Frequently Asked Questions

Getting started is easy! Simply contact us via phone at (341) 257-8466, email at spaxlegacy@gmail.com, or fill out our contact form. We'll schedule a free, no-obligation consultation to understand your needs and goals.

No! Your first consultation is completely free. We believe in understanding your needs first and building a relationship based on trust. There's no pressure and no obligation.

Come prepared to discuss your financial goals, current situation, and any concerns. It's helpful to have information about existing policies, income, debts, and dependents, but we can work with whatever information you have.

We specialize in life insurance with living benefits, including Term Life, Whole Life, Universal Life, and Indexed Universal Life (IUL) policies. Our focus is on policies that provide value while you're living, not just death benefits.

We're not just advisors—we're licensed healthcare professionals (Registered Nurse and Dialysis Specialist) who understand the challenges families face. We offer personalized service, no family left behind philosophy, and products with living benefits.

Yes! We work with families at all income levels. Whether you're just starting out or planning for retirement, we have solutions that fit your budget and goals.

Our financial education covers budgeting, debt management, wealth building strategies, insurance basics, retirement planning, and how money works. We believe educated clients make better financial decisions.

We serve clients across the United States and Canada. Our licensed professionals can help you regardless of your location, with services conducted virtually or in-person when possible.

We offer both! We conduct virtual meetings via phone, video call, or email for convenience. For local clients, in-person meetings can be arranged. We adapt to what works best for you.

Our consultation services are free. We earn commissions from insurance carriers when you purchase a policy, so there's no direct cost to you for our advice and service. The premiums you pay are the same whether you buy through us or directly.

No hidden fees, ever. We're transparent about how we're compensated. All costs are disclosed upfront, and you'll know exactly what you're paying for any product before you commit.

Absolutely! We provide free quotes and illustrations so you can see what's available and make an informed decision before applying for anything.

The amount depends on your income, debts, dependents, and goals. As a general rule, 10-12 times your annual income is recommended. We help calculate the right amount for your specific situation during consultation.

Living benefits allow you to access your life insurance policy's value while you're still alive for critical, chronic, or terminal illnesses. It's like having insurance that protects you in life, not just in death.

It depends on the policy type and amount. Many policies now offer simplified or no-exam options. We'll help you find the best solution based on your health and preferences.

Yes! While pre-existing conditions may affect rates or options, we work with multiple carriers and can find coverage for most situations. Don't assume you can't qualify—let us help!

Tax-free retirement strategies use vehicles like Indexed Universal Life (IUL) policies or Roth accounts that allow you to access retirement income without paying income taxes. This can significantly increase your retirement lifestyle.

The best time is now, regardless of your age! The earlier you start, the more time your money has to grow. But it's never too late—we help people at all life stages.

An IUL offers tax-free income, no contribution limits, no required minimum distributions, and downside protection from market losses. A 401(k) offers tax-deferred growth with employer matching. Many people use both strategies.

We offer an opportunity to become a licensed financial professional and build your own business helping families achieve financial security. You can work part-time or full-time, with full training and support provided.

No prior experience required! We provide comprehensive training, licensing support, and ongoing mentorship. If you're passionate about helping people and willing to learn, you can succeed.

There are licensing and training costs, which vary by state. We'll discuss all costs upfront during the business opportunity meeting. Many people start part-time while keeping their current job.

Income potential is unlimited and based on your effort and success. Some agents earn supplemental income part-time, while others build six-figure+ businesses. Your success depends on you.

Yes. We follow strict privacy and security protocols required by law (GLBA compliance). Your personal and financial information is encrypted, secured, and never shared without your permission.

Most insurance policies have a "free look" period (usually 10-30 days) where you can cancel for a full refund if you're not satisfied. We want you to be confident in your decision.

Absolutely not! The consultation is purely educational and exploratory. We never pressure anyone. Take your time to think, research, and decide what's right for you.

Great! We can review your existing coverage to ensure it still meets your needs. Sometimes people are over-insured, under-insured, or paying too much. A second opinion never hurts!