Independent life insurance agency · Licensed in 11 states
Final expense, indexed universal life, mortgage protection and fixed indexed annuities, compared across more than ten carriers and explained in plain words. One phone call, no office visit, no pressure.
Not a carrier, not a call center, not a government program. Your details are never sold.
Personalized life insurance, tax-advantaged wealth strategies and retirement income, for every stage of life.
So the bills do not land on your family
A small whole life policy, usually $5,000 to $40,000, sized to the funeral, the burial or cremation, and the last medical bills. No medical exam, a short set of health questions, and the premium never goes up.
Get a free quote →Protection now, tax-advantaged growth for later
A permanent policy that protects your family and builds cash value tied to a market index, with a floor so a bad year does not take your principal. Money you can access later, generally tax-free, for retirement or anything else.
Schedule a consultation →Retirement income that cannot be lost to the market
Your principal is protected from market losses, you keep the chance to grow with the index, and you can turn it into a guaranteed income for the rest of your life. For the money you cannot afford to gamble with.
Schedule a consultation →Your family stays in the house
Term life insurance sized to your mortgage. If something happens to you, the payout goes to your family, not the bank, and they decide whether to pay the house off or keep the payments going.
Get a free quote →Your age, your state, who depends on you, and what you want the coverage to do: pay for a funeral, protect the house, replace an income, or build something for retirement. Two minutes on the form or one phone call.
We are independent and appointed with more than ten carriers. We run your details through each one and come back with the two or three that fit you best, with the real monthly cost of each.
Most applications are done over the phone with a few health questions, and most need no exam. Many are approved within days. The policy is issued in your name and we stay your agency for the life of it.
Carriers we are appointed with include Mutual of Omaha, Transamerica, Americo, American Amicable, Foresters Financial, Kansas City Life, Sentinel Security Life, CICA Life, Combined Insurance, American Home Life, Aflac.
Lifetime Family Wealth Group was founded with one goal: to help families take control of their financial future with confidence and clarity. We are based in Florida and work with families across 11 states, entirely by phone.
We are independent, which means we do not work for any one insurance company. We are appointed with more than ten carriers and get paid the same whichever one you pick, so the only reason to recommend one over another is that it fits you better.
Most of our clients have been putting this off. They usually want two things: to know their family will be taken care of, and to not be talked down to while they sort it out. We take both seriously.
Your Family, Your Legacy, Our Commitment.
“Professional, honest, and easy to work with”
I had no idea where to start with life insurance and retirement planning, but they made everything simple and easy to understand. They took the time to explain all my options and helped me choose a plan that fits my family perfectly. Highly recommend!
“They helped me protect my home and family”
I was worried about what would happen to my family if something happened to me, especially with our mortgage. They showed me a solution that gives me peace of mind knowing my home and loved ones are protected. The process was quick and stress-free.
“Clear guidance and no pressure”
What I appreciated most was the honesty. There was no pressure, just real advice tailored to my situation. I now have a plan in place for retirement and feel confident about my financial future. Great experience from start to finish.
Everything is done by phone and e-signature, so it does not matter which of these you live in. If your state is not listed, we cannot write your policy and will tell you so on the first call.
Term life covers you for a set number of years, usually 10 to 30, for the lowest monthly cost. It fits a mortgage, young kids, or an income that needs replacing. Whole life costs more per month but never expires and builds cash value. Final expense is a small whole life policy sized to the bills your family gets when you pass. Most people end up with one or the other, some with both. We will tell you which fits, not which pays us more.
It is a small whole life policy, usually between $5,000 and $40,000, meant to cover what your family owes when you pass: the funeral home, the burial or cremation, the headstone, the last medical bills, and whatever else lands on the kitchen table that month. The money is paid to the person you name, and they can use it however they need to.
Usually not. Most of what we write uses a short set of health questions instead of an exam, with no blood work and no nurse visit. Larger term policies sometimes ask for one, and we will tell you up front if yours does. Many people are approved within a day.
Usually, yes. Diabetes, high blood pressure, heart history, COPD and past cancer are all things carriers see every day, and different carriers treat them differently. That is the point of working with an independent agency: we know which carrier will take which condition.
Not while the policy is in force. Your premium is fixed the day it is issued, for the full term on term life and for life on whole life, as long as you keep paying it. The carrier cannot raise your rate because you got older or your health changed, and cannot cancel you.
Indexed universal life is permanent life insurance with a savings component. Part of your premium buys the death benefit; the rest goes into a cash value account whose growth is tied to a market index like the S&P 500, with a floor of zero so a down year does not shrink it. You can borrow against that cash value later, usually without owing income tax on it. It costs more than term and is meant to be held for decades, so it is not for everyone. We will tell you honestly if it is not for you.
It depends on your age, sex, health, tobacco use, state, the type of policy and the amount of coverage. There is no honest way to put one number on a website. We will give you exact figures from several carriers before you decide anything.
No. We are an independent, licensed insurance agency. We are not a carrier and are not affiliated with any government agency, Social Security or Medicare. If you take a policy, the carrier pays us a commission; you never pay us directly.
Tell us a little about your situation. We will compare the carriers and call you back with real monthly figures, the ones that fit and the ones that do not.
