Founded on the principles of education and empowerment, we’ve created a list of services that we truly believe gives our clients the best chance to secure their futures and find financial success. We want to be able to fully function as your financial service provider, and we take pride in being able to offer options and solutions we believe in for both long-and-short-term planning. Read more about the services we offer below!
Support for All Your Financial Needs
- Life Insurance
- Debt Elimination
- Employee Programs
- Annuities
- Business Solutions
- Strategic Business Alliance
- Legal Services
- Liability & Risk
- Professional Training Assistance
Life Insurance
LifeAnswers Financial Group aims to be a leader in the industry by offering life insurance products that help you plan for the future. As the insurance industry continues to evolve with technology as well as newer and more innovative products for the present and the future, we are here to provide solutions for all our clients’ needs. All of our indexed universal life, whole life and term insurance products 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 have access to these values at any time without penalty, regardless of age. We also utilize long-term care as another vehicle assist our clients.
Debt Elimination
Our debt elimination program allows us to help eliminate the debts of our clients or small business owners in nine years or less, including mortgages, college education, credit cards, automobile loans and/or small business loans without spending any additional money. This concept provides a way to help pay off debt, reduce taxes and increase retirement savings using a safe and predictable strategy that provides guarantees, thereby eliminating debt for future financial goals and allowing you to have freedom.
This ideology has been around for longer than 40 years. Using different strategies and products, we can help you and your family find the right plan to eliminate debt in a time frame that suits your needs. Then, once the debt is eliminated you can focus on the three phases of retirement: maximization, accumulation and distribution, all of which help you retire the way you want to.
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, and tax-advantaged 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 individual needs of each employee. Our ultimate goal is to help employers help their employees become financially educated and independent as they move toward their desired future.
Annuities
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 during which taxes are likely to continue to rise, you can enjoy tax-deferred growth until the day you need your money. 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/Indexed Annuity
- IRA (Traditional or Roth)
- Single-Premium Immediate Annuity
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. We think every small business owner needs a pension plan for retirement, and 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.
We understand that small-business employers work hard to solidify their businesses and make them profitable, and they want to be able to keep more of their hard-earned money. They likely also want to leave a legacy for future generations and create an environment of empowered employees that will help drive business even farther. 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
Strategic Business Alliance
At LifeAnswers Financial Group, we look to bring on financial professionals who put the client first, just as we always have. We aim to bring technology to your fingertips and increase your financial awareness, thereby offering each client the most suitable financial solution for their present and their future needs. We offer an internship program for non-licensed individuals who are interested in being a part of our team. As per the insurance commissioner’s 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. Additionally, 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
Legal Services
Our legal team’s vision is to provide equal access to the liberty, equality, opportunity and justice that every human deserves and expects. As our client, our legal team is fingertips away and at your disposal 24 hours a day. They have experience in assisting you with the setup of a trust and will for your future, free of cost.
This service also offers a program which can monitor and protect the identities of both you and your family members. They will aid you in any legal matter, for every stage of your financial and personal needs.
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 can protect you and your family in the event that protection becomes necessary.
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 and Partners Advantage, you will receive continuous training and support.
Whether you need help or assistance with life insurance products or annuity programs, you’re only a phone call or mouse click away, preparing you with the professional wherewithal to support your clients, small business or agency needs.
Life Insurance
LifeAnswers Financial Group aims to be a leader in the industry by offering life insurance products that help you plan for the future. As the insurance industry continues to evolve with technology as well as newer and more innovative products for the present and the future, we are here to provide solutions for all our clients’ needs. All of our indexed universal life, whole life and term insurance products 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 have access to these values at any time without penalty, regardless of age. We also utilize long-term care as another vehicle assist our clients.
Debt Elimination
Our debt elimination program allows us to help eliminate the debts of our clients or small business owners in nine years or less, including mortgages, college education, credit cards, automobile loans and/or small business loans without spending any additional money. This concept provides a way to help pay off debt, reduce taxes and increase retirement savings using a safe and predictable strategy that provides guarantees, thereby eliminating debt for future financial goals and allowing you to have freedom.
This ideology has been around for longer than 40 years. Using different strategies and products, we can help you and your family find the right plan to eliminate debt in a time frame that suits your needs. Then, once the debt is eliminated you can focus on the three phases of retirement: maximization, accumulation and distribution, all of which help you retire the way you want to.
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, and tax-advantaged 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 individual needs of each employee. Our ultimate goal is to help employers help their employees become financially educated and independent as they move toward their desired future.
Annuities
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 during which taxes are likely to continue to rise, you can enjoy tax-deferred growth until the day you need your money. 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/Indexed Annuity
- IRA (Traditional or Roth)
- Single-Premium Immediate Annuity
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. We think every small business owner needs a pension plan for retirement, and 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.
We understand that small-business employers work hard to solidify their businesses and make them profitable, and they want to be able to keep more of their hard-earned money. They likely also want to leave a legacy for future generations and create an environment of empowered employees that will help drive business even farther. 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
Strategic Business Alliance
At LifeAnswers Financial Group, we look to bring on financial professionals who put the client first, just as we always have. We aim to bring technology to your fingertips and increase your financial awareness, thereby offering each client the most suitable financial solution for their present and their future needs. We offer an internship program for non-licensed individuals who are interested in being a part of our team. As per the insurance commissioner’s 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. Additionally, 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
Legal Services
Our legal team’s vision is to provide equal access to the liberty, equality, opportunity and justice that every human deserves and expects. As our client, our legal team is fingertips away and at your disposal 24 hours a day. They have experience in assisting you with the setup of a trust and will for your future, free of cost.
This service also offers a program which can monitor and protect the identities of both you and your family members. They will aid you in any legal matter, for every stage of your financial and personal needs.
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 can protect you and your family in the event that protection becomes necessary.
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 and Partners Advantage, you will receive continuous training and support.
Whether you need help or assistance with life insurance products or annuity programs, you’re only a phone call or mouse click away, preparing you with the professional wherewithal to support your clients, small business or agency needs.
Life Savings Account Best Retirement
How Indexed Universal Life Concepts can and outperform your current retirement vehicle.
Are You Taxing the Harvest?
Traditional 401(k)s and IRAs grow tax-deferred, meaning that they will be taxed upon distribution. But is it better to tax the seed or the harvest? Our calculator can help you estimate your future tax bill and determine if future tax-mitigation strategies can help you reach your retirement goals!
Planting the Seeds of Opportunity
Contact Us
Phone: (813) 967-1328
Cesar@LifeAnswersFG.com
Office Hours: Sunday to Friday
9 AM to 6 PM
Our Locations
4582 W. Andrew Johnson Hwy.
Morristown, Tennessee 37814
1627 E. Vine St., St. 132
Kissimmee, FL 34744
2335 Tamiami Trail North, St. 303B
Naples, FL 34103