I'm Simon with FFL Simba. I help families, healthcare workers, EP agents, digital creators, drivers and retirees design protection using IULs, Rapid Protect IUL, annuities, term life and final expense.
74% of pre-retirees with an annuity feel confident they will have enough income to live comfortably in retirement. We'll help you understand what that could look like for your family.
Want to see a real example? Watch the Retire With Confidence clip
Protection that can move with you – not just sit in a drawer.
Flexible coverage that can grow with market-linked crediting strategies while offering downside protection. Designed for families who want long-term protection, potential cash value and tax-advantaged options.
Curious how IULs really work? Watch the IUL explainer clip
Built for demanding schedules – EP, healthcare, security, drivers and other front-line professionals whose days and nights don't fit neat 9–5 boxes.
See how Rapid Protect IUL can wrap around your shift life. Watch Rapid Protect Highlight
Annuities can help stabilize retirement income, limit market risk and provide more predictable payouts so you don't feel like you're guessing every year.
Coffee money for a million in coverage? Watch the Million Dollar Coverage clip
The people who spend their lives protecting others – and their families.
Nurses, techs, physicians, EMS – people who give everything on every shift. We help make sure a health curveball doesn't derail the future you're building.
When your work blends risk, travel and long hours, your coverage needs to reflect that reality. Rapid Protect IUL strategies are built with this life in mind.
Whether you're raising kids, building digital income or approaching retirement, we'll help you design a plan that keeps your people – and your cash flow – in focus.
NLG Rapid Protect insurance is designed to provide rapid financial protection against specific risks or events.
It's built for people who want straightforward coverage that can be put in place quickly while still supporting long-term plans for their families.
For specific details about NLG Rapid Protect insurance, it's best to consult a licensed agent, like Simon at FFL Simba.
One unexpected night on shift shouldn't rewrite your family's entire future. Watch Rapid Protect Highlight
Short explanation: why field operators, EP agents and night-shift professionals are leaning into Rapid Protect-style coverage.
For many field operators, EP agents, healthcare teams and night‑shift professionals, a standard 9–5 style plan doesn't match the real risks they face. Coverage needs to flex with wild schedules, travel and the reality of working odd hours.
We'll walk through how Rapid Protect‑style IUL designs can layer in living benefits, income protection and long‑term growth potential so that if something happens off the clock, your plan is built to step in.
Watch Be Your Own Bank clipLife insurance with living benefits can help when more than "life insurance" is on the line.
It's not just about what happens if someone passes away. Modern life insurance can help with qualifying health events, potential retirement income and legacy planning – so your family isn't forced into crowdfunding at the worst possible time.
Break the stereotype: life insurance is not just about dying. Watch the Living Benefits explainer
A quick visual of how living benefits can help families during illness and recovery – not just at death.
With qualifying policies, living benefits may provide access to a portion of the death benefit while you're still alive, during certain serious illnesses or health events. That can be the difference between scrambling and having a plan.
We'll show you simple, real‑life scenarios of how families have used living benefits to keep the lights on, cover treatment and protect long‑term goals – so you're not forced to choose between health and finances.
Real questions families ask – answered in plain language.
“How much protection is enough?”
We'll look at income, debt, kids, goals and current coverage. Many families start with replacing 10–15x income,
then adjust based on budget.
“What if I get sick – not die?”
That's where living benefits can come in. For qualifying policies and events, benefits may accelerate while you're still alive.
“I'm late to the game – is it too late?”
We work with people in their 40s, 50s and 60s every week. The key is to start with a clear plan now.
There's no pressure, no jargon and no judgment. Just a clear look at where you are, what you want for the people you love and what options could fit.
Most conversations take about 20–30 minutes. We'll review your goals, current coverage and budget, then outline a few options that could fit – along with the pros, cons and next steps for each.
Prefer to learn by video first? Watch a quick Q&A style clip
No pressure. No jargon. Just clarity for your family.
Great time to talk if:
We'll keep it simple, honest and focused on what matters most to you.
FFL Simba – Financial Consultant - CEO
Advisor: Simon Ngotho
Phone: (508) 579-3178
Lulu – Financial Consultant - Client Support: (774) 701-9652
Email: Sngotho@FFLSimba.com
Web: fflsimba.netlify.app