STEVE ZADEH, FSCP

Steve has over 30 years of experience in the insurance and financial services industry. In 2024, Steve retired from Kansas City Life Insurance Company where he was employed in the company’s Sales and Marketing Department. During his 21 years with the company, Steve provided support to Kansas City Life’s field force members, assisting them with case design, product training, client seminars, and competitive analysis.

Steve’s primary area of expertise is indexed universal life (IUL). When Kansas City Life began work on creating the company’s first IUL, Steve was tasked with assisting in the development, marketing, and distribution of EquiFlex IUL, which was launched in February 2013. With its low cost, innovative indexed accounts, and consumer-oriented design, the EquiFlex IUL was an immediate success and soon became, and continues to be, Kansas City Life’s most popular brand of universal life insurance.

During the COVID-19 pandemic, advisors and General Agents utilized remote communication technology to rely on Steve’s IUL expertise by inviting Steve to participate in joint presentations with their more affluent clients. These remote sessions proved so effective that Steve decided to continue offering his extensive IUL knowledge by becoming a General Agent with Kansas City Life. Steve is appointed in multiple states and enjoys sharing his vision about IUL’s importance in the financial planning process with advisors and General Agents across the country.

Steve also works closely with property and casualty agencies to educate their more affluent clients and successful business owners the benefits of owning a quality IUL to help expand their tax-me-never financial position beyond Roth’s limitations. Kansas City Life’s EquiFlex IUL is strategically designed to maximize tax-advantaged funding capabilities - with indexed accounts programmed to deliver optimum performance.

As Congress seeks additional revenue sources (taxes), to reduce our country’s enormous national debt - $37 trillion and growing - it is incumbent upon high-income earners to consider IUL as a viable financial tool to help augment the tax-me-never portion of their investment portfolio. Kansas City Life’s EquiFlex IUL provides a financial firewall to protect against potential tax increases that often target the more affluent.

When Steve is not standing on his soapbox extolling the virtues of Kansas City Life’s IUL, he and his wife, Denise, can be found in Leawood, Kansas, spoiling their seven grandkids.