At Golden Ratio Insurance Group, we provide a range of life insurance solutions designed to meet the unique needs of every family and individual. Our goal is simple: to protect your loved ones, secure your legacy, and give you peace of mind. Indexed Universal Life (IUL) Insurance Flexible permanent coverage that grows over time. IULs combine life insurance protection with the potential for cash value growth tied to market indexes — giving you long-term security and financial flexibility. Final Expense Insurance A simple, affordable solution designed to cover funeral, burial, and end-of-life expenses. Final Expense insurance ensures your family won’t be burdened financially during difficult times. Term Life Insurance Straightforward, cost-effective coverage for a specific period. Term life is ideal for families looking to protect mortgages, education costs, and other financial obligations without long-term commitment. No matter your stage of life or budget, we’re here to help you find the perfect balance of protection and peace of mind.