Our Story

We understand how valuable your time is.  We investigate cash value life insurance policies and fixed income retirement options so you can make a decision about your financial future with confidence. Since we started in 2016, our goal is to help you find the best solution to meet your life insurance financial needs in a fast and simple manner. We are an independent site and not affiliated with any insurers. See which cash value life insurance policies or annuities can provide you the most benefits without having to meet with a financial advisor in-person.  We provide you with options and you make the decision. That simple. Our experts are here for all of your life insurance and annuity needs.

About Sapna Patel, the Founder

Sapna Patel has more than 15 years of experience in the comprehensive financial planning field, with a primary focus on on cash value life insurance, annuities and retirement income generation. Realizing that there was a “gap” in the financial services industry, Sapna has combined her knowledge of finance and technology to provide more customized – and personalized – advice to her clients.

In addition to her experience, Sapna has earned the prestigious Certified Financial Planner (CFP®) designation. She also has a Bachelor’s degree from the University of Georgia and a Master’s degree in Accounting from Georgia State University. Sapna is currently a candidate for the Uniform CPA Exam.

Possessing a philanthropic nature, Sapna joined the United Nations Foundation in 2016. She also become an Ambassador for TIE Atlanta in 2009 and now is an integral part of the TiE Women’s global initiative in which she inspires women entrepreneurs and leaders across various industries and stages of growth. When not working with her clients, Sapna regularly gives back to her community. She is also a Certified Yoga Instructor and a Meditation expert. 

A message from Sapna…

My name is Sapna Patel. When I first got started in my career I was trained by some of the smartest minds in this 175+ year old industry. My hand-picked team specializes in helping Americans financially prepare for retirement with the proper use of cash value life insurance and annuities. We help clients all over the country find ways to generate more income and see how to securely protect their money during these turbulent times.

Despite the current volatility in the market and the low interest rate environment, there are still strategies that you can put in place right now to keep your money securely protected from future market downturns.

While most financial advisors are more than happy to provide you with investment tips and growth opportunities for your portfolio, few financial professionals know how to actually protect your money or convert your savings into a long-term sustainable income so that you can spend with confidence when you desire.

We possess more than 15 years of experience in the comprehensive financial planning field, with a primary focus on cash life insurance, annuities and retirement income generation. Leveraging our expertise in finance and technology, we have developed a method of comparing different types of cash life insurance policies and annuities, and then narrowing down which – if any – are right for our clients, based on their specific goals and objectives.

Even though our home office is located in Georgia, my team and I are able to work with clients throughout the United States. Through our advanced technology systems, not only can we meet “face-to-face” virtually online, but we can also share computer screens so that we are all on the “same page.” That way, you can see first-hand how various income strategies may work for you and your specific goals.

We do our best to take the mystery out of how to find the best cash value life insurance or annuity options for you by answering some of the most commonly asked questions in a simple, personalized way. All of our meetings are conducted over the phone and virtually, which means you do not need to leave your home or have to visit any of our experts in an office.

Feel free to reach out if you are looking for cash value life insurance planning guidance and annuity recommendations to help you reach your personal goals.