Moses Kaoiwi Jr.
Owner Of INDO-PAC Strategic Consulting
Honolulu, HI
"I cannot express enough how grateful I am for his excellent service"
"After retiring from the Hawaii Army National Guard after serving over 39 years both as a traditional guardsman and on active duty, I needed to find a life insurance policy that met my unique needs. I was fortunate and blessed to meet Ian Warkol from FEGLI Life Savings. Ian worked with me on obtaining a Term Life Insurance Policy that included riders for terminal illness, chronic illness, and critical illness.
Ian guided me through the process of securing a term life insurance policy that perfectly met my needs. His expertise and dedication were evident from the start. He took the time to understand my unique situation. He was always available to answer my questions and provided invaluable insights that helped me make informed decisions. Thanks to Ian, I now have a peace of mind knowing that my loved ones are protected.
I highly recommend Ian Warkol to anyone seeking reliable and personalized insurance advice. Ian's professionalism, commitment, and genuine care for his clients set him apart, and I am truly thankful for his support."
Randy Labisores
Retired Navy Veteran
Ewa Beach, HI
"Ian played a pivotal role in saving my life. I had a successful prostatectomy procedure and am now cancer free"
"We refinanced our home 3 years ago. That’s when we inquired with Ian Warkol about Mortgage Protection Insurance. At that time, Ian helped my wife Shirley to get a North American term policy with Living Benefits.
However, when it was time for me to inquire about life insurance, it was a different story. I had a high PSA level and unfortunately, I got declined for coverage. Even though I lost all hope, Ian still encouraged me to follow up with my Urologist to complete a biopsy. I later found out I was diagnosed with Stage 2 prostate cancer.
Thankfully, due to Ian's timely intervention, I was able to catch my cancer early and receive proper treatment without losing my life. Unexpectedly, Ian still continued to follow up with me even after three years. He helped me secure a Prudential term policy at a favorable rate.
Based on my experience with Ian, I am more than satisfied. He shows his true colors of sincerity by not forgetting about me. He was a great communicator and we enjoyed sharing heartfelt conversations about our lives and family. Ian is an exceptional broker who will work hard to find a company that provides the best value for his clients.
My wife Shirley and I are looking forward to our first grandchild due in a few months and our Ohana (family) is forever grateful to him."
Paul Alvaro
Pipe Fitter
Ewa Beach, HI
"Based on my experience with other agents, I found that Ian being an all-in-one broker doesn’t push any product. He literally listens to your needs and wants by helping you find the right policy to protect your family. I no longer carry a burden of worry for finding the top insurance plan to cover my mortgage requirements!"
"Looking for life insurance? If the answer is yes, the next step is to find a policy that makes the most sense and fits your budget. Agents always represent the best company with a great track record. Unfortunately, some of the previous agents I dealt with weren’t listening to what I wanted. I got the sense their presentation was all about showing me a policy that met their standards with a higher premium.
After ending my quest for finding affordable coverage, a few months later, I received a mortgage protection letter in the mail. My inquiry led to receiving a phone call from Ian, where he discussed all my insurance options. I just needed a simple term life plan to cover my mortgage. I got more than just that with Ian.
He introduced a new product that not only protects my home, but offers an income in the form of living benefits. I never knew there are policies that’ll pay out while you’re alive! I thought I was going to need something like Aflac to cover my income in case I was injured and couldn’t return to work. Not only was his recommendation price-friendly, but he also found a great tax-free retirement plan for my 10 year child.
This could have not happened if it wasn’t for Ian’s extensive knowledge across the board. He brings a lot on the table, especially since he’s extremely patient and available. Even during off business hours, Ian would still make the effort to respond quickly, sometimes during late evenings.
To me, Ian’s high level of care and hospitable qualities meant a lot in the sense that my time felt extremely valued. After a year of getting covered, he still responds to my text and emails in a timely fashion. Just give Ian a call and compare for yourself. He will not let you down. Mahalo Ian!
Mark Diego
Longshoreman Mechanic
Mililani, HI
"I am forever grateful and will never forget how hard Ian went above-and-beyond to help me save money. Nowadays, it’s difficult to find a conscientious broker who genuinely cares about my needs in obtaining affordable coverage."
"Aloha All,
We recently refinanced in Feb, and throughout the process we were offered Mortgage Protection insurance. With that, we were in contact with Ian Warkol. Even before getting into our insurance options, we talked about life and family. At first I was skeptical, but as we conversed, I felt more and more comfortable.
Going forward, Ian found Foresters Mortgage Protection and we applied. At 47 years of age, I'm a little husky(LOL) with no medical conditions, but I do chew tobacco. Nonetheless, Ian was still able to get me a non-smoker rate despite what other agents have told me in the past.
With that, Foresters did NOT require a physical and I qualified immediately. This wouldn't have been possible without Ian's tireless work ethic and his commitment to finding his client the best possible policy to fit our budget. Even being thousands of miles away in Hawaii, Ian's dedication to us is unsurpassed.
We strongly recommend Ian Warkol for your insurance needs. He's more of our Ohana (family) than our Agent."
Edwin Fontillas
Operations Analyst
Ewa Beach, HI
"I trusted Ian throughout the entire process. That’s saying a lot since our business was conducted over the phone rather than in person."
"I am a retired Marine and have faithfully served in the U.S. Marine Corps for over 21 years. I thought I had a firm understanding of the Veteran's Group Life Insurance (VGLI), but I was hugely mistaken. Ian Warkol educated me on how VGLI would significantly cost me more by nearly doubling every 5 years."
I was totally shocked and had no idea how much I would be paying as I get older. Ian then educated me on the benefits of obtaining a more affordable private life insurance plan. After reviewing different options, he was able to secure a 20 year term with a fixed rate that never increases.
I think what made Ian different compared to other agents is that he never gave up on me considering my underlying health conditions. He went above and beyond to match me with a reputable carrier that would accept me with my medical history.
Ian is a true professional who’s honest and very knowledgeable about life insurance. He doesn't beat around the bush and does a very good job keeping everything simple and understandable.
I fully recommend him to be your go-to life insurance broker. He knows his craft very well and will work diligently to help you save money on your military group plan!
Thanks Ian for all your help and patience!"
Yovo & Michelle Stefanov
Financial IT Manager
Honolulu, HI
"If you’re looking for someone who can help you with life insurance to protect your mortgage, I highly recommend Ian."
"About a couple of months ago, I filled out a mortgage protection form. I wanted to obtain more information about protecting my house and loved ones, especially since I am a father of a newborn.
After submitting my form, a gentleman by the name of Ian Warkol contacted me and we discussed finding the right life insurance product for me & my wife Michelle.
I initially applied and got quotes from other insurance companies, but after speaking with Ian, I realized there was a much better product with living benefits! Not only did my plan cover me and my wife in the event of a critical illness or disability, but Ian was able to save me money compared to other insurance companies.
I ended obtaining coverage with American National. I was surprised to know that my 30 year term automatically came with living benefits, which doesn’t appear to be an offered perk with other life insurance companies.
"I would like to thank Ian for his time, strong knowledge base, and patience. He did a really good job answering all my questions thoroughly. I couldn’t ask for a better agent than Ian- mahalo."
Gynard & Melveen Camba
Registered Nurse
Ewa Beach, HI
"I genuinely felt Ian cared about what’s best for my family. Thank you for making the whole process simple."
"When I received Ian’s form in the mail, what initially caught my eye were the added benefits of return of premium and the critical illness care. I decided to give Ian a call and the first thing he did was walk me through his website.
The plan that he recommended included a trio of benefits: Long Term Care, Critical Illness, and the option to receive a full refund after a certain term period. As a registered nurse with a young family, this made the most sense to me. After Ian gave me a few options, my husband Gynard and I ended up choosing the Plan with the trio of benefits.
One of the things that I enjoyed about our conversation was the fact that he was easy going. Because Ian solely focused on my needs, I never felt rushed in making a decision."
Dean Hughes
Construction Supervisor
Wahiawa, HI
"If you’re looking for a college tuition and tax free plan for your children, check out Ian’s program."
"I would like to give Ian a big Mahalo for helping me find a policy that lowered my monthly payments, but increased my coverage. As a Broker he has access to many Life Insurance companies, so he would know which company would benefit me the most. Many agents I spoke to in the past don't have this kind of versatility to pair you with the right company.
Had I gone with another agent specialized in one company, I probably would have spent more money, time, and energy. Ian's facilitator and coaching role were a perfect match for obtaining life insurance coverage simply and hassle-free.
He also told me about the IUL Program, which would provide a tax-benefit for my Keiki and Mo’opuna."
Alexander Toledo
General Maintenance Supervisor
Hilo, HI
"Ian was so persistent in investigating every option that was out there and never gave up."
"I’d like to take this time to thank Ian for really wanting to find me a policy that was suitable for me. I am a heavy set man in my 50's, and we know how hard it can be to find a policy that will work for myself.
In the end, he found a whole life product without a height and weight chart with a company called Aetna. I appreciate Ian’s strong dedication in going the extra mile for protecting my wife and kids.
It was a pleasure working with you and I will definitely pass on a good word to anyone I know that needs life insurance. Thanks again for your persistence and commitment to me and my family."
California Testimonials
David Azizi
Personal Injury Lawyer
Los Angeles, CA
"Ian is a true professional. He explained everything in detail and followed up at every step to make sure that there were no issues!"
"I am almost 50 years old and I have had three other life insurance policies since age 29. In comparison to obtaining these policies, my experience with Ian was fantastic. The underwriting process with North American was very fast considering the size of my coverage. In less than one week, I got approved at the best rate even without a medical exam.
In spite of these successes, what made this plan more special than the others I own is the chronic illness benefit. If I become chronically ill or need nursing home care assistance, I can use this policy to pay for such expenses. None of my current plans have this benefit, so I appreciate Ian for arming me with a second layer of coverage! All it does is safeguard my income granting more of a financial peace of mind for unforeseeable events.
Thank you Ian for making everything possible for me. I owe it to you! Your hard work, in-depth knowledge, and candor will not be forgotten. I would highly recommend Ian to anyone looking to get life insurance. He made sure I got an A++ policy."
Myles Saunders
Retired Neurosurgeon
Beverly Hills, CA
"I found Ian on the Net. We made plans to meet on several occasions. He was prompt and well prepared. He listened to my needs and initially gave me an overview of what to expect."
"On the subsequent meeting, he made a concrete recommendation which was well reasoned but slightly expensive. He adeptly made some changes in his recommendation which then satisfied all of my needs.
He works with the well know carriers and I ended up with American General. I researched the Company and was satisfied as to legitimacy, sustainability, etc. Although Mr. Warkol was professional and knowledgeable, I had found him on the Internet rather than through a friend or anyone that had known him. I investigated and found his insurance broker’s license number and standing in California—all of which showed him to be in good standing.
I am happy working with Mr. Warkol on all levels and recommend him to you. If you have any questions, please do not hesitate to call me at 310-487-5555. I hope that this has been of use to you."
Doug Weyek
Software Engineer
Camarillo, CA
"It was truly impressive to see Ian in his element. He is the type of person that literally reads each insurance provider's manual so that he knows which one will be the best fit."
"Planning for your Life Insurance needs can be a very stressful process. We can’t express enough how Ian helped alleviate our stress, filling us with confidence that he was going to find the best product for our family.
My wife and I wanted to make sure our family would be protected and provided for should anything happen to me. However when you have any type of medical condition or are not the ideal weight, finding an affordable policy can be difficult. The first quote we received from a different broker gave us sticker shock. We wanted to protect our family but not at the expense of overpaying for coverage.
That’s when we turned to Ian for advice. He has been a good friend to us for several years but we never “talked shop”. After listening carefully to our needs and concerns, Ian provided a personalized quote based on my overall health. He recommended Lincoln Financial. The whole process and turnaround time was quick and easy and at the end, we got a fantastic rate. I now have the protection for my wife and children paying thousands less from my previous offer.
Ian is truly an expert in his field and will take the time to make sure he finds the right product for you. He knows the ins and outs of the industry and will make sure to look out for your best interests. Thank you Ian for helping our family!"
Carol Rupp
Principal
San Diego, CA
"I was approved for my insurance without any issues. Ian explained in a way that I can understand and made the entire experience comfortable over the phone. I felt that I was in good hands with his expertise."
"I hadn't realized the importance of securing life insurance for myself beyond what my workplace provided until I reached out to Ian. Since I am a woman of a 'certain age', I wasn't sure that private outside insurance would be affordable. With three children relying on me, the responsibility weighed even more on my shoulders. The financial aspects were daunting, and I had a myriad of questions about the best type of coverage for my situation – term or whole life?
When I initially connected with Ian, he became more than just an insurance advisor; he became a source of comfort and understanding. Ian not only addressed every concern with patience and empathy but also made me feel heard and valued in this journey.
Getting approved for my insurance was a seamless process, thanks to Ian's unwavering support and integrity. He transformed what could have been a stressful ordeal into an easy and simple experience. His compassion and attentiveness made all the difference, turning a financial decision into a heartfelt commitment to my family's well-being.
Now, I have the peace of mind securing a legacy for my loved ones."
Aníbal López
Pastor
San Diego, CA
"During our collaboration, I appreciated the good organizational skills demonstrated by Ian and his assistant. Their commitment to keeping me consistently informed about the whole process contributed significantly to a positive experience!"
"As the pastor of a vibrant church located in the heart of San Diego, California, I am delighted to share my outstanding experience with Ian. His honesty in articulating intricate details stood out as something I appreciated the most.
We met on Zoom to do a policy review. Ian explained all the “ins and outs” thoroughly answering all my questions about the living benefits and money back option. We also got to know each other on a more personal level, further strengthening our relationship. This built another layer of trust for me as most life insurance brokers don’t take the necessary time to deeply connect personally.
My encounter with Ian has been nothing short of exceptional! He was able to get me a fast approval without a medical exam. He’s someone you can count on to help you find the best life insurance coverage!
Thanks to Ian, I will spread the good word to my fellow church community."
"
Sharon Spencer
Pastor
Vallejo, CA
"My experience with Ian was awesome. He led me through the process and within 24 hours, my spouse was approved! I'm very impressed by Ian’s work ethic in getting us a non-med, affordable policy for covering our final expenses."
"I am honored to provide feedback for Ian Warkol. I am highly pleased with the services that Ian provides as our Life Insurance Agent. There is so much going on these days with the pandemic. Unfortunately, most people don’t realize that securing a good life insurance policy is what we need. It’s essential in preventing unnecessary hardships for our loved ones in the event of our departure.
During our conversations, I was impressed how organized and knowledgeable Ian was in the insurance business. He explained to me the need for additional life insurance and today’s cost of burial insurance easily. I respected his honesty with me as we maneuvered through the process.
I do appreciate Ian for providing me with a great life insurance policy. It’s set up to be paid automatically through my social security. I now feel more secure with a higher coverage policy for my husband. If you need a dependable life insurance agent, believe me, Ian Warkol is the man.
Thank you, Ian, for everything you did for my family!"
Eduardo Advincula
Certified Nursing Assistant
San Jose, CA
"I have had unpleasant experiences with prior agents mainly because of their lack of expertise. However, the vibe with Ian was the complete opposite. He’s well-versed with many contracted carriers and his sincerity and honesty were something I will never forget."
"The first time I spoke with Ian on the phone, he gave me some thoughts to ponder upon. One of the talking points we spoke about was living benefits with National Life Group. I never knew what that was until I met Ian and he explained it so simply and easily.
Because of his full transparency without leaving any loose ends, I felt very comfortable to do business with him. He has all the good qualities an agent should have such as humility, kindness, compassion, and utmost care to serve his clients to the fullest potential! What I enjoyed most about him was first listening attentively to my needs before presenting me with a quote.
I feel very blessed I found Ian through a Facebook ad. He’s such a genuine, helpful, down to earth agent making me feel at home. Thank you Ian for protecting my family and I’m happy to refer you to my colleagues. God bless!"
Philip Orioste
Minister
Panorama City, CA
"Ian’s help and transparency made me feel at ease to discuss all of my concerns and needs about life insurance."
"I came across Ian through submitting an online Facebook no medical inquiry form. It was the first time I heard about this kind of policy, so I wanted to learn more. I felt comfortable speaking with him simply because he explained all the details very methodically. He took very good care of me making sure all the paperwork was done accurately and completely.
What I appreciated most about Ian was his persistence in never giving up on me. He helped me overcome the most difficult hurdle: getting two life policies for the best security for my family despite my challenging health history. Even though I was declined with other agents, I was impressed that Ian managed to secure not just one but two policies. He’s truly a specialist in making the process easy without a medical exam!
I should recommend and say that Ian is one of the best life insurance agents I have ever met. Thank you for giving me a chance to write this testimonial. God bless you immensely!"
Ross Lucas
Pastor
Snelling, CA
"Ian took the time to answer all my questions connecting with me on a personal level. He was very professional and followed through when he promised."
"After looking for life insurance online, I found Ian on social media.
He got me the desirable coverage I needed with a much longer duration than my existing term policy. It was a great fit, both financially and for my age. The approval process happened very quickly within 24 hours.
What impressed me the most about Ian was his patience in helping me understand everything I needed to know and then some. Now I have coverage at a fair price without needing to worry about anything when I am gone!
I feel very blessed to have found an experienced broker online. I will definitely pass on a good word to my fellow congregation and pastors!"
Elizabeth Soleimany
Teacher
Glendale, CA
"I am very happy with the piece of mind policy Ian recommended to me. This comprehensive coverage includes living benefits to protect me from unforeseen events, like cancer or home health care. He fully explained the options and guided me step by step without rushing me given how busy I am as a teacher."
"During the application process, Ian was able to find me an all-inclusive plan that also doesn’t require a medical exam. One of the standout features this policy has compared to the norm is the living benefits component. What this can do is help relieve financial pressures during a health scare moment. It’s beautiful in the sense that my children will never be burdened to take care of me if a grave illness ever hits me.
God bless Ian! He’s priceless and is the one who will get the job done protecting your family. Ty so much" 
Qadeer Azam
Office Supplies Owner
Northridge, CA
"I recently purchased an AIG life insurance policy from Ian Warkol. I am extremely satisfied with my decision because of his exceptional customer service. He was able to find me a policy that best suited my budget, health, and the coverage my family needs."
"As someone with diabetes, I understand the importance of planning for the future and making sure that my family is taken care of. I was initially hesitant to get life insurance due to my diagnosis. However, I was very pleased Ian made the process of purchasing the policy very straightforward.
He was able to find me an affordable 20 year term plan with an A rated company. I never thought this would be possible due to my chronic condition. Don't let your health issues hold you back from getting the protection you and your family need.
If you have diabetes or other impairments, I highly recommend exploring your options with Ian. He will guide you in the right direction and will ensure everything is well taken care of from start to finish. His professionalism and strong attention to detail truly sets him apart from the competition."
Federal Employee Testimonials
Raymond Peterson
Aviation Safety Inspector
Federal Aviation Administration
"It is my pleasure to recommend Mr. Ian Warkol to my Federal Employee peers."
"I was an individual who for many years focused on the success of my Organization and didn’t realize how I paid enormous amounts to maintain FEGLI for over two decades.
Then it hit me! I responded to an email from Ian and it resulted in making one of the best decisions in my career.
Ian described my situation expertly with respect and was exactly correct to the penny! He then recommended an insurance carrier to me and carefully explained his reasoning. He was very focused on wanting me to fully understand each step and decision. I wholeheartedly agreed with his logic. The result was a policy containing exactly what my wife and I desired for coverage, and we were also able to capture a superb rate. This resulted in a total win-win.
Mr. Warkol truly has a solid understanding of his profession and is highly committed to his customers’ success. It is a blessing to have worked with this man and his team."
Vanessa Lovelace
Computer Specialist
Federal Aviation Administration
"Ian Warkol was so knowledgeable, helpful and patient with me when he explained all the benefits, making sure I clearly understood all the insurance provided."
"My biggest impression was the, “Living Benefits” feature which pays me when or if I get sick and can’t work.
The federal government offers a similar plan but you have to pay a separate price. This policy Ian found for me is included in the low cost price. I could not beat that!
No matter how many questions I had, Ian remained professional, patient and courteous. I appreciated his demeanor very much. He made sure I truly understood what my family would receive if anything happened to me or if I got sick.
Lastly, and to sound like a commercial, the price remains the same no matter how old I get. That was a win win in my books. Thanks Ian for looking out for me and my family!"
Deborah Nesbitt
Program Manager
U.S. Custom Border Protection
"I highly recommend Mr. Ian Warkol to fellow Federal employees for life insurance needs."
"I found Ian Warkol in the nick of time, less than three months before I turned 55 (when FEGLI rates double). He has a clear understanding of FEGLI and gave me a detailed cost savings analysis present outside of the FEGLI program.
After discussing my needs, Mr. Warkol provided several options. I decided on a Guaranteed Universal Life Insurance policy through AIG with coverage to age 90, with premiums less than what I would have paid for FEGLI coverage.
Mr. Warkol was able to get all the prerequisites completed including my free health screening and paperwork for my policy to be in effect before my 55th birthday. He also helped me complete the FEGLI cancellation form so that I can only cancelled the expensive Option B and kept the Basic plan.
In addition, he has always responded quickly when I have emailed, called, or texted."
Mike Bira
Environmental Scientist
U.S. Environmental Protection Agency
"I highly recommend Mr. Warkol. We found him to be very knowledgeable in the insurance industry. We also greatly appreciate his patience in clearly presenting my options for over 30 carriers. We ultimately chose American General and are happy with our coverage."
"I am a federal employee, and have been in full time employment with the US Environmental Protection Agency for over 28 years. When I was initially employed, I signed up for the FEGLI family plan, since I had two small children. As our kids have grown and moved out, I decided to look for alternative life insurance, which only covered my wife and myself. After finding this website, I sent an inquiry to know more about federal life insurance plans and the options available for a person in my situation.
Within a few hours, I was contacted by Ian Warkol, and after several correspondences, I am happy to say that Mr. Warkol has been very helpful. The fact that I live in Texas and Mr. Warkol lives and works in California was not an issue in securing a very good rate for life insurance.
The monthly costs for my FEGLI coverage was over $350 per month. Mr. Warkol was able to find a reduced, level premium term plan for both my wife and I, at only $86 per month. We are very happy with our savings.
Ian was very patient with explaining my benefits options, and his facilitation in switching from FEGLI made the process very understandable, smooth, and simple."
James Rosebrock
Operations Officer
Alcohol, Tobacco, Firearms, & Explosives
"I highly recommend Mr. Warkol. He is a true professional. He is patient and can clearly explain the process. He will outline options, costs, and savings."
"I am a federal employee and have served in the US. Army and Departments of Treasury and Justice for the past 39 years. I have always carried FEGLI Option B coverage, but I confess not being aware that I was facing significant escalating FEGLI rates as I grow older.
Thankfully, I heard about Ian Warkol and his website on the Internet and decided to contact him. After speaking with him several times, I can confidently say he knows the insurance business inside out. He also genuinely understands the perspective of federal employees and how FEGLI works.
After he patiently and clearly explained the entire simple process, I purchased an AIG term policy. I couldn’t be more ecstatic to know my premium will not increase and I will save $88,000 over the 20 year span of the policy.
I did, though, had some concerns about my medical history and the physical exam and tests that I needed to take prior to moving forward. Based on Ian’s expertise in this industry, he told me my concerns wouldn’t negatively affect my eligibility. And what do you know; he was spot on right!"
David Stromer
Executive Director
United States Department of Agriculture
"I am very grateful to have worked with Ian because he gave my family the best of both worlds: financial peace of mind if God forbid I get chronically ill or pass away."
"I started working with Ian about 5 years ago after my wife died of cancer. My term policy was going to expire, my FEGLI was very expensive and I knew I still needed coverage. Ian found me excellent rates on term life insurance. So I terminated my FEGLI and went with straight term. This past March I turned 59 and realized, the term I had requested was only for 20 years; that would put me at 75 and no longer covered again.
After discussing my situation with Ian, he introduced me to a lifetime Living Benefits insurance policy, which has more features than a simple plain vanilla term product. This benefit at no additional cost covers my medical expenses for terminal, chronic, or critical illnesses such as but not limited to heart attacks, cancer, and disability.
Such an invaluable benefit at a very affordable premium really spoke to me because of my wife passing away from cancer 8 years ago. If only she had a policy like this, our lives would’ve been significantly different. We would’ve enjoyed more trips and experiences with the family and made more and lasting memories.
Even though we lost a loved one, I am thankful that my needs were fully satisfied sooner rather than later. Ian was truly watching out for my best interest and doing more than making a sale. Something we all need!"
Michael Payne
Supervisory Management Analyst
Department of Veterans Affairs
"The more we spoke, the more I realized he was an extremely honest, up-front person whose main concern was making sure I received the coverage my family needed at an affordable price."
"I recently had a very pleasant experience working with Ian Warkol regarding my life insurance. As a federal employee, I had life insurance offered through work and didn’t much thought to change my current plan. Then I realized, the cost of life insurance rises significantly as you age, and through my research for alternatives, I located Ian and started a conversation with him.
Over time we spoke many times, making sure everything was correct and progressing as needed. I could not be happier with the insurance company and coverage Ian obtained for me!
Even though he had to work harder for us than others as an existing medical condition was identified, spending the extra time and effort ultimately led to fruition. My wife and I have recommended Ian’s services to others and will continue to do so, showing how impressed we were with him."
Anna-Cwirko-Godycki
Retired Program Specialist
Department of Health and Human Services
"Ian was always available via phone, email, or fax, and was extremely pleasant and knowledgeable about all aspects of my decision making process. Mr. Warkol is honest and trustworthy. I have not regretted my decision to purchase the Life Insurance Policy."
"I worked with Mr. Ian Warkol for several months in spring and summer of 2016, when I was preparing to retire from the Federal Government after 42 years. My dilemma was how best to provide a survivor benefit for my husband, who is 12 years older than I, and who would be destitute without my income.
In order to provide him with 50% of my pension, I would have to reduce my pension by over $10,000 annually until he passed away. I had FEGLI life insurance but after retirement the insurance premiums would increase astronomically as I aged, or if I chose not to pay, premiums would decrease by 75% over 4 years.
Mr. Warkol assisted me in making a decision to purchase a $300,000 life insurance policy which costed me $3,800 per year, in lieu of losing $10,000 per year from my pension. The policy is for 15 years.
It was a pleasure to work with Ian. He provided me with analytics, calculators, detailed saving reports of FEGLI vs. AIG, letters of recommendation from previous clients, various options, and background and history of AIG."
Cathy Ehli
Sr. Project Manager
Bonneville Power Administration
"I will now save over $150,000 throughout the term of my new policy compared to what I would have spent had I retained the FEGLI coverage."
"Since the beginning of my career at Bonneville Power Administration, I have carried the Federal Employee Group Life Insurance (FEGLI) Option B coverage. I did so as it was important to me to secure family protection for my spouse and child."
"After reviewing my Leave & Earnings statement, I realized that at age 55 my insurance premium was adjusted and I was charged with a 50% rate increase! Upon further exploration, I discovered that my FEGLI premium would continue to dramatically escalate with age from this point forward.
Ian Warkol, a highly experienced life insurance broker specializing in the federal employee market, contacted me to discuss alternatives that could save me a significant amount over the escalating FEGLI premiums. I took him up on his offer and it was the best decision I could have made.
Mr. Warkol took his time educating me on all of my coverage options, despite how many questions I asked. His patience was endless as his primary concern was that I thoroughly understood the choices I had. He made himself available to meet my schedule, was quick to respond to concerns or questions I had, and understood my personal situation. He wanted to make double sure he could provide the best life insurance product for me and my family.
And that’s what he did in full integrity!I was very pleased with him as a broker, and all the different array of products he could offer. I decided to purchase a plan with AIG. I now have life insurance with a premium that will not increase for a period of 29 years.
I highly recommend Mr. Warkol for your life insurance coverage needs."
David Lindholm
Air Traffic Controller Specialist
Federal Aviation Administration
"My wife and I would like to thank you for your exceptional efforts in gaining me long term life insurance with AIG."
"From the moment we started, you were clear and exceptionally helpful in navigating me through this process. When questions arose you had experience to know what I needed to do.
As I am a large male, it was important that I capture the rate before I turned 60 as my federal life insurance would have doubled upon my 60th birthday and continued to grow uncontrollably.
You stated it takes usually 4-8 weeks to get an approval from the life insurance company and we came in at just under 60 days with a policy offer. That was quite accurate and stellar if you asked me!
The less than expected rate was an extra bonus."
William Dunk
Deputy Forest Supervisor
United States Department of Agriculture
"Don’t hesitate to work with Ian or make a change that will save you and your family a huge amount of money. In my case it will pay for one of my kids to go to college!!!"
"Ian Warkol was and is simply awesome to work with on finding new life insurance options outside of the FEGLIP. He is extremely knowledgeable about how to work with federal employees current insurance and found a great match for my needs that will save me a lot of money over the next 20 years.
Ian clearly communicated my options and found a match with a well renowned insurance company (Mutual of Omaha). He is genuine and professional, which meant a lot to me in choosing to move forward to make a change. This high level of customer service made the difference for me."
