Lambo Agency Vision 

At Lambo Agency, we honor the legacy of Lloyd Lamb Sr, a man who faced immense challenges after serving in Vietnam but never wavered in his desire to help others and secure financial freedom for his family. So this is why we have a Lamborghini which represents our last name Lamb. Our firm is inspired by his resilience and generosity, our vision is to empower individuals and families with the financial knowledge and tools they need to build a secure, prosperous future.

We are committed to providing innovative and strategic solutions with a special focus on Indexed Universal Life Insurance, to help our clients achieve financial independence and tax-free retirement. Through educational workshops, integrity, and personalized service, we strive to create lasting financial legacies, ensuring that every family has the opportunity to thrive—just as Lloyd Sr. would have wanted.

His journey fuels our mission, and his spirit of service lives on in every life we touch. 

Top Carriers

We put our clients first by offering multiple options for coverage through several top carriers like National Life Group, Fidelity and Guaranty, Mutual of Omaha, Aetna, Americo, Foresters, TransAmerica, John Hancock, Athene, and Prosperity Life, just to name a few. 

Lambo Agency Mission

Project 1000 Families: Building Generational Wealth Through Family Banking

At Lambo Agency, we believe that financial security isn’t just about today—it’s about creating a lasting legacy for generations to come. Project 1000 Families is a bold, 20+ year initiative designed to help families build generational wealth using Indexed Universal Life Insurance (IUL) as the foundation for Family Banking.

Our Mission:

To empower 1,000 families with the knowledge and tools to take control of their financial future by leveraging tax-free growth, protected assets, and financial freedom strategies that have been used by the wealthy for generations.

How It Works:

✅ Create a Family Bank – Use an IUL to build a financial system where your money works for you, growing tax-free and accessible when needed.
✅ Generate Wealth Without Risk – Benefit from market gains without suffering losses, ensuring financial security in any economy.
✅ Fund Your Family’s Future – Use your IUL to finance major life events, from education to business investments, all while keeping your wealth in the family.
✅ Break the Cycle of Financial Struggles – Transform your family's financial future by leaving a legacy, not debt.

Join the Movement

If you’re ready to take charge of your family’s financial destiny, Project 1000 Families is your opportunity to build true generational wealth. Let’s create a legacy that lasts!

🔹 Learn more today. Contact us to find out how your family can become part of this movement.

tax-free retirement 

With the IUL, our families are considering the Alternate Loans approach which has advantages over traditional retirement vehicles. Not only is this approach tax-free when you access money in your policy for things like annual income, but your money is still in the account with the opportunity to earning interest. Contrast this with other financial vehicles, like a 401(k). 

continuous compound interest

When our families earn compound interest, you make money  not only on your original deposit, but also on your accumulated gains. Example of Compounding: $2, then $4, then $8 and so forth. (This is the Rule of 72 where 72 divided by rate of return equals years to double your money.)

Be Your Own Bank 

When you and your family take advantage of Becoming Your Own Bank, it will provide tax-free liquidity--access to your cash--for everything from supplemental retirement income,  business capital to children's educations, and emergency funds. It will provide safety from market volatility when utilizing the IUL financial vehicle. It will provide valuable tax advantages, and upon death, the opportunity for money to blossom and transfer to heirs income-tax-free. Your Traditional Investments like a 401(k), 403(b), and a 457 are not a Life Insurance with a Tax-Free Death Benefit; they are Traditional Investments.

Indexed Universal Life

Our families are taking advantage of the Power of Indexing. It is an Indexed Universal Life Fund which represents a properly structured, maximum-funded IUL policy. Indexing allows the money in your policy to gain interest when the stock market goes up, and to be completely protected from losses due to market volatility when the market goes down. There is a ZERO FLOOR to protect your gains. Your money isn't directly IN the stock market, it's  simply LINKED TO the market. 

families are becoming their own bank( Listen To Video Below)

Do you want to know more about how it works?

What is a Million dollar baby & an IUL college fund( Listen To Video Below)

Do you need to know more about how it all works? 

Free Agent Training

The sales training provided at Family First Life Insurance is very structured and places all our agents in a position to become successful. Training at FFL is always free.

3 Types of Income

Direct sales commissions, agency overrides and renewal commissions all deposited directly into your checking account on a daily basis (as you earn them).