5.0

5.0

unLocking Your

Financial Future

As an independent life insurance and annuity planning firm, we give you the tools to protect what matters, grow your wealth, and create a strategy that works for you.

“We love working with unLocked. From start to finish Jacob and the team showed how my family could live a tax free life.”

Jason T Verified Policyholder

My experience was great! Officially have a life insurance policy.

Ryan J Verified Policyholder

“I had a great experience with Jacob at unLocked! He is always very responsive and continuously improving my financial situation!”

Alyssa S Verified Policyholder

Our Services

Infinite Banking

Set it and forget it. Lifetime coverage, guaranteed cash value, and a financial safety net your family can count on—no matter what.

Infinite Banking

Control your money like a bank. Build tax-advantaged cash value, access funds anytime, and create a lifelong safety net-all while your money keeps growing.

Indexed Universal Life Insurance (IUL)

Grow your money. Protect your family. Get tax-free access to cash when you need it. IUL is how the wealthy play the game.

Fixed Indexed Annuity (FIA)

Market-like gains without the risk of market losses. Lock in your money, let it grow, and create a lifetime income stream you can’t outlive.

Multi-Year Guaranteed Annuity (MYGA)

Predictable. Secure. Guaranteed. Lock in a fixed rate, let your money grow tax-deferred, and know exactly what you’re getting—no surprises.

Term Life Insurance

Max coverage, minimal cost. Protect your family during your peak earning years without breaking the bank. When the term's up, you decide what’s next.

Final Expense Insurance

No one likes talking about it, but everyone needs it. A simple, affordable way to cover funeral costs and keep your family stress-free.

Our Services

Indexed Universal Life Insurance (IUL)

Grow your money. Protect your family. Get tax-free access to cash when you need it. IUL is how the wealthy play the game.

Final Expense Insurance

No one likes talking about it, but everyone needs it. A simple, affordable way to cover funeral costs and keep your family stress-free.

Fixed Indexed Annuity (FIA)

Market-like gains without the risk of market losses. Lock in your money, let it grow, and create a lifetime income stream you can’t outlive.

Whole Life Insurance

Set it and forget it. Lifetime coverage, guaranteed cash value, and a financial safety net your family can count on—no matter what.

Multi-Year Guaranteed Annuity (MYGA)

Predictable. Secure. Guaranteed. Lock in a fixed rate, let your money grow tax-deferred, and know exactly what you’re getting—no surprises.

Term Life Insurance

Max coverage, minimal cost. Protect your family during your peak earning years without breaking the bank. When the term's up, you decide what’s next.

You Are The Hero In Your Financial Situation

Let Us Guide You

How Do We Deliver Your Results?

Share Your Vision.

What’s your goal? Building wealth, protecting your family, or securing retirement? Tell us where you’re headed, and we’ll map out the best financial strategy to get you there.

Review Your Custom Plan.

No cookie-cutter solutions here. We’ll break down a personalized plan that fits your needs—clear, simple, and built for long-term success. You’ll know exactly how your money is working for you.

Get Approved.

We make the process smooth and stress-free. Our team handles the paperwork, guides you through approvals, and gets you locked in with the best financial products—without the hassle.

Enjoy Your Peace Of Mind.

Your future is secure. Your plan is in place. Now, you can focus on living your life with confidence, knowing your money is working for you, not against you.

We’ve Helped 1,000’s Of People Just Like You

We’ve Helped 1,000’s
Of People Just Like You

Have Peace Of Mind

Jacob Lock, CEO & Founder

I’m Jacob, the founder of unLocked Financial, and my mission is simple: help people build, protect, and grow their wealth with life insurance and annuity strategies that actually work.
Here’s the problem: most people don’t have a real plan for their financial future. They either don’t know their options, think life insurance is “too expensive,” or wait too long to secure their retirement income. That’s where I come in.
I structure policies that:
The result? Peace of mind, financial security, and a future you can count on.

Jacob Lock, CEO & Founder

I’m Jacob, the founder of unLocked Financial, and my mission is simple: help people build, protect, and grow their wealth with life insurance and annuity strategies that actually work.
Here’s the problem: most people don’t have a real plan for their financial future. They either don’t know their options, think life insurance is “too expensive,” or wait too long to secure their retirement income. That’s where I come in.
I structure policies that:
The result? Peace of mind, financial security, and a future you can count on.
Contact Us

Reach Out With Your Question

Eliminating Retirement
Risk For A New Generation.

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About unLocked Financial

At unLocked Financial, we’re not just another firm—we’re your partner in securing your financial future. As an independent life insurance and annuity planning firm, we give you the tools to protect what matters, grow your wealth, and create a strategy that works for you.

Contact Jacob