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Life Product Offerings-LICENSED PROFESSIONAL
Life Insurance
Everyone wants to ensure that their family is protected and provided for no matter what happens. We have partnered with the top life insurance companies to provide our agents with a comprehensive portfolio of term life, whole life, and Indexed Universal Life insurance products. With these products, our agents are able to offer competitive rates at any level of coverage
Tax Free Retirement
Indexed Universal Life insurance (“IUL”) is the fastest growing type of life insurance in the industry today. IUL is a form of permanent life insurance that provides a death benefit – a valuable resource for family members, business associates or other beneficiaries if a policy holder should die prematurely. The death benefit is generally paid income tax free to beneficiaries — a benefit only available on life insurance. This flexible form of life insurance allows our clients to choose the coverage amount based on the premium they prefer to pay and it also allows them to make changes to it as their needs change. IUL policies can build cash value over time to help provide funds for emergencies, education expenses, supplement retirement income or just to grow assets on a tax-deferred basis. The interest credits to the cash value are linked to the performance of stock market indexes, but are not a direct investment in equities, so the cash value is protected from market loss, providing more protection for the insured. Properly structured policies can provide tax-free retirement income …. and we can show you how!
Budgeting and Management
Designed for those of us who've ever battled with a spreadsheet and lost, this class helps you create a usable, flexible spending plan for your real life. First, we'll ask you some simple questions about your income, giving, and spending habits. Then, using time-tested budget percentage guidelines and lots of practical tips, we'll help you create a spending plan to achieve your short and long-term financial goals.
Mortgage Protection
Mortgage protection is a simplified, quick issue insurance that is used to protect our client’s greatest asset. Mortgage protection plans are designed to provide a death benefit to pay off all, or a portion of, a client’s mortgage. Optional riders are available in most states, such as disability income and return of premium, which refunds all, or part of, the premium paid if the policy is unused. This product, offered by many of our carriers, can be customized to fit each client’s needs and budget.
Principle Protection
An annuity can be used to save for retirement, preserve funds already saved for retirement and to provide a steady stream of income during retirement. They have become a very popular choice for retirement planning, especially with the stock market volatility over the last decade. Annuities are financial contracts between an insurance company and contract owners. Payments into an annuity can be made via a lump sum, or a series of monthly payments to the insurance company. These funds will accumulate on a tax-deferred basis, which can be a tremendous advantage over time. Fixed Index Annuities provide an opportunity for growth without the risk involved with most investments. This is especially attractive to pre-retirees and retirees looking to preserve assets they have built over several decades. Many annuities offer the ability to add optional benefits such as a life-time income rider, which gives clients a guaranteed income no matter how long they live. Our dedicated annuity advisory team is always available to assist our agents in finding the best and most suitable annuity product to fit each client’s needs.
Final Expense
The loss of a loved one in death is an emotionally difficult experience. Final expense plans are designed to remove, or offset, the financial stress that is associated with death. Our clients are able to use final expense plans to help their clients prepare for this difficult time. These plans are available in varying coverage amounts to fit a variety of budgets. Due to the diversity of our carriers, Equis agents are able to find coverage for their clients no matter what their current health status may be.
the Black Woman's Economy
Welcome to W3 Women with Wealth. I am DeLayna Michele Elliott. I created the Diamond Wealth by Design system to empower you to MIND, MANAGE and MASTER your Money. You will learn powerful, spiritual and tangible concepts to shift your mindset, heal your money wounds and grow your money! Connect with us today and begin your wealth journey!