Licensing
Julee Neathery is a licensed insurance agent in Texas and Florida. Non-resident insurance licenses are obtained and maintained as required to lawfully serve clients and submit applications in other states. Those states currently include AL, CA, CO, DC, DE, FL, GA, ID, IL, IN, KY, MA, MD, ME, MI, NC, NH, NJ, NM, OH, OK, PA, TN, TX, UT, WA, WI and WV.
Sow Your Seeds for Life operates as a fully remote practice, serving clients nationwide through secure phone and video consultations. We also work with select clients living internationally, where permitted by applicable laws and licensing requirements.
Independent agent
As an independent agent, Julee may work with more than one insurance company and is typically compensated by commissions paid by the issuing carrier when a policy is placed. You never pay us a separate fee for a policy.
Educational purpose only
The content on this website, in our videos, emails and quiz, and during consultations is for educational and informational purposes only. It is not legal, tax or investment advice. Please consult a qualified tax professional, attorney or financial advisor before making financial decisions.
The Infinite Banking Concept (IBC)
IBC uses properly structured, dividend-paying whole life insurance. Results vary based on policy design, underwriting and your individual financial circumstances. It is a long-term strategy, not a get-rich-quick scheme, and whole life insurance is not an investment.
Guarantees, dividends and policy loans
- Guarantees are based on the claims-paying ability of the issuing insurance company.
- Guaranteed cash value growth applies only to the policy’s base guaranteed values. Dividends are not guaranteed, and past dividend history does not guarantee future dividends.
- Policy loans and withdrawals reduce the cash value and death benefit, accrue interest, and may have tax consequences. A policy can lapse if loans are not managed.
- Tax advantages apply to properly structured policies that are not modified endowment contracts (MECs). Consult a qualified tax professional about your situation.
- Policy illustrations are based on current assumptions and are subject to change.
Annuities
Annuities are insurance contracts, not bank deposits. They are not FDIC insured or guaranteed by any bank. Withdrawals may be subject to surrender charges and taxes, including a possible penalty before age 59½.
Medicare supplements
Not connected with or endorsed by the U.S. government or the federal Medicare program. Plan availability varies by state.
Testimonials
Testimonials are shared with permission and reflect individual experiences. They are not representative of all clients and are not a guarantee of future results.
No guarantees or promises
Past performance is not indicative of future results. No guarantees are made regarding policy performance, dividends or financial outcomes beyond those written in the policy contract.