As an independent life insurance broker, I represent dozens of top-rated carriers — not one company. That means you get unbiased guidance, competitive pricing, and a policy that actually fits your life.
I'm Fay Issa, an independent life insurance broker based in Troy, Michigan. My career began in mortgage banking, where I spent years guiding clients through some of the biggest financial decisions of their lives — and I saw firsthand how many families closed on a home with no protection behind it. That gap led me to life insurance, and I never looked back. Going independent means I work for you, not any single carrier.
Today, I work with clients across all 50 states, specializing in Indexed Universal Life (IUL), term life, mortgage protection, and tax-free retirement strategies. My mortgage banking background gives me a unique edge — I understand debt, assets, and financial planning holistically. Whether you're a first-time buyer or a business owner, I bring clarity, honesty, and genuine care to every conversation.
"My mission is simple: give every family access to the same sophisticated financial tools that the wealthy have used for generations — without the jargon, pressure, or hidden agendas."
Affordable, straightforward coverage for a defined period. Ideal for income replacement, mortgage protection, and young families who want maximum coverage at minimum cost.
Permanent coverage with guaranteed cash value growth. A time-tested tool for generational wealth transfer, final expenses, and guaranteed death benefits.
Grow your cash value linked to market indexes — without the downside risk. Tax-free retirement income, living benefits, and flexible premiums make IUL a powerful financial tool.
Whole life policies designed to cover funeral costs and end-of-life expenses. Guaranteed approval options available. Give your family peace of mind when it matters most.
Guaranteed income streams for retirement. Fixed, indexed, and multi-year guaranteed annuities to protect your nest egg from market volatility and outliving your savings.
If something happens to you, your family keeps the home. Mortgage protection policies pay off your remaining balance, keeping your loved ones off the street and in the life you built.
Key Man Insurance to protect your business if a critical employee passes. Buy-Sell agreements funded with life insurance to ensure ownership transitions seamlessly and fairly.
The Power of Independence: Because I'm not captive to any single carrier, I shop the entire market on your behalf. You get honest, objective comparisons — not a sales pitch for whatever company pays me the most. My loyalty is to you.
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As contribution limits squeeze high earners out of traditional tax-advantaged accounts, indexed universal life policies are quietly becoming the go-to vehicle for tax-free retirement income...
In an industry dominated by captive agents, independent brokers who access the full carrier market are saving clients hundreds per month and finding policies that would otherwise never be offered...
The average funeral now costs between $8,000 and $12,000. Most families find out the hard way that they're not prepared. Here's the simple, affordable solution that takes less than 10 minutes to set up...
Most business partners have a handshake agreement about what happens if one of them dies or becomes disabled. Without a properly funded buy-sell agreement, that handshake can cost families everything...
Fay completely changed how I think about life insurance. I came in thinking I just needed a basic term policy, and I left with an IUL that's already building serious cash value. Three years in and I feel completely protected AND like I'm building real wealth for retirement.
After my husband passed, I realized how unprepared we were. Fay helped me get final expense coverage for myself and my mother within a week. The process was so simple — no medical exam, no hassle. I wish we'd found her sooner. My mind is completely at ease now.
As a self-employed contractor, I never had access to employer retirement benefits. Fay showed me how to use an IUL as a tax-free retirement vehicle. I'm now putting $800/month in that builds tax-free and protects my family. Best financial decision I've made in a decade.
We were shopping for mortgage protection and every agent we talked to tried to sell us overpriced policies. Fay compared 8 different carriers and found us a policy that covered our full mortgage for $43/month less than the next best quote. The savings over 30 years is over $15,000.
My business partner and I finally have our buy-sell agreement properly funded. If something happens to either of us, the other one doesn't lose the business and the family gets paid fairly. Fay walked us through every option and explained things without all the insurance jargon.
I was skeptical about term life — I'd heard the "you'll never use it" argument. Fay explained it perfectly: it's not about using it, it's about your family not losing everything if you do. Got a 20-year $750K policy for less than my Netflix subscription. A no-brainer.
Indexed Universal Life insurance is one of the most misunderstood — and most powerful — financial tools available. These are the questions I hear most often from clients. No jargon, no spin. Just straight answers.
Talk to Me About IULWe start with a no-pressure call or video meeting to understand your goals, family situation, budget, and what keeps you up at night. Zero sales pitch — just listening.
I analyze your income, debts, dependents, existing coverage, and retirement goals to determine exactly what type and amount of coverage creates real security for your family.
I shop your profile across 30+ top-rated carriers simultaneously — comparing rates, underwriting, riders, and policy design so you see every option side by side, transparently.
We submit your application, handle all carrier communication, and I remain your dedicated broker for life — annual reviews, beneficiary updates, and any policy questions forever.
Fill out the form below and I'll reach out within 1 business hour to get you a customized quote.
Your information is 100% private and secure. I will never sell, share, or spam your contact information. By submitting this form you agree to be contacted by Fay Issa regarding your insurance inquiry.
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Did you know? An IUL policy can grow your cash value tax-free AND give you a death benefit. It's the Swiss Army knife of life insurance 🔥 Drop a 💰 in the comments if you want to learn more...
📊 IUL in 60 seconds: Zero market risk. Indexed growth. Tax-free retirement income. Living benefits. Save this post and share it with someone who's still using a 401k as their only retirement plan. 👆
I've helped 200+ business owners fund their buy-sell agreements this year alone. Here's the exact framework we use, and why most businesses get it wrong by waiting too long... [Read full article →]
IUL vs 401K vs Roth IRA — Which one actually wins in 2024? I ran the real numbers side-by-side. The results might surprise you. This is the video I wish someone made for me 10 years ago.