Welcome to Team emPower
Your trusted team of financial professionals specializing in providing safety nets for families during life's uncertainties. Through Indexed Universal Life insurance solutions, we empower both families seeking financial security and agents building rewarding careers.
Contact Us
Discover strategies to minimize taxes, reduce risk, and generate income regardless of market fluctuations.
Connect Online
linkedin.com/company/teamepower
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Schedule a Consultation
Book a free 30-minute call to discuss how we can help you create generational wealth.
Visit Our Office
Meet with our team in person to explore our tailored financial protection solutions.
What is an IUL and Why You Need It?
An Indexed Universal Life (IUL) policy offers a unique blend of financial protection and growth. It provides a lasting safety net for your loved ones, builds tax-advantaged cash value linked to market indexes (like the S&P 500) without direct investment risk, and allows flexible access to funds. IUL is a smart way to secure your family's financial future and gain peace of mind.
Growth Potential
Cash value grows based on market index performance for higher potential returns.
Market Protection
A minimum interest rate protects cash value from market downturns.
Tax Advantages
Access accumulated cash tax-free through policy loans and withdrawals.
How Indexed Universal Life Insurance Works
Protection
Provides essential death benefit protection for your loved ones, ensuring their financial stability regardless of what happens.
Downside Protection
Your principal is protected from market losses, ensuring your savings never decrease due to market volatility.
Cash Flow
Access your cash value through policy loans and withdrawals, providing flexible liquidity for opportunities, emergencies, or supplemental income without market timing concerns.
Estate Planning
Efficiently transfer wealth to beneficiaries with tax-free death benefits, bypassing probate and providing immediate liquidity for estate settlement and family needs.
Living Benefits of Indexed Universal Life Insurance
Beyond death benefits, Indexed Universal Life insurance offers powerful living advantages that can transform your financial future while you're still here to enjoy it.
Tax-Free Income in Retirement
Access cash value through policy loans without income taxes. Supplement retirement income without increasing your tax bracket or affecting Social Security benefits, creating an efficient income strategy.
Critical Illness & Chronic Care Riders
Access a portion of your death benefit while living if you experience a qualifying critical illness (heart attack, stroke, cancer) or chronic condition requiring long-term care. Provides substantial financial protection during health challenges.
College Funding Alternative
Use IUL cash value to fund education expenses without 529 plan restrictions. Funds remain available for other purposes without penalty if scholarships are received or college plans change, offering unmatched flexibility.
Terminal Illness Riders
If diagnosed with a terminal illness (life expectancy 12-24 months), access 50-75% of your death benefit. Provides crucial financial resources for medical expenses or end-of-life wishes, without financial strain.
Child & Family Benefit Riders
Extend coverage to children and family members without separate policies. Provides death benefit protection for children and can convert to permanent coverage as adults, regardless of health changes, ensuring future insurability.
IUL Presentations for Organizations
Team emPower offers comprehensive Indexed Universal Life insurance presentations tailored specifically for businesses, professional associations, and community organizations. Our expert-led sessions demystify the complexities of IUL and demonstrate how these powerful financial tools can benefit your group members.
Our engaging presentations cover the fundamental benefits of IUL policies, including tax advantages, wealth accumulation strategies, and protected growth potential. We customize each session to address the specific needs and concerns of your organization's members.
Schedule a presentation for your organization today and give your members access to valuable financial knowledge that can transform their approach to retirement planning, wealth protection, and generational wealth transfer.
Dr. Jones provides powerful presentations on securing family legacies, offering profound insights into long-term financial stability and intergenerational wealth.
Annuities
Understanding Annuities: Secure Your Future Income
Annuities are unique financial contracts designed to provide a guaranteed income stream, typically for retirement. They offer a powerful solution to longevity risk, ensuring you don't outlive your savings. With tax-deferred growth and various payout options, annuities can be a crucial component of a comprehensive financial strategy, complementing other wealth-building tools like IUL.
Guaranteed Income
Receive predictable payments for a set period or for life, providing financial stability and peace of mind in retirement.
Tax-Deferred Growth
Your annuity's earnings grow without being taxed until you withdraw the funds, allowing your money to compound faster over time.
Principal Protection
Safeguard your initial investment from market downturns, ensuring your core retirement savings remain secure.
Customizable Options
Choose from immediate or deferred payouts, and various riders to tailor the annuity to your specific financial goals and needs.
Securing Your Family's Future
At Team emPower, we understand that true wealth is about more than just numbers—it's about protecting what matters most. Our comprehensive financial strategies, including IUL and annuities, are designed to give you peace of mind, ensuring your loved ones are cared for and your legacy thrives for generations to come. Plan today for a brighter tomorrow.
Meet Our Team
Sharon
Maryland
Serwaa
Maryland
Gerald
Maryland
Geneva
Maryland
Shyies
Virgina
Sonya
Maryland
Michele
Maryland
Laquita
South Carolina
Julian
Maryland
Kea
Maryland
Vincent
Maryland
Join Our Team
Meet Our Senior Marketing Director
Dr. Aaron Jones
Dr. Jones has guided agents to establish careers in life insurance through his strategic leadership and mentorship.
He brings dedication and commitment to each agent's success journey.
Personalized Support
Direct access to customized guidance for your unique business challenges.
Professional Development
Training programs designed to accelerate your career growth.
Marketing Excellence
Innovative strategies to help you connect with ideal clients.
Congratulations, Dr. Aaron Jones!
Recognized as a Top 50 Rising Star
Dr. Aaron Jones has achieved a significant milestone, earning a spot among the elite Top 50 Rising Stars at WFG.
A Testament to Excellence
This prestigious recognition highlights his dedication, exceptional performance, and profound impact within the financial industry.
Inspiring Future Success
His achievement serves as an inspiration to our entire team and a testament to the powerful opportunities available at Team emPower.
Why Choose Team emPower?
Professional Guidance
Our team brings experience in crafting personalized insurance solutions that protect what matters most to you.
Proven Results
We've helped families establish reliable financial safety nets that provide peace of mind and long-term security.
Powerful Information
We believe in empowering our clients through financial education, ensuring you understand exactly how your protection works.
One-on-One Coaching for Agents
New Agent Foundation
Comprehensive training on product knowledge, prospecting techniques, and client relationship management tailored for those new to the industry.
Business Development
Strategic guidance on building your book of business, marketing approaches, and creating systems for sustainable growth.
Community Support
Join a community of like-minded professionals who share insights, celebrate successes, and support each other through challenges.
Join Our Team: Onboarding Process
Initial Consultation
Begin with a no-obligation conversation about your career goals and how they align with our mission of helping families achieve financial security.
Training & Orientation
Experience our comprehensive onboarding program that equips you with product knowledge, marketing strategies, and compliance training.
Mentorship Matching
We provide personalized guidance and support as you launch your career with Team emPower.
We're committed to your success from day one. Our structured onboarding process ensures you have the foundation, resources, and support network needed to build a rewarding career while making a positive impact on the families you serve.
Our Powerful Partners
Team emPower is proudly affiliated with industry leaders that enhance our ability to serve you.
1
Transamerica
Backed by over 100 years of financial stability and innovative solutions. Visit Transamerica
2
World Financial Group
Access to comprehensive financial strategies and premier products. Learn More
3
Nationwide
Known for strong financial standing and a wide array of insurance products, offering peace of mind and comprehensive coverage.