• Receive lifetime stable income
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Creating A Multi-Generational Legacy

Starting in 2020 COVID-19 has disproportionately killed Black Americans over the past two years. Yet, there are still at least 30 million individuals in the minority communities without adequate life insurance coverage, according to the 2021 Insurance Barometer Study conducted by LIMRA.

Insurance can be a helpful tool for creating intergenerational wealth and providing financial security for loved ones after your death. Some of the most common methods for using life insurance for this purpose are:

1. Your life insurance proceeds are usually tax-free.

Typically, the beneficiaries of a life insurance policy do not have to pay taxes on the proceeds, as they are not counted as part of your gross income. (However, any interest the policy earns would be subject to taxation.) This allows you to inherit these funds without having to pay taxes on them.

2. Your policy can guarantee your child’s education.

It is critical to have a life insurance policy in place in case you die prematurely, especially when your children are young. A life insurance policy can ensure that ongoing living expenses are taken care of, and can also keep the dream of a college education for your kids alive. Many parents opt for a term life insurance policy.

One of the lesser-known benefits of permanent life insurance is that it can actually help with college costs while you are alive. In addition to the death benefit, the cash value of the policy accumulates over time. This money can be used in the future for whatever you want, including college costs.

3. You can manage a financial emergency with your cash value.

Other important uses for cash value include taking out a loan in the event of an emergency. This could be for medical bills or to help keep your small business afloat financially. As mentioned in point two, you can take out a loan against your permanent policy. You would be charged interest on the loan, but it would not have to be repaid until the policy expires.

4. If you so choose, you could use the accelerated death benefits to provide for you and your family before you pass. The cost of medical care for a terminal illness can ruin a family financially. More than 50 percent of Americans struggle to repay medical debt, making it one of the leading causes of financial ruin.

If you were to develop a terminal illness, and your life insurance policy had an accelerated death benefit, you could access the money in the policy while you’re still alive. This could be used to cover medical bills, the cost of care, or even to take a dream vacation with your family. Any remaining death benefit would be paid out to your beneficiaries after you pass away.

For instance, after Rob was diagnosed with an inoperable brain tumor, the accelerated death benefit helped the Johnsons. Francesca Johnson was able to take a leave of absence from her job to care for her husband at home before he passed.

Purchasing a life insurance policy for your family is an excellent way to help build wealth and provide for your loved ones. It is affordable and easy to do, and it will put your loved ones ahead of the curve.

Below you can find more information on the annuity process and get in touch with a Certified Financial Planner Professional in your area.


Annuities can Help To Plan Your Retirement On Your Terms! Annuities Foundation will help Find A Strategy And Know What Your Income Will Be For The Rest Of Your Life!


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Family legacies have been created through annuities and used to pass on a financial legacy that keeps funds private, continues to grow and avoid taxes.


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Financial & Retirement planning by age

Retirement at any age

65+ Years old

65+ Years old

With Technology and medical advancements we are living and working longer, there's no better time to get a plan in place.

50-65 Years old

50-65 Years old

With retirement looming, it's an important time to focus your efforts in planning for retirement and reaching your financial and retirement goals.

35-50 Years old

35-50 Years old

These can be the best years to setup a financial place that makes sense and brings peace of mind in knowing you've secured your future cashflow in retirement.

20-35 years old

20-35 years old

With retirement years away, it might be the last thing you are thinking of, certain steps can be taken today to maximize your retirement and stability for tomorrow

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Our Specialization

We have a simple 3 step process that helps walk you through the process, Step 1 is to Request a free no-pressure quote, you'll receive current rates of growth and get more information on the companies we believe can help you. Step 2 is to consult with a professional on your specific case, this can be done in person, by phone and/or Zoom video chat, usually takes 20-30 minutes to establish your needs and strategize your future goals. Step 3 is to receive the policy, this is where your agent will sit with you and explain your policy, expected growth and notify your beneficiaries of what to do if needed. This process is simple

Step 1



Request a free quote and discover current rates and companies.

Step 2



Consult with a professional to discover your ideal financial plan and start the process.

Step 3

Policy Delivery

Policy Delivery

Your Agent will Deliver your policy, explain how it works and notify your beneficiaries.

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With 30+ years of experience in the industry, you can trust the annuities foundation for all of your financial and retirement needs. Wheter your'e planning for retirement soon or it's years away the annuities foundation can help with rates from multiple carriers. Here's what previous users had to say about the annuities foundation organization.

Sarah Bennet

They helped me identify my needs and put me in contact with a professional local agent to set up a customized retirement strategy with tax benefits and lifetime income!

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The Annuities foundation has been a huge help in educating me on my options, they even set me up with a local agent to strategize for my needs with my family's legacy in mind!

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