About Contractors Choice Agency
We are a team of former contractors and PUA specialists with one mission: helping clients build maximum tax-free wealth through expertly designed paid-up additions whole life policies.
Our Story
Contractors Choice Agency was founded by insurance professionals with backgrounds in the contracting trades. We saw firsthand how hard-working tradespeople built businesses and income — but struggled to build lasting, tax-advantaged wealth.
We discovered the power of paid-up additions and overfunded whole life insurance, and we became obsessed with it. We trained under IBC practitioners, studied every major carrier's PUA rider structure, and built a specialty practice around PUA policy design.
Today, we are one of the few independent agencies in the country that focuses exclusively on PUA-optimized whole life insurance. We have helped hundreds of clients — contractors, business owners, high earners, and wealth builders — design policies that work as their own private banking system.
Our Values
Client-First Independence
We are NOT captive agents tied to one carrier. We represent 20+ top-rated mutual companies and recommend the carrier that is truly best for YOUR goals — period.
PUA Expertise
PUA policy design is a specialty skill. We have invested thousands of hours studying carrier illustrations, IBC strategies, and MEC compliance. It shows in our results.
Transparent Honesty
If PUA whole life is not right for your situation, we will tell you. We would rather lose a sale than put a client in the wrong product. Long-term relationships are our business.
Licensing & Compliance
Work With PUA Specialists
Don't let a generalist design your PUA policy. Work with specialists who do this every day.