Instant Coverage
Most of our coverage is instant. No medical exam, no needles, no waiting weeks for an answer. Decisions come fast, and your family is protected right away.
ASCND Wealth / Insurance and Family Planning
ASCND Wealth
A comprehensive approach to protecting your family and building wealth: personal consultations, life insurance, and a plan built around your needs. One conversation with a professional, and your family has a plan that fits your life.
Protection, built around your family
- AAction
- SStrategy
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- NNourishment
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The Advantage
Simple. Fast. Instant.
Where the other guys send a nurse to your house and put you through a full exam process, we keep it simple. Here is how ASCND Wealth does it differently.
Fully Underwritten Options
For families who want it or need it, fully medically underwritten policies are available too. If that route gets your family the right fit, we walk you through every step of it.
We Shop For You
We work with over 30 A+ rated carriers, so we shop for the right fit for your family instead of forcing one company's product on everyone.
Invest
Protect Today. Grow For Tomorrow.
Life Insurance
Finding the right plan is critical to protecting your family and your money. The right policy does more than pay a benefit. It can grow with you, support you while you are living, and put cash within reach when life calls for it.
- Flexible premiums that fit your budget
- Tax advantaged growth on your cash value
- Living benefits you can use during your lifetime
- Easy access to your cash value when you need it
Annuities
Have an old 401(k) sitting with a former employer, or money you want working safely? An annuity can turn it into income now, or deferred income for later, with strong growth potential and low risk.
- Put an old 401(k) back to work
- Income now, or deferred income for later
- Strong growth potential with low risk
- A steady plan for the years ahead
We work with over 30 A+ rated carriers, including
200+
Families Served This Year
Real families, protected with plans built around their needs, their budgets, and their goals.
Your Next Step
Ready To Take Control Of Your Financial Future?
It starts with one personal consultation. We look at where your family stands, explain your options in plain language, and build the plan that fits. Learn more on the call, and leave with a clear next step.
Schedule an AppointmentQuestions
Frequently Asked Questions
You might, and if you do, take it. But employer coverage is usually not nearly enough to protect your family, and you lose it the day you leave the job. Your family needs coverage you own and control, that stays with you wherever your career goes.
With us, usually not. Most of our plans are instant coverage with no medical exam at all. If a fully underwritten policy gets your family a better rate, we will walk you through it. That option is on the table too.
Only fully underwritten cases involve an exam, and it is a lot like a basic physical: vitals, height and weight, and a blood sample. Sometimes a urine sample or an EKG is included. The insurer's testing company handles it, and we keep you posted at every step.
The death benefit is the amount your policy pays your beneficiary if you pass away. It is paid income tax free, in one lump sum, and it is also called the face value of the policy.
Whoever you choose to protect: your spouse, your kids, your family. You can name more than one beneficiary, and you can update them any time as life changes.
Term insurance covers you for a set period at lower premiums, and it builds no cash value. Permanent insurance stays in force as long as premiums are paid, and it builds cash value you can borrow against. Whole life and universal life are the common permanent types.
An IUL is indexed universal life: permanent insurance with a death benefit plus a cash value account. The cash value earns interest linked to a market index like the S and P 500, with a floor that protects you when the index falls and a cap on gains. Premiums are flexible, and your money is never invested directly in the market.
Not necessarily. An IUL offers index linked growth potential and flexible premiums. Whole life is simpler, with a guaranteed death benefit and fixed premiums. The right answer depends on your needs and goals, which is exactly why we shop over 30 carriers instead of pushing one product.