitment, not a professional benefit. This is who FundaDream is as a company.
IMPORTANT DISCLOSURES
Product availability varies by carrier, state, and individual eligibility. Not all products listed are available in all states or to all applicants. Product descriptions on this page are for general informational purposes only and do not constitute a solicitation or offer to sell any specific insurance or annuity product. All products are subject to underwriting approval and applicable state insurance regulations. Riders and benefits are subject to additional charges, terms, conditions, and limitations. Variable products involve investment risk, including possible loss of principal, and are sold by prospectus. FundaDream Insurance Solutions, Inc. is a licensed California insurance corporation. Consult the applicable carrier contract for full terms, conditions, and limitations. FundaDream’s charitable giving is made from general corporate revenues at the sole discretion of FundaDream leadership and does not constitute compensation to any licensed insurance professional.
The decision to purchase life insurance should be based on long-term financial goals and the need for a death benefit. Life insurance is not an appropriate vehicle for short-term savings or short-term investment strategies. While the policy allows for loans, you should know that there may be little to no cash value for loans in the policy’s early years.
The information provided is not written or intended as specific tax or legal advice. FundaDream, its employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.
No Offer of Employment or Partnership: Nothing on this page constitutes an offer of employment, independent contractor engagement, or professional partnership. Any professional relationship with FundaDream Insurance Solutions, Inc. is subject to a full application and vetting process and requires written agreement from an authorized FundaDream representative. FundaDream reserves the right to accept or decline any application at its sole discretion.
Insurance products and services are offered through FundaDream Insurance Solutions, Inc., California License No. 0M95835