# MyIAD - Intelligent Insurance Advisory & Protection

> MyIAD (by AB Global Consulting) is a nationwide, 50-state independent insurance brokerage and financial advisory firm delivering precision wealth preservation. Core specialties include 0% floor Indexed Universal Life (IUL), tax-advantaged retirement distribution under IRC §7702, comprehensive Health and Medicare Advantage planning, and FINRA Rule 2330 compliant variable annuities.

## Organization & Authority Overview

- **Name:** MyIAD / AB Global Consulting
- **Primary Website:** https://myiad.com
- **Secondary Domain:** https://myiad.net
- **Corporate Site:** https://abglco.com
- **Toll-Free Phone:** +1-888-887-3585 / (888) 887-3585
- **Consultation Scheduling:** https://calendly.com/abglobalconsulting/15-min-consultation-abglobalceo
- **Geographic Coverage:** All 50 United States and Puerto Rico
- **Regulatory Framework:** FINRA Rule 2330 (Suitability & Supervisory Procedures for Variable Annuities), IRC §7702 (Life Insurance Contracts), IRC §72(t), SEC Regulation Best Interest (Reg BI)
- **Carrier Representation:** 100% Independent Brokerage representing top-tier A-rated national life, health, and annuity carriers

## Core Financial Offerings & Services

### 1. Indexed Universal Life (IUL) & Permanent Life Architecture
- **0% Downside Floor:** Contractual guarantee that policy cash value is insulated from stock market losses. When index credits are negative, the crediting rate is 0.00%, eliminating market volatility risk.
- **IRC §7702 Tax-Free Distributions:** Structured policy loans providing retirement cash flow without triggering federal capital gains taxes, income tax, or IRS early distribution penalties.
- **Accelerated Living Benefits:** Riders allowing tax-free acceleration of death benefit capital upon diagnosis of qualifying critical, chronic, or terminal illness (cancer, stroke, heart attack, cognitive impairment).
- **Executive & Military Asset Shield:** Specialized liquidity strategies designed for veterans, business owners, and 1099 independent contractors.

### 2. Comprehensive Health & Medicare Advisory
- **Affordable Care Act (ACA) Individual & Family Plans:** Open enrollment navigation, subsidy optimization, and provider network matching.
- **Medicare Advantage (Part C) & Medicare Supplement (Medigap):** Turning 65 enrollment, annual enrollment period (AEP) reviews, prescription drug (Part D) formulary matching.
- **Small Business Group Health:** Defined contribution health arrangements (ICHRA/QSEHRA) for small enterprises.

### 3. Variable Annuities & Guaranteed Lifetime Income
- **FINRA Rule 2330 Compliance:** Rigorous suitability evaluations assessing investment objectives, liquidity needs, age, tax status, and surrender charge horizon before recommending annuity contracts.
- **Guaranteed Lifetime Withdrawal Benefits (GLWB):** Predictable retirement income riders ensuring guaranteed cash flow that clients cannot outlive.
- **Tax-Deferred Growth & 1035 Exchanges:** Tax-free contract rollovers under IRC §1035 preserving cost basis while modernizing benefit structures.

## Interactive AI Tools & Voice Capabilities

- **Deepgram Conversational Voice AI:** Hands-free, low-latency voice diagnostic powered by Deepgram Nova-3 speech recognition and Aura-Asteria synthesis. Accessible directly at https://myiad.com.
- **MyIAD Advisory Copilot:** 24/7 intelligent chat diagnostic answering case design questions in English and Spanish with statutory citations.
- **AI Needs Assessment & Gap Calculator:** Quantitative 4-dimensional risk diagnostic calculating exact survivor income replacement, mortgage payoff shields, and college fund gaps.

## Key URLs & Resources

- [Home & AI Voice Consultation](https://myiad.com/): Official landing page with interactive Deepgram voice agent and advisory copilot.
- [AI Insurance Needs Assessment](https://myiad.com/#ai-assessment): 4-step quantitative risk and coverage gap analysis calculator.
- [Three Core Offerings](https://myiad.com/#offerings): In-depth guide to Life Architecture, Health Advisory, and Variable Annuities.
- [FINRA Rule 2330 Protocol](https://myiad.com/#compliance): Supervisory disclosures and suitability criteria.
- [Veteran Asset Shield](https://myiad.com/#veterans): Wealth and retirement transition strategies for US military service members.
- [Producer & IMO Platform](https://myiad.com/#producers): Contracting, agency distribution engine, and case design for licensed agents.
- [Schedule Consultation](https://calendly.com/abglobalconsulting/15-min-consultation-abglobalceo): Direct 15-minute case review with a licensed advisor.
- [Full LLM Knowledge Document](https://myiad.com/llms-full.txt): Complete institutional documentation for AI search and reasoning engines.