Areas of Expertise
life insurance
LifeAnswers Financial Group leads the industry by offering Life Insurance Products that help you Plan for the Future. As the Insurance Industry continues to evolve with technology with new and better products for the present and the future, we are here to provide the Best Solutions for Our Clients needs. With our Index Universal Life, Whole Life and Term Insurance products, each of them include the Accelerated Living Benefit Rider for Chronic, Critical and Terminal Illnesses. These Accelerated Living Benefit Riders can provide an unrestricted cash benefit in the event the insured is diagnosed with a qualifying illness. In some of these policies you can accumulate Tax Deferred growth, increase accumulation amounts and can have access to these values at any time without penalty, regardless of age. Long Term Care is another vehicle we utilize to assist our Clients.
annuity products
The world of finance is ever growing and evolving, and we’re not just talking about the trends. With the consistent introduction of varying revenue streams and distribution channels, the opportunity for profit grows, but so does the complexity. That’s where we come in. We take pride in clearly educating and navigating the often foggy landscape of financial services and its relationship to your future. Whether you are already enjoying retirement or are still working towards your future goals, a Fixed or Indexed Annuity may provide the retirement solutions you are looking for. Indexed Annuities provide the potential to grow as well as protection against big declines in value. In a time where taxes are likely to continue to rise, enjoy tax-deferred growth until the day you need it. You have the flexibility to place your hard earned money in different strategies and the option to select Lifetime Income Riders. We help our Clients by analyzing, calculating and restructuring their finances in order to implement an annuity product that suits their future needs.
Fixed/Index Annuity
IRA (Traditional or Roth)
Single Premium Immediate Annuity
legal services
Our Legal Team’s Vision is to provide Equal Access to the Liberty, Equality, Opportunity & Justice that every human deserves and expects. A Legal Team which is finger tips away and at Your disposal 24 hours a day. They are experts in assisting you setup a Will and Trust for your future, free of cost. This service also offers a program which can monitor and protect you and your family’s identity. They will aid you in any legal matter, for every stage of a Your Financial and Personal Needs.
debt elimination
Our Debt Elimination Program allows us to help eliminate our Clients or Small Business Owners debts in 9 Years or less, including mortgages, college education, credit cards, automobile loans and or small business loans without spending any additional money than you are already spending. This concept provides a way to help pay off debt, reduce taxes and increasing retirement savings using a safe and predictable strategy that provides guarantees. Thereby eliminating debt for financial future goals and allowing you to have freedom. This ideology has been around for over 40 years. We find the right plan for you and your family to financially wipe away all your debt in a time frame that suits your needs. Now, once the debt is eliminated you can focus on the 3 phases of retirement: maximization, accumulation & distribution to secure your financial freedom.
business solutions
The way people view their financial future is constantly in flux, so the business solutions must adapt quickly. LifeAnswers strives to anticipate these changes so you can focus more on initiating a lifetime income solution. Among our clients are educators, nurses, doctors, directors, dentists, lawyers, police officers, government officials, home builders and many other industry professionals or small business owners. Every Small Business Owner needs a Pension Plan for retirement. A good retirement plan can bring about the wealth build-up needed for tomorrow, as well as provide for tax advantages and other benefits today. Small Business Employers work hard to make their business solid and profitable and they want to be able to keep more of their hard earned money. They want to leave a legacy for future generations and to create an environment of empowered employees that will help drive business even bigger. We provide a free Retirement Plan Review Analysis that will produce the right solutions for the Small Business Owner.
401(k) - (Roth, Safe Harbor, Solo)
New Comparability Profit Sharing
Profit Sharing
LIABILITY & RISK
Whether you run an Agency or you’re just an independent Agent, Errors and Omissions (E&O) Insurance is a form of professional liability insurance designed to protect employees and employers against Client claims of negligence or inadequate work. All businesses need to minimize their legal liability and risk in the event of a claim. Your E&O Insurance will protect You and Your Family’s assets.
employee programs
We answer the key retirement questions. Working with our Partners we can help design 403(b) or 457(b) Employee Program plans (Tax Sheltered Annuity, Tax Deferred until Distribution & Tax Advantage Supplemental Retirement Savings) for your School Districts, Charter Schools, Churches, Non-Profit Organizations and Governmental Agencies. Our retirement education starts during the implementation process and continues until your employees retire. We equip you with the right tools and education as we support and provide competitive retirement benefits for your employees. Partnering with you, we build the participant education model that meets the needs of your plan while serving the individuals needs of each employee. Our ultimate goal is to help employers help their employees become financially independent for their future.
STRATEGic business alliance
At LifeAnswers Financial Group, we look to bring on Financial Professionals who put the Client First. We bring Technology and all the Financial Awareness to You, thereby offering your Client the Best Financial Solution for their Present and their Future Needs. We offer an Internship Program for non-licensed individuals that are interested in being a part of our Team. As per the Insurance Commissioners Office, depending on which state you are located, certain schooling and licensing fees may apply. We offer a competitive compensation program that can help you save money and make more of it in the long run. We welcome existing Insurance Agencies that want to develop and grow their business in life insurance and annuities while maintaining their independent agency. We look to steer Insurance Agencies in a better direction with a balance of legal, business, operational, and financial strategies that have clear execution and built-in problem-solving contingencies. Our holistic approach is essential to any company looking to grow.
Life Insurance/Annuity Education
Software Database Training
Client Presentation Practices
professional training Assistance
Maintaining the integrity of your Professional image is an inseparable part of your business, whether you’re working with a client or a small business. Through LifeAnswers & Partners Advantage you will receive continuous Training and Support. Whether you need help or assistance with Life Insurance products or Annuity programs, your only a phone call or mouse click away; preparing yourself for your clients, small business or your Agency needs.