Initial Consultation
Discuss your goals, current concerns, and preferred outcomes with a knowledgeable team member. This conversation helps clarify priorities and identify suitable service options.
Find practical service solutions designed to address your needs with clear communication, thoughtful recommendations, and dependable support. This page outlines available offerings, explains what to expect, and answers common questions so you can make an informed decision before getting started. Review the options, learn about the approach, and connect with the team when you are ready to discuss your requirements.
Explore practical offerings designed to provide clear guidance, dependable execution, and support aligned with your requirements.
Discuss your goals, current concerns, and preferred outcomes with a knowledgeable team member. This conversation helps clarify priorities and identify suitable service options.
Receive recommendations shaped around the information you provide, your objectives, and the conditions affecting the work. The focus remains on useful, relevant support.
Get continued communication and assistance as your service needs develop. The team remains available to help clarify next steps and answer practical questions.
Indexed universal life is permanent life insurance first. For a career that may pay out over a handful of years rather than thirty, the funding schedule matters more than the crediting rate, and any potential tax-advantaged access later depends on the policy being properly structured, funded and managed. We model early career end, premium interruption, MEC limits, surrender charges and loan mechanics against term insurance, a taxable brokerage account and qualified plans. Not everyone should buy an IUL. Illustrations are models, not guarantees: the non-guaranteed column reflects current assumptions the carrier can change.
Athletes who funded heavily during peak years with a written plan for what happens when the income stops, and others who were better served by term insurance and a taxable brokerage account.
A compressed earning window changes every assumption in an illustration. We model the career ending early, not late. An IUL is life insurance first, and not everyone should buy one.
Understand your options through direct explanations and practical recommendations tailored to your situation.
Receive attentive communication throughout the conversation, planning, and follow-up stages of service.
Benefit from a considered approach that keeps your goals, priorities, and available information in view.
Work with a team focused on respectful interactions, careful attention, and consistent support.
Get to know the people supporting your service experience.
CEO / Founder
Robert Balgac is the Founder and CEO of Black Swan Insurance Group, an insurance brokerage he established in 2017 in Ohio. Born and raised in communist Eastern Europe, Robert moved to the United States at age 18 with limited English skills and a determination to build a better life. He went on to build a successful career with several Fortune 500 companies before founding Black Swan Insurance Group to help families and businesses protect themselves from unexpected tragedies and plan for a dignified, comfortable retirement. Under his leadership, the company has grown to serve over 20,000 families and businesses across Ohio, earning an A+ Better Business Bureau rating and hundreds of five-star Google reviews. Robert is deeply committed to transparency, integrity, and personalized guidance, ensuring every client receives tailored insurance and financial strategies designed around their unique needs and long-term goals.
Because the earning window is compressed. A career that produces most of a lifetime's income in a handful of years creates a planning problem most products are not built for: large surplus cash flow now, decades of spending later, and qualified-plan limits that absorb very little of it. That is a real gap. It does not automatically mean an insurance policy is the answer.
Questions on funding during peak earning years, what happens if premiums stop, surrender charges, policy loans, and how an IUL compares with a brokerage account or a 401(k). If IUL does not fit, we will tell you that too.
Schedule a call to see whether an Indexed Universal Life strategy fits your goals, with the fees, caps, and alternatives laid out plainly.
For immediate assistance, feel free to give us a direct call at (513) 647-3110. You can also send us a quick email at admin@black-swan-insurance-group.com.