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Become your own bank
🏦

Through Creative Strategies Utilizing Cash Value Life Insurance
Trusted by 750+ clients
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Working with the Top A+ Rated Carriers

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What We Do

We provide tailored life insurance solutions to meet your financial needs; ensuring both protection and growth with efficiency and ease. Here’s how I can assist:

Cash Accumulation Policies

Indexed Universal Life (IUL) Insurance

I help clients secure IUL policies that offer substantial cash accumulation potential and flexible premium payments. Most of these policies can be acquired without a medical exam, and you can often receive an instant decision on your application, streamlining the process.

Whole Life Insurance

For guaranteed growth and stability, I offer whole life insurance. These policies provide lifelong coverage, guaranteed cash value, and a fixed death benefit. Many can be obtained without a medical exam, with applications usually resulting in an immediate decision.

Annuities

I assist in choosing the right annuity products for a reliable retirement income. Annuities offer tax-deferred growth and dependable future income. High-value annuity applications often do not require a medical exam and are processed quickly with an instant decision.

Protection Focused Policies

Term Life Insurance

For affordable, straightforward protection, I offer term life insurance. This coverage is ideal for those on a budget and is available with no medical exam required for many policies. Applications typically result in an instant decision.

Final Expense Insurance

Planning for end-of-life expenses is crucial, and I offer final expense insurance to cover funeral costs and related expenses. This type of insurance often does not require a medical exam, and applications usually receive an immediate decision, providing peace of mind for you and your family.

general services

Customized Financial Strategies

I focus on creating innovative financial strategies tailored to your needs, balancing wealth accumulation, protection, and growth. Many high-value policies involved can be secured without a medical exam and with instant application decisions.

Ongoing Support and Review

My commitment extends beyond policy acquisition. I offer continuous support and regular reviews to ensure your insurance solutions evolve with your needs and goals.

Whether you’re building wealth, securing a legecy, or becoming your own bank; You’ll need expert guidance and efficient solutions. 

Contact us today to explore how we can help you achieve your financial independence.

Hey, I'm Honest Ave...

I’m dedicated to helping everyday people secure high-value cash accumulation policies, such as Indexed Universal Life (IUL) insurance and permanent life insurance.

In my role, I specialize in guiding individuals—particularly those in their highest earning years—toward establishing a solid foundation for financial self-reliance. Through creative and tailored strategies, I help my clients harness the power of permanent life insurance to build wealth, become their own bank, and protect their families & businesses.

When I’m not focused on protecting legacies, I’m embracing the joys and challenges of life as a single father of four INCREDIBLE KIDS; Anaiyah, Maryelle, Oziah, and Moriah. These ones inspire me every day and remind me of the importance of planning for a secure & prosperous future. My personal experiences as a father drives my commitment to helping others create lasting financial stability for themselves and their families.

I’m passionate about using my expertise to make complex financial concepts accessible and actionable. Whether you’re looking to optimize your financial strategy, safeguard your future, or simply explore your options, I’m here to offer guidance and support every step of the way.
Let’s work together to turn your financial aspirations into reality and build a brighter future for you and your loved ones. Reach out today to start your journey toward financial empowerment.

What My Clients Are Saying

After my consultation with Averian, I chose a $1.6 million Indexed Universal Life (IUL) policy that allows me to build cash value while keeping my premiums affordable. It’s reassuring to know I have a policy with an A+ rated insurer, and the no medical exam process made it even more convenient. Honest Ave truly understands how to craft personalized solutions for professionals like me.

Angela M

Executive Director

I had been struggling to find a life insurance policy that matched my income needs, and honestly, I didn’t think it was possible without tons of paperwork and medical exams. Averian was a game-changer! He helped me secure a high-value Indexed Universal Life policy with no medical exam. The whole process was surprisingly smooth, and now I feel confident in my financial future.

Sarah L

Marketing Executive

As someone in real estate, I understand the importance of building long-term wealth. After speaking with Averian ‘Honest Ave,’ I realized an Indexed Universal Life (IUL) policy was exactly what I needed to secure my family’s future. He helped me set up a $1.5 million policy that not only provides life insurance but also builds cash value that I can access in retirement. The best part? No medical exam, and the policy approval was swift. I couldn’t be happier with the A+ rated carrier he recommended.

Karen T

Real Estate Developer

I didn’t know much about permanent life insurance until I spoke with Averian. He took the time to explain how IUL policies work and why it would benefit me long term. Now, I have a $1 million policy in place, and it was all done without any medical tests. If you’re looking for an honest, straightforward expert, Honest Ave is the way to go!

David M.

Engineer

I was looking for a way to maximize both my retirement savings and my life insurance coverage. Averian introduced me to the idea of an Indexed Universal Life (IUL) policy, and it changed my entire outlook. I now have a $1.2 million policy that offers market-linked growth potential without the risk of losing money during downturns. The fact that there were no medical exams and the process was quick was an added bonus. Honest Ave really knows how to tailor solutions for high earners.

Patricia W

Corporate Lawyer

I was searching for a flexible life insurance solution that would allow me to grow wealth while protecting my family. Averian ‘Honest Ave’ introduced me to an Indexed Universal Life policy that did just that. His knowledge, combined with A+ rated carriers, made me feel secure in my choice. Best decision I’ve made for my financial future.

Emily S.

Tech Entrepreneur

After years of trying to navigate the complicated world of life insurance, I finally found someone who truly understands. Averian explained everything in a way that made sense, and I was able to lock in a high-value policy quickly, with no medical exams. He connected me to a top-rated insurance carrier, and the process was seamless. Couldn’t be happier!

Michael K

Financial Consultant

When I needed a fast approval for a life insurance policy, Averian came through. His expertise in connecting clients with no-medical-exam policies is unmatched. I’m now covered with a policy that suits my income and legacy planning goals, all through an A+ rated carrier. The consultation was super helpful!

Lauren J

Attorney

I wasn’t sure what type of life insurance was right for me until I spoke with Honest Ave. He explained the advantages of Indexed Universal Life policies and helped me get a $500,000 policy without any hassle. No medical exams, quick approval, and top-rated insurance carriers. This was exactly what I needed.

Chris D

Sales Executive

I always knew I needed more than just a standard life insurance policy, but I didn’t realize how powerful Indexed Universal Life (IUL) could be until I met Averian. He guided me through the benefits, from tax-free growth to borrowing against the cash value. We set up a $2 million IUL policy that gives me flexibility for both wealth building and family protection. No medical exam, quick approval, and an A+ rated carrier—Honest Ave is the real deal.

James B

CEO of a Tech Startup

As someone who handles finances every day, I was skeptical about life insurance products until I had a consultation with Averian ‘Honest Ave.’ He explained the intricacies of IULs and how they could provide more than just a death benefit. I now have a $1.8 million policy that will allow me to borrow against the cash value to supplement my retirement income. No medical tests, and I was connected with an A+ rated insurer. If you’re serious about financial planning, you need to talk to Honest Ave.

Richard F

CFO

My biggest concern was finding a life insurance policy that would protect my family while also allowing me to build wealth. Averian ‘Honest Ave’ showed me how an Indexed Universal Life (IUL) policy could do just that. I now have a $1.3 million policy with a top-rated carrier, and I love that the cash value can grow based on market performance without exposing me to losses. The entire process was so simple—no medical exams and quick approval. I feel much more confident about my financial future.

Lisa H.

Physician

I had been researching life insurance options for months, but none seemed to offer the combination of high coverage and flexibility I wanted. Then I booked a call with Honest Ave. He walked me through how an Indexed Universal Life (IUL) policy could meet my needs. I now have a $2.5 million policy that not only secures my family’s future but also serves as an investment vehicle. The cash value grows tax-free, and I can access it when I need it. It’s truly the best of both worlds.

Brian R

Entrepreneur

I was looking for a high-value life insurance policy with no medical requirements, and after speaking with Averian ‘Honest Ave,’ I found the perfect solution. He walked me through the entire process and connected me with an A+ rated carrier. The approval was quick and easy, and now I have peace of mind knowing my family is fully protected. Highly recommend booking a call with him!

John P.

Small Business Owner

Honesty Saves 😇

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