At MMT Financial and Insurance, our mission is to provide comprehensive insurance solutions tailored to meet your needs. We are dedicated to ensuring financial security for our clients through personalized service and expert guidance.
Our Start
Marc: The Financial Strategist
Marylene: The Underwriting Expert
Unlock the Power of Indexed Universal Life (IUL)!
Stop choosing between safety and growth. Get the best of both worlds with a financial vehicle designed for the modern investor.
The IUL Advantage: ✅ Legacy Secured: Guaranteed, tax-free protection for your loved ones. 📈 Market Upside: Participate in market gains without the risk of direct investment. 🛡️ Zero-Loss Floor: Your principal is protected from market downturns—guaranteed. 💸 Liquid Capital: Access your money tax-free for retirement, business needs, or emergencies.
Ready to upgrade your financial strategy?
Contact us today to secure your financial future!
Learn more about our journey and what inspired us to create MMT Financial and Insurance. Check out our story today!
Preparing for retirement doesn’t mean you have to expose your life savings to unnecessary risk.
A Fixed Indexed Annuity (FIA) offers a balanced approach to retirement planning.
Who Issues FIAs?
Life Insurance Companies:.
These are the sole issuers. Major players include F&G, North American Company for Life and Health Insurance, and other large carriers.
Are They Only From Insurance Companies?
Yes, exclusively.
An FIA is a contract with an insurance carrier, not a bank deposit or brokerage product. The insurance company guarantees the contract's terms and benefits, making their financial health a key factor for investors.
How They Work (Briefly):
You pay premiums (lump sum or installments) to the insurer.
The insurer credits interest based on a market index (like the S&P 500) but with caps or participation rates, protecting your principal from losses.
The issuer backs these guarantees with its reserves.
In essence, FIAs are a specialized insurance product designed for retirement, relying on the stability and claims-paying ability of the issuing insurance company for their value and guarantees.
Why consider an FIA?
Principal Protection: Your premium is protected from market downturns. Even if the index performs negatively, your credited interest will never be less than zero.
Upside Potential: Earn interest credits based on the performance of an external market index (like the S&P 500), allowing you to benefit from market growth up to a cap or participation rate.
Tax-Deferred Growth: Your money grows faster because you don't pay taxes on the interest earnings until you withdraw them.
Guaranteed Income: Convert your savings into a stream of guaranteed income that you cannot outlive—create your own personal pension.
Retire with confidence knowing your nest egg is secure.
CONTACT US TODAY TO LEARN MORE AND SEE HOW WE CAN HELP YOU TO SECURE YOUR FUTURE TODAY! DON'T DELAY.
FLY ABOVE THE CLOUDS WITH FREEDOM EQUITY GROUP (FEG)!
Marc Merritt, RVP
Marylene Teopengco-Merritt, RVP
Freedom Equity Group Details
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BOOK A ZOOM CALL WITH US TO SEE THE OPPORTUNITY!
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FEG Insurance Carrier Details
We love our customers, so feel free to visit. Book an appointment in person or through Zoom!
Valley Stream NY
Marc: (646) 645-2453 Email: mhmerritt@gmail.com or Marylene: (631) 579-1904 Email: mteopengco@gmail.com
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