About

IUL.Solutions

About IUL.Solutions 

IUL.Solutions is led by Kurtz Lytle, an independent, licensed life insurance professional focused on helping individuals and families protect what matters most, grow safely, and plan for long-term income with confidence.

My work centers on education-first, suitability-based planning—not sales pressure or one-size-fits-all solutions. Every recommendation is personalized to your goals, timeline, and comfort with risk, and designed to hold up through a wide range of economic conditions.

Who I Help

I most often work with:

• Homeowners looking to protect their family and their home
• Individuals holding significant cash who are concerned about inflation
• Pre-retirees seeking growth without direct market exposure
• Retirees looking for predictable, guaranteed income
• Families reviewing existing life insurance or annuity policies

If you already have an advisor and simply want a second opinion or clarity, that’s welcome here.

What I specialize in

My practice focuses on safe-money and protection strategies, including:

• Mortgage Protection Life Insurance designed to protect families—not lenders
• Indexed Universal Life (IUL) used appropriately for flexibility, protection, and long-term planning
• Fixed Indexed Annuities (FIAs) for growth potential without direct market risk
• Guaranteed Lifetime Income strategies for retirement planning and income security

Each solution is evaluated based on suitability, not popularity or trend.

How I work

IUL.Solutions operates virtually through secure Zoom consultations, making it easy to work together regardless of location.

I serve clients in Middle Tennessee and surrounding regions, as well as other states where I am properly licensed. Virtual consultations allow for thoughtful, unhurried conversations—without pressure.

Our Promise 

I believe in education before implementation.

You’ll understand:

• How your policy works
• How growth is calculated
• What trade-offs exist
• How your strategy fits into income, legacy, or accumulation goals

Sometimes the right answer is no change at all. I’m comfortable saying that.

Independence & Suitability

IUL.Solutions is an independent sole proprietorship, not affiliated with any single insurance carrier, broker-dealer, or registered investment advisory firm.

This independence allows recommendations to be made solely in accordance with each state’s suitability and insurance regulations, so you can feel confident your plan is designed with your best interests in mind.

Licensing & Compliance

• National Producer Number (NPN): 8993693
• Resident License: Tennessee #964408
• California License: #4259833
• Errors & Omissions Insurance: CNA Policy #596427449

IUL.Solutions proudly serves clients in states where properly licensed, including:
Tennessee, Texas, Kentucky, Arizona, Ohio, North Carolina, Alabama, Florida, South Dakota, Virginia, Georgia, Pennsylvania, Louisiana, Oklahoma, New Mexico, Arkansas, Washington, South Carolina, California, Minnesota, and Wisconsin.

Properly Structured IULS

Strong Business Integrity

Integrity is at the core of all of our operations. We prioritize transparency, ethics, and doing what's right for clients, fostering long-lasting relationships built on trust and respect.

Client Suitability

All of our solutions are tailored to each client's unique needs and goals. We take a personalized approach, deeply understanding aspirations to provide the most suitable products and services.