Independent Life Insurance Broker · Tampa, FL

Clear answers on IUL, mortgage protection and annuities.

Meek Ivanovskiy compares options from multiple carriers and explains the fine print in simple English, so you understand exactly what you’re buying before you decide.

  • Licensed independent broker
  • Multiple carriers compared
  • No sales quotas
  • Phone and video appointments
Mikhail “Meek” Ivanovskiy, independent licensed life insurance broker
Licensed broker · Mikhail “Meek” IvanovskiyIUL · Mortgage Protection · AnnuitiesIndependent. Multiple carriers.
About M2EK

Meet Meek Ivanovskiy

Hi, I’m Meek, an independent licensed life insurance broker serving clients across multiple states. Insurance shouldn’t feel like a mystery, that’s why I work to be a true subject matter expert in every product I offer. I study the details, keep up with changes across carriers, and dig into the fine print so I can explain exactly how a policy works, what it covers, and where its limits are.

My goal is simple: when we’re done talking, you should fully understand your options and feel confident in your decision. I’ll walk you through the pros and cons in plain language, answer every question, and make sure nothing catches you off guard down the road.

As an independent broker, I’m not tied to a single company. That means I can compare options from multiple carriers and recommend what actually fits your needs and budget, not what fits a sales quota. Whether you’re protecting your family, building long-term financial security, or planning for the future, I’m here to be your guide and your resource long after the paperwork is signed. Let’s talk about what matters most to you.

Meek Ivanovskiy helping a client by phone
Product

Indexed Universal Life (IUL)

An IUL is permanent life insurance that also builds cash value. Part of each premium goes into an account that earns interest based on how a market index, such as the S&P 500, performs. You don’t invest in the market directly, and a floor protects the account when the index goes down.

Who it’s for: People who want lifelong coverage, have room in their budget for higher premiums, and want a long-term way to build cash they can use later.

Key points

  • Living benefits: many policies let you use part of the death benefit early if you have a qualifying chronic, critical or terminal illness.
  • Index-linked growth with a floor: gains are credited up to a cap; in down years the floor (often 0%) keeps credited interest from going negative.
  • Tax-advantaged access: cash value grows tax-deferred, and policy loans and withdrawals can often be taken income-tax-free when the policy is set up and managed correctly.
  • Risks to understand: caps, participation rates and fees can change, costs rise with age, and a policy that is underfunded or over-borrowed can lapse and trigger taxes.

IULs are insurance products, not securities, and do not directly participate in any stock or index. Guarantees depend on the issuing carrier’s claims-paying ability. Loans and withdrawals reduce cash value and the death benefit. This is not tax advice.

Product

Mortgage Protection

Mortgage protection is life insurance sized to your home loan. If you die during the policy term, it pays a tax-free benefit your family can use to pay off or keep up with the mortgage, so they can stay in the home.

Who it’s for: Homeowners, especially families on one or two incomes, who want to make sure a mortgage never forces their loved ones to move.

Key points

  • Pays the mortgage if you die: the benefit goes to your family, not the bank, so they choose how to use it.
  • Optional living benefits: some policies pay out early for a qualifying critical, chronic or terminal illness, or include disability riders.
  • Return of premium option: on some policies, if you outlive the term you can get back the premiums you paid.
  • Fits your loan: terms and amounts can match your balance and years left on the mortgage.

Riders and return-of-premium features vary by carrier and state and add cost. Coverage is subject to underwriting and policy terms.

Product

Annuities

An annuity is a contract with an insurance company that protects savings and can turn them into income. A fixed annuity pays a set interest rate. A fixed indexed annuity credits interest based on a market index, with a floor so you don’t lose money when the index drops.

Who it’s for: People nearing or in retirement who want to protect what they’ve saved and create income they can’t outlive.

Key points

  • Principal protection: your money is not exposed to market losses, as long as you keep the contract for its full term.
  • Fixed and fixed indexed choices: a set rate for predictability, or index-linked interest with caps and a floor.
  • Guaranteed lifetime income: optional income riders can pay you for life, however long that is.
  • Things to know: surrender charges apply if you take out more than allowed early, and withdrawals before age 59½ may face a 10% IRS penalty.

Annuities are insurance products, not bank deposits, and are not FDIC insured. Guarantees depend on the issuing carrier’s claims-paying ability. Income riders may carry an added fee.

Who we serve

Based in Tampa. Serving clients in multiple states.

From downtown Tampa, M2EK LLC works with families, homeowners and pre-retirees across Florida and other states where Meek is licensed. Appointments by phone or video.

Articles

Learn the basics

How an IUL builds cash value

Index crediting, caps and floors explained, plus the costs to ask about before you buy.

Is mortgage protection the same as term life?

How these policies work, who they suit, and what happens as your loan balance falls.

Fixed vs. fixed indexed annuities

What guarantees mean, how surrender periods work, and when an annuity may not fit.

Contact

Let’s talk about what matters most to you.

M2EK LLC
101 N Meridian Ave, Unit 1310, Tampa, FL 33602
[email protected]
(813) 300-2343
Call (813) 300-2343Request a review