First Principles x 19th Hole
Choose Your Shot Shape
Three insurance structures built for high-income engineers. Select a club below to view its technical specifications.
Term Life — The Approach Iron
Pure protection for a defined window. Like selecting the right iron for a precise shot distance.
Technical Specs
- Protecting income during peak earning years
- Covering a mortgage or major liability
- Bridging until permanent coverage is in place
- Starting out and optimizing cash flow
The Pro Fit
- Early-career W-2 engineers with dependents
- RSUs or stock options as primary wealth driver
- Complementing employer group life coverage
- Low-cost foundation while building net worth
"Think of term like a par-3 iron — precise, purposeful, and exactly right for the yardage. It's not the whole game, but it wins critical holes."
Permanent Life — The Fairway Wood
Tax-advantaged wealth that builds over time — a fairway wood for the long game.
Technical Specs
- Maxing out 401(k) and still have excess income
- Wanting tax-free retirement income via policy loans
- Building a parallel tax-advantaged asset
- Estate planning and wealth transfer goals
The Pro Fit
- High-income engineers in the 32–37% brackets
- W-2 earners with limited business deductions
- Those concerned about future tax rate increases
- Tech employees with large deferred compensation
"Permanent coverage compounds like a well-read fairway wood — versatile, powerful, and built to keep pace no matter how long the hole plays."
Bank Funded — The Driver
Leverage borrowed capital to create tax-free wealth without depleting your assets.
Technical Specs
- High net worth needing tax-free leverage
- Assets exist but liquidity is tied up
- Seeking outsized death benefit without large outlay
- Complementing a defined benefit or qualified plan
The Pro Fit
- Senior engineers, directors, or founders
- $500K+ income with significant investable assets
- Executives with deferred comp or pension income
- Those who've already maxed all qualified plans
"Bank funding is the driver — when you need maximum distance and the conditions are right, nothing else reaches the same green."