WARE LEGACY

WEALTH GROUP

Safeguard your legacy

secure your future

Ware Legacy Wealth Group

Welcome to Ware Legacy Wealth Group, where your peace of mind and financial security are our top priorities, offering personalized insurance solutions to protect what matters most.

Excellent Protection

High Savings Potential

Maximum Time Savings

A Comprehensive Review for Your Future

Before selecting a life insurance policy, we will conduct a comprehensive review of your financial situation, ask about your health history, and inquire about your long-term financial goals. We will also evaluate the following aspects:

Coverage Needs Assessment:

Analyzing your current and future financial obligations, such as mortgage, education costs, and living expenses, to determine the appropriate amount of coverage.

Health and Lifestyle Review:

Reviewing your medical history, lifestyle habits, and any pre-existing conditions to assess the risk and determine the premium rate.

Beneficiary Designation:

Discussing your wishes regarding the designation of beneficiaries and ensuring that your policy aligns with your estate planning goals.

Policy Options and Riders:

Exploring different types of policies, such as term or whole life insurance, and discussing any additional riders, like critical illness or disability coverage, that may enhance your protection.

Let's Get You Covered

Whole Life

What Is Whole Life Insurance?

Whole Life Insurance is more than just a policy—it’s a financial tool designed to protect your loved ones and help you grow wealth. Unlike term insurance, whole life provides:

Lifelong Coverage:

Your family is protected for life, as long as premiums are paid.

Guaranteed Cash Value:

A portion of your premiums builds tax-deferred savings you can borrow against.

Stable Premiums:

Your rates never increase, no matter how long you hold the policy.

How It Works

1. You Pay Premiums:

A portion funds your insurance, while the rest builds cash value.

2. Your Cash Value Grows:

Guaranteed growth and the potential for dividends increase your savings

3. Your Family Is Protected:

In the event of your passing, your loved ones receive a guaranteed payout.

Key Benefits

💵 Guaranteed Payout:

Your family receives a tax-free death benefit.

🌟 Living Benefits:

Access your cash value while you’re still alive.

🏡 Wealth Building:

Create generational wealth for your loved ones.

🔧 Customizable Riders:

Add options like long-term care or disability coverage.

Is Whole Life Insurance Right for You?

Whole Life Insurance is ideal if you:

✅ Want lifelong coverage for your family.

✅ Are looking to build tax-advantaged savings.

✅ Plan to leave a financial legacy for future generations

Don’t wait to secure your family’s future!

Whole Life Insurance offers the stability,

protection, and financial growth your loved ones deserve.

Term Life

What Is Term Life Insurance?

Term Life Insurance is a straightforward and affordable way to protect your loved ones financially. Unlike whole life insurance, term life provides:

Temporary Coverage:

Protection for a set period (10, 20, or 30 years).

Affordable Premiums:

Lower premiums make it an excellent choice for budget-conscious families.

Flexibility:

Choose the coverage amount and term length that fit your needs.

How It Works

1. You Choose Your Term:

Select a policy length (e.g., 20 years) that matches your financial goals.

2. You Pay Premiums:

Regular payments ensure your coverage stays active.

3. Your Family Is Protected:

If you pass away during the term, your beneficiaries receive a tax-free death benefit.

Key Benefits

💰 Financial Security:

Ensures your family can maintain their lifestyle if the unexpected happens.

🏠 Debt Protection:

Covers large expenses like a mortgage, student loans, or other debts.

🔄 Customizable Coverage:

Add riders like critical illness or return of premium for added flexibility.

🕊️ Peace of Mind:

Affordable protection for life’s most uncertain moments.

Is Term Life Insurance Right for You?

Term Life Insurance is ideal if you:

✅ Need coverage for a specific period, such as while raising children or paying off a mortgage.

✅ Want an affordable option to secure your family’s financial future.

✅ Prefer simple, no-frills insurance protection.

Protect what matters most.

Start your journey toward financial security

with Term Life Insurance today!

Indexed Universal Life (IUL)

What Is Indexed Universal Life (IUL) Insurance?

Indexed Universal Life (IUL) Insurance is a versatile financial tool that combines life insurance protection with the opportunity to grow your wealth. Unlike term or whole life insurance, IUL provides:

Flexible Coverage:

Adjust your premiums and coverage amounts as your needs change.

Growth Potential:

Cash value accumulates based on the performance of a market index, like the S&P 500, without the risk of market losses.

Tax Advantages:

Enjoy tax-deferred growth and potentially tax-free withdrawals.

How It Works

1. You Pay Premiums:

A portion funds your life insurance, and the rest builds cash value tied to a market index.

2. Your Cash Value Grows:

Benefit from market growth while your cash value is protected against market downturns.

3. Your Family Is Protected:

In the event of your passing, your beneficiaries receive a tax-free death benefit.

Key Benefits

📈 Market Growth Without Risk:

Earn interest based on a market index while your principal remains protected.

🔄 Flexible Premiums:

Adjust your payments to match your financial situation.

💳 Living Benefits:

Access your cash value for emergencies, education, or retirement income.

🏛️ Estate Planning:

Leave a legacy with guaranteed life insurance protection.

Is Indexed Universal Life Insurance Right for You?

IUL Insurance is ideal if you:

✅ Want lifelong coverage that adapts to your financial needs.

✅ Are looking for a low-risk way to grow wealth tied to market performance.

✅ Need a tax-advantaged solution for retirement planning or supplemental income.

✅ Plan to leave a financial legacy for future generations.

Take control of your financial future.

Protect your family and build wealth with IUL insurance today!

Mortgage Protection

What Is Mortgage Protection Insurance?

Mortgage Protection Insurance is a specialized type of life insurance designed to ensure your loved ones can stay in their home if the unexpected happens. Unlike traditional life insurance, it specifically focuses on protecting your mortgage.

Affordable Coverage:

Tailored to match your mortgage balance and term.

Peace of Mind:

Provides financial security for your family to cover monthly payments or pay off the mortgage.

Quick Approval:

Easier qualification process compared to other insurance types.

How It Works

1. You Choose Coverage:

Select an amount that matches your mortgage balance.

2. You Pay Premiums:

Affordable payments keep your policy active.

3. Your Mortgage Is Protected:

If you pass away, your family receives a tax-free payout to cover the mortgage or other expenses.

Key Benefits

🏡 Home Security:

Ensures your family can stay in their home during difficult times.

🔧 Customizable Policies:

Add riders for critical illness or disability for comprehensive protection.

💸 No Financial Burden:

Helps your loved ones avoid foreclosure or financial stress.

💡 Flexible Payout Options:

Benefits can cover the mortgage or be used for other financial needs.

Is Mortgage Protection Insurance Right for You?

Mortgage Protection Insurance is ideal if you:

✅ Have a mortgage and want to secure your family’s home.

✅ Are a new homeowner or refinancing your home.

✅ Want affordable coverage for a specific term aligned with your mortgage.

✅ Prefer a policy that can adapt to your family’s changing needs.

Protect your home and family.

Ensure your loved ones have a secure future

with mortgage protection insurance.

Estate Planning

What Are Wills and Trusts in Estate Planning?

Wills and trusts are essential components of a comprehensive estate plan, ensuring your assets are distributed according to your wishes after you pass. These legal tools help protect your family, reduce taxes, and avoid lengthy probate proceedings.

Will:

A legal document that outlines how your assets will be distributed after your death.

Trust:

A legal arrangement where a trustee holds and manages assets on behalf of beneficiaries, often avoiding probate and providing added control.

Peace of Mind:

Ensures your wishes are honored, even after you’re gone.

How It Works

1. Create a Will:

Specify how you want your assets divided among heirs, nominate guardians for minors, and establish instructions for any other important matters.

2. Set Up a Trust:

Designate a trustee to manage your assets on behalf of your beneficiaries, often to avoid probate or protect assets for future generations.

3. Your Legacy Is Protected:

Both wills and trusts ensure your financial legacy is passed on according to your specific wishes.

Key Benefits

🏛️ Avoid Probate:

Trusts can help your beneficiaries avoid the lengthy, public process of probate.

🕰️ Control Distribution:

Control how and when your heirs receive their inheritance, which can be important for minor children or beneficiaries with special needs.

💵 Reduce Estate Taxes:

Certain types of trusts can help minimize estate taxes, preserving more wealth for your family.

🛡️ Asset Protection:

Trusts can protect your assets from creditors or other external claims.

Are Wills and Trusts Right for You?

Wills and trusts are ideal if you:

✅ Want to ensure your assets are distributed according to your wishes.

✅ Have minor children or beneficiaries who need special care or guidance.

✅ Want to avoid probate and speed up the distribution process.

✅ Wish to reduce estate taxes or protect assets from creditors.

Secure your legacy

and protect your loved ones.

Create a will or trust today to ensure your assets a

re handled exactly as you wish.

Annuity

What Are Annuities?

An annuity is a financial product that provides a guaranteed income stream, often used for retirement planning. Annuities offer long-term financial security by converting a lump sum of money into periodic payments over time.

Guaranteed Income:

Provides a steady, predictable income for a set period or for life.

Tax-Deferred Growth:

Earnings grow tax-deferred until you begin receiving payments.

Customizable Options:

Choose from various types of annuities to match your retirement goals.