Build wealth.
Keep it forever.
We protect Dallas–Fort Worth families with life insurance that builds generational assets — and we develop licensed agents who earn in perpetuity. Two paths. One standard.
"Not an agency.
Not a team.
A standard.
Built to outlast us all."
Luxury Tax Capital is a life insurance distribution organization based in Dallas–Fort Worth, operating inside the PHP, EIB, and Integrity FMO network. Founded by licensed agent Lala Mirpuri in 2021, LTC helps families across Texas protect their income, build tax-advantaged wealth, and pass it to the next generation — while developing a new class of agents who build businesses, not just books.
Access to a wide range of A-rated carriers through the PHP, EIB & Integrity FMO network
Build override.
Own the depth.
LTC partners are licensed life insurance agents who build downline organizations. You earn on your own production and on the production of every agent you develop — without holding product risk or managing payroll.
- Override income across your entire downline
- Full PHP, EIB, and Integrity platform access
- Certified Field Trainer pathway
- Million Point Base Shop framework
- Full Fast Start and duplication system
- Direct access to Redeem Team coaching
Results vary. Income depends on individual production, licensing, and effort. This is not a guarantee of earnings. A licensed life insurance agent is required to sell products.
Protect the wealth.
Pass it down.
We help Dallas–Fort Worth families find life insurance that does more than pay a death benefit. The right policy can grow tax-advantaged cash value, protect against market loss, and become a generational asset your family keeps forever.
- Indexed Universal Life (IUL), whole life, and term
- 401(k) rollover education and transition strategies
- Estate planning referral network
- Tax-advantaged wealth vehicles
- Legacy documentation via Living Legacies
- Long-term financial clarity sessions
Life insurance is not an investment. Guarantees are subject to the claims-paying ability of the issuing carrier. Nothing on this page constitutes tax, legal, or investment advice. Consult a qualified advisor.
"Lala didn't just sell me a policy — she explained exactly how it works and why it matters for my family's future. I finally feel like I understand what I have."
"I came in skeptical about life insurance as an investment. After one conversation I understood IUL in a way nobody had ever explained before. Booked that week."
"The training inside LTC is unlike anything else in the industry. The systems, the coaching, the culture — it's built for people who actually want to build something."
What is an IUL and how is it different from term?
An Indexed Universal Life policy builds cash value linked to a market index, grows tax-deferred, and lasts your lifetime. Term covers a fixed period and has no cash value. IUL is designed for long-term wealth accumulation; term is designed for pure income protection.
Is the consultation really free?
Yes. The first call is 30 minutes with no obligation. We want to understand your situation first and make sure we can genuinely help before anything else is discussed.
What does it mean to become an LTC partner?
Partners are licensed life insurance agents who build their own downline organizations within the PHP, EIB, and Integrity FMO network. You earn on personal production and on the production of agents you develop. A Texas life insurance license is required.
What areas do you serve?
We are based in Dallas–Fort Worth and serve clients across the DFW metroplex, including Plano, Frisco, Prosper, Irving, and surrounding communities. Remote appointments are also available.
Can I roll over my 401(k) into a life insurance product?
We provide education on rollover strategies and work with clients who are exploring their options after leaving an employer. Any rollover or financial decision should be reviewed with a qualified tax or financial advisor.
Which carriers do you work with?
As part of the PHP, EIB, and Integrity FMO network, we have access to a range of highly-rated carriers. We will discuss which products and carriers are the best fit for your specific situation on your consultation call.