Last updated 3 September 2026

Disclosures

Who we are

Lifetime Family Wealth Group is an independent insurance agency based in Florida. Our producer holds National Producer Number 21597621. We are not an insurance company. Policies are issued and claims are paid by the insurance carrier named in your contract.

Not a government program

We are not affiliated with, endorsed by, or acting on behalf of any government agency, the Social Security Administration, Medicare, the Department of Veterans Affairs, or any state program. Nothing on this site is a government benefit.

How we are paid

You do not pay us directly. If you decide to take a policy, the insurance carrier pays us a commission, which is already built into the premium the carrier files with your state and is not added on top of it.

Where we are licensed

We can only transact insurance business in states where we hold an active license. As of the date above that is: Alabama, Florida, Iowa, Maryland, Massachusetts, Nebraska, Ohio, Pennsylvania, South Carolina, Tennessee, West Virginia.

About the products

Products, features, riders, benefit amounts and rates vary by carrier and by state and are not available in every state. All coverage is subject to underwriting approval and to the terms, conditions, limitations and exclusions of the policy as actually issued. Some policies pay full benefits from the first day; others use a graded or modified benefit with a waiting period, typically two years, on death from natural causes. we will tell you which one you are being offered before you sign anything.

Rates and examples

Any premium or benefit figure in our advertising or on this site is an illustration, not an offer or a guarantee. Your own rate depends on your age, sex, health, tobacco use, state and the carrier that ultimately approves you.

Not advice

This site is general information about insurance products. It is not legal, tax or investment advice.

Questions

Call (786) 972-0001 or write wealthadvisor.ev@gmail.com.