About Us

Illuminating Your Financial Future

Protection, Purpose, and a Smarter Path Forward

At Solara Life, we’re on a mission to reframe the way people think about life insurance. It’s not just about what happens after you're gone — and it's definitely not just a policy you forget about. When structured properly, it’s not just insurance — it’s a powerful and flexible strategy & tool for building wealth, accessing tax-free cash, and protecting your future.

We specialize in Indexed Universal Life (IUL) policies and other modern life insurance solutions designed to grow your money, give you access to it when you need it most, and protect your family in the process. This isn’t just protection — it’s a strategy.

Many people misunderstand life insurance. And it’s easy to see why. In a country where healthcare is expensive and financial products can feel overwhelming or underutilized, insurance often gets written off as something you pay into but never benefit from.

But here’s the truth: when structured correctly, modern life insurance — especially cash-value policies like Indexed Universal Life (IUL) — can be one of the most valuable, flexible financial strategies available.

With features like tax-free growth, penalty-free access to your cash, and built-in living benefits, the right policy can do far more than protect your loved ones. It can provide a financial edge — helping you grow wealth, preserve it, and access it when you need it most.

Solara Life was founded by Ron Hoover, a Licensed Broker & Senior Field Underwriter who personally experienced the consequences of not having the right financial protection in place. That journey inspired a mission: to help families make smarter, more strategic decisions with life insurance — without the confusion or pressure.

Ron holds active licenses in over a dozen states, including NJ, AL, FL, GA, KY, LA, MA, MI, NM, OH, PA, SC, TN, TX, VA, WA, and MD — and that list is growing. As Solara Life continues to expand, we’re actively adding new state licenses to serve more families and individuals across the country with personalized, strategy-driven life insurance solutions. Ron brings deep, hands-on expertise to every conversation. Whether you're just starting to build you or your families financial future or planning for retirement, you're not just a client — you're part of our mission.

‍National Producer Number (NPN): 21402218

The Story That Sparked My Mission

After a traumatic brain injury from a car accident changed the course of my life, I made it my mission to ensure others don’t face the same financial vulnerabilities I did. If I had access to the right IUL policy back then, it could’ve protected me financially — and that realization drives everything we do here.

During recovery, I faced more than just physical healing — I experienced the overwhelming stress of unexpected medical bills, income loss, and zero financial protection when I needed it most.

If I had an IUL in place back then, it would’ve saved me hundreds of thousands of dollars. But I didn’t even know what it was. That’s what drives me now — to make sure others do know, and have a chance to protect their future before it’s too late.

That moment shifted everything. I left behind a career path to build Solara Life — a consulting-first life insurance firm rooted in education, transparency, and real human connection. Our mission is simple: Empower individuals and families with smarter, customized insurance strategies built for life — not just loss.

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What Makes Us Different

We’re not a call center. We’re not a one-size-fits-all agency. Solara Life is built around you — your family, your goals, your financial future.

Here’s what we bring to the table:
  • Personalized IUL Strategies: We don’t do one-size-fits-all — we personalize every plan to your lifestyle, income, and long-term vision — using only the most trusted, top-rated carries.
  • Real Conversations, Not Sales Pitches: We don’t sell — we educate. Our consultations are judgment-free, education-first, and designed to give you clarity, not confusion.
  • Fast, Flexible Coverage Options: Many of our policies are approved in 15 minutes, often with no medical exams required.
  • Lifelong Support: Our relationship doesn’t end once you’re covered. As your dedicated broker, we’re here to optimize your plan as life changes.
What we offer:

✅ Indexed Universal Life (IUL) – market-linked growth with downside protection and living benefits
✅ Mortgage Protection Insurance – keep your home secure for the people you love
✅ Term Life Insurance – affordable, flexible coverage when it matters most
✅ Final Expense Insurance – ease the financial burden of funeral costs
✅ Fixed Annuities – create a stream of guaranteed retirement income

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More Than a Policy — A Partnership for Life

Whether you’re just starting to build wealth, protecting your family’s income, or looking for smarter retirement strategies, Solara Life is here to help you make confident, informed decisions. You deserve more than just a death benefit — you deserve a living strategy. Solara Life exists to help you protect your family, build real financial leverage, and illuminate the path forward with confidence.

📞 Schedule your free strategy call today by calling 609-315-2888 and discover how the right life insurance policy can become your financial advantage — not an expense.

It’s about legacy, protection, and freedom — and we’re honored to walk that journey with you.

We’re not just selling policies.‍

With a client-first mindset, custom-built IUL solutions, and deep industry insight, we help you secure lifelong protection and unlock tax-advantaged growth — giving you confidence at every step of your financial journey.

Reliable Protection

Protect your loved ones and grow tax-free wealth with a personalized IUL plan.

Trusted & Certified Advisors

Our licensed specialists tailor IUL strategies to fit your unique financial vision and future needs.

Leading Coverage

Providing top-rated life insurance trusted by families across North America.

24/7 Consulting Support

Our dedicated support team is here for you around the clock, ready to answer questions and guide you through any process.

Protect What Matters. Grow What Lasts.

When you're looking for lifelong protection, Indexed Universal Life (IUL) insurance offers more than just a death benefit. It helps safeguard your loved ones and gives you the opportunity to grow your policy's value over time—with interest crediting tied to market indexes, and built-in protection from market downturns through guaranteed minimums.

Index-Based Performance

Your IUL policy earns interest based on the movement of major stock market indexes (excluding dividends), giving you the potential for higher growth—without the risk of direct market exposure.

Cash Value Protection

With an IUL policy, your cash value is never reduced by market downturns. Thanks to built-in guaranteed floors, your money is protected—only impacted by policy charges, loans, or withdrawals you choose to take.

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