Realtor – HonestySaves.com

DUAL-EQUITY MORTGAGE PROTECTION

Set your business apart while potentially doubling your income

Become a Full-Spectrum Advisor

We empower real estate agents and brokers to add a high-value income stream by offering mortgage protection life insurance alongside their existing real estate services. By becoming dual-licensed as both a real estate professional and a life insurance broker, you transform from a transactional agent into a full-spectrum advisor—someone who not only helps clients buy the home, but also helps them protect the home and build long-term wealth inside it. This dual-licensing approach allows you to guide clients in strengthening two of the most important assets they’ll ever own:

Cash value life insurance — a flexible, tax-advantaged asset that grows safely over time
Real property — the foundation of their family’s financial stability

At the same time, you give homeowners peace of mind knowing that their mortgage, equity, and loved ones are protected in the event of a premature death or disability. For clients, it’s holistic planning.

For you, it’s differentiation, deeper relationships, and recurring income that continues long after the closing table.

Or you can simply refer your clients to us and we will illustrate and offer the value for you

Our Solutions

Dual-Equity (IUL)

Offer your clients an Indexed Universal Life (IUL) policy with a death benefit that matches their mortgage. The policy’s cash value grows based on the S&P 500’s performance, compounding over time. Clients can access this cash value legally, 100% tax-free and penalty-free through policy loans—giving them flexible funds they can use for any purpose (like renovations, property taxes, mortgage payments, etc.) This is a permanent policy so the death benefit will be there regardless if the mortgage is active or not.

Decreasing Term

An affordable option for price-focused homebuyers. It provides full mortgage protection from day one, and the coverage gradually decreases over the 30-year term in line with your remaining mortgage balance. If death or disability occurs, it pays off what you still owe… nothing more, nothing less. The policy will expire once the term ends.

Level Term

Also an affordable option that provides the same amount of coverage for the entire term of the policy or mortgage; typically 20 to 30 years. The benefit never decreases, giving the surviving family a fixed payout that can cover the mortgage and provide additional financial support if death or disability occurs. It offers stable, predictable protection for long-term peace of mind.

Return of Premium

This policy offers your clients the security of level term coverage, but with a major advantage: if they outlive the policy, they would get back every dollar you paid in premiums plus interest! It provides full, consistent, and affordable mortgage protection during the term, and refunds your money at the end—turning your protection into a smart, risk-free financial strategy.

General Services

Customized Financial Strategies

Our approach is 100% client focused! We work together with our clients to develop the most advantageous solution for their unique circumstance.

Ongoing Support and Review

Our support continues for the entire life span of the policy! We offer expert support and on-going review of your policy to ensure your plans evolves as life inevitably does.

Hey, I'm

As a fellow 1099 earner and self-employed business owner, I understand the challenges that come with building income, planning for retirement, and protecting the people who depend on you. That’s why I’ve dedicated my career to helping entrepreneurs, contractors, and independent professionals secure high-value Indexed Universal Life (IUL) strategies designed to create tax-free retirement income and long-term financial stability.

I specialize in guiding self-employed individuals—especially those earning $100K+—through the process of using properly structured cash value life insurance to build wealth, reduce tax exposure, and create their own private banking system. My goal is to make these strategies simple, clear, and accessible so you can take control of your financial future with confidence.

Being self-employed myself, I know what it feels like to have inconsistent income, no employer retirement plan, and the constant responsibility of providing for both family and business. That firsthand experience fuels my passion for helping others avoid financial vulnerability and instead build long-term security through smart, personalized planning.

Outside of my work, I’m proudly a Husband to one amazing woman, Makayla, and Father to six incredible kids—Anaiyah, Maryelle, Oziah, Moriah, Kobe, & Judah (on the way). They’re my daily reminder of why generational wealth, protection, and financial freedom matter so deeply.

If you’re ready to understand how IUL can help you accumulate tax-free cash, protect your family, grow wealth, and build a retirement strategy tailored to the unique life of a business owner—I’m here to guide you every step of the way.

Let’s create a plan that supports the life you’re building and the legacy you want to leave. Reach out today and start your journey toward true financial self-reliance.💪

What My Client 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.

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.

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.

I came in thinking life insurance was just about death benefits. What I learned turned everything upside down. The policy we set up works like my own private reserve—growing tax-free and accessible whenever I need it. It’s given me confidence and control over my financial future.

As a barber with my own shop, my biggest fear was something happening to me and my family being stuck with debts and expenses. The policy Honest Avenue Solutions built includes living benefits and long-term cash growth. Now I know my business and my loved ones are protected no matter what.

What impressed me most was how they designed the policy to support both my personal and business goals. If I get sick or disabled, my family is covered. Meanwhile, the cash value gives me a cushion I can use for emergencies or expansion. Truly a modern financial tool.”

I run a small cleaning business and don’t have a traditional employer retirement plan. They walked me through every option and tailored a policy around my income pattern. I already borrowed against my policy once to cover equipment upgrades—smooth, fast, and no credit check. Game changer.”

The policy they built for me has been the best financial move I’ve made as a business owner. Knowing my money is compounding safely while also protecting my kids if anything happens to me is priceless. This is a must-have for any entrepreneur.

As a self-employed contractor, I’d been pitched life insurance before but never understood how it could actually help my business. Honest Avenue Solutions broke everything down in a way that clicked instantly. The policy we structured now gives me tax-free growth I can use during slow seasons, plus security for my family. I finally feel stable.”