EquiLife Group LLC | Life Insurance & Retirement Planning

EquiLife Group LLC · Licensed Insurance Agency · NPN: 20101227

Protect What Matters.
Build What Lasts.

Personalized life insurance, retirement planning, and wealth-building solutions designed to secure your family's financial future — today and for generations to come.

Bunmi Josephine Oladele — Your Trusted Advisor
Licensed Broker & Senior Field Underwriter helping families and businesses build generational wealth with smart financial strategies. Your one-stop shop for insurance and retirement planning.
50+
States Licensed
A+
Rated Carriers
Free
Policy Reviews
State Licensed & Regulated
NPN: 20101227 Verified
No-Cost Consultations
20+ Top-Rated Carriers
Elkridge, Maryland HQ

Understand Every Solution in Minutes

Watch a quick summary of each service, then click to get your personalized quote.

Final Expense Insurance
Final Expense (FEX)
No exam · Up to $50K · Fixed rates
Life Insurance
Life Insurance
Term · Whole · Universal · Living Benefits
Mortgage Protection
Mortgage Protection
Death · Disability · Critical Illness
Tax-Free Retirement (IUL)
Tax-Free Retirement (IUL)
0% floor · Tax-free income · No RMDs
Secure Retirement (FIA)
Secure Retirement (FIA)
Principal protected · Lifetime income · Tax deferred
Infinite Banking
Infinite Banking
Be your own bank · Generational wealth
Kids College Savings
Kids College Savings
Tax-free · No FAFSA impact · Dual-purpose
Free Policy Review
Free Policy Review
Find gaps · Cut costs · Upgrade coverage

Comprehensive Financial Protection

Click any service to explore it in depth and get your personalized quote — no cost, no obligation.

Top-Rated Industry Carriers

We shop 20+ A-rated carriers so you always get the best rate and the strongest coverage for your needs.

Mutual of Omaha
Transamerica
Americo
American Amicable
SBLI
Foresters Financial
Royal Neighbors
United Home Life
Global Atlantic
North American
Nationwide
F&G Life
Athene
Protective Life
Pacific Life
AIG / American General
Banner Life
Principal Financial
Lincoln Financial
Securian Financial

Real Families. Real Goals.

Simple, honest guidance tailored to your life stage — not a sales pitch.

  • 01
    Young FamiliesBuilding protection for spouses, children, and new homes from the ground up.
  • 02
    Pre-Retirees (45–65)Maximizing retirement income while protecting assets from market volatility.
  • 03
    Seniors & RetireesFinal expense planning, guaranteed income, and lasting legacy protection.
  • 04
    Business OwnersKey person coverage, buy-sell agreements, and executive retirement strategies.
👪
Families
🏡
Homeowners
👴
Retirees
💼
Business Owners

Simple. Transparent. Yours.

Getting covered is straightforward — no jargon, no pressure, no surprises.

1
Free Consultation
We learn your goals and family situation with zero obligation.
2
Custom Plan Design
We shop 20+ carriers to build the exact plan for your budget.
3
Easy Application
Simple paperwork — many plans require no medical exam.
4
Ongoing Support
Annual reviews and open-door access to your advisor for life.

Serving Clients Across the U.S.

AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMaryland ★ HQMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington DCWest VirginiaWisconsinWyoming

EquiLife Group helped me understand my options for the first time. I finally feel confident my family is protected and my retirement is on track.

— Marcus T., Mortgage Protection & IUL Client

★★★★★

I didn’t know what a FIA was before EquiLife. Now my retirement savings are growing with zero risk of loss. An absolute game changer.

Denise R. — FIA Client
★★★★★

The policy review found I was overpaying by $80/month. Switched carriers and now we have better protection at a lower cost. So grateful.

James & Carla M. — Policy Review
★★★★★

Setting up college savings through an IUL for my daughter was the smartest financial move I’ve made. Bunmi made it so simple.

Tamika W. — College Savings

Get Your Free Resources & Book a Call

Request free educational resources or schedule your complimentary consultation directly below.

🎁 Free Resources
Get free guides on life insurance, retirement planning, and wealth building delivered to your inbox.
📅 Book a Free Consultation
Choose a time that works for you. No cost, no obligation — just an honest conversation about your options.

Your Future Starts with One Conversation.

Schedule your free, no-obligation consultation. We’ll review your coverage, find gaps, and design a plan that truly works for your life.

Office Address

HQ, 6865 Deerpath Road, Suite 101
Elkridge, Maryland 21075

Phone: (844) 687-6658
Email: [email protected]
NPN: 20101227

Final Expense Insurance

No health exam required. Fixed rates. Coverage $2,000–$50,000. Protects your loved ones from funeral, burial, medical, and debt expenses.

Call (844) 687-6658
$50K
Max Coverage
0
Exams Required
Fixed
Rate Forever

Why Final Expense Insurance?

No Medical Exam
Simplified or guaranteed issue — qualify with a few health questions or get approved regardless of health history.
💰
Fixed Premiums Forever
Your rate is locked in the day you apply and never increases, even as you age.
🏭
Builds Cash Value
Whole life policies accumulate cash value you can borrow against in a financial emergency.
🎯
Beneficiary Flexibility
Your beneficiary can use the payout for funeral costs, medical bills, debts, or any other purpose.
Fast Approval
Many plans approve in 24–48 hours. Same-day coverage available on select simplified-issue plans.
A-Rated Carriers
Mutual of Omaha, Transamerica, Americo, American Amicable, and more.

What is Final Expense Insurance?

A small whole life policy designed to cover end-of-life costs — funeral and burial services, medical bills, outstanding debts, and more. No exam, faster approval, and a fixed rate that never increases.

$7,848
Average U.S. funeral cost
$2K–$50K
Typical coverage range
24–48hrs
Typical approval time

What Does It Cover?

  • Funeral, burial services, or cremation
  • Casket, urn, cemetery plot & flowers
  • Outstanding medical bills and nursing home costs
  • Legal, probate, and accounting fees
  • Credit card debt and personal loans
  • Any other expense your beneficiary chooses
Get Your Personalized Quote
Fill out the form below and Bunmi will contact you within 24 hours with your final expense options.
📅 Or Book a Call Directly
Schedule your free consultation at a time that works for you.

Life Insurance

Term, whole, and universal life with living benefits. Protect your family’s income, pay off debts, and build generational wealth in one policy.

Call (844) 687-6658
Term
10–30 years
Perm
Lifetime coverage
Free
Needs analysis

Find the Right Policy for You

Term Life Insurance
Affordable coverage for 10, 20, or 30 years. Largest death benefit per dollar. Best for income replacement during working years.
🏛
Whole Life Insurance
Lifetime coverage with guaranteed cash value growth. Premium never changes. Best for estate planning and legacy goals.
📊
Universal Life (UL)
Flexible premiums and adjustable death benefit with interest-rate growth. Adapt as your life and finances change.
📈
Indexed Universal Life (IUL)
Cash value grows with market index & 0% floor. Tax-free retirement income and permanent protection in one policy.
💊
Living Benefits
Access your death benefit early for terminal, chronic, or critical illness at no additional cost on many plans.
👶
Children’s Whole Life
Lock in the lowest rates for your child today. Cash value they can use for college, a home, or family protection later.
Get Your Life Insurance Quote
Submit your information and we’ll shop 20+ carriers to find your best rate and coverage.
📅 Book Your Free Consultation

Mortgage Protection

Keep your family in their home no matter what happens. Coverage triggers on death, disability, or critical illness. Return-of-premium options available.

Call (844) 687-6658
3
Trigger events
100%
Mortgage covered
ROP
Return of premium

Three Ways We Protect Your Home

😻
Death Benefit
Policy pays your outstanding mortgage balance so your family stays in their home debt-free.
Disability Rider
Become disabled? The policy covers mortgage payments while you focus on recovery.
🏥
Critical Illness
Cancer, heart attack, stroke? Access living benefits to cover payments during treatment.
💵
Return of Premium
Outlive the term? Some plans return all premiums paid — money back if never used.
📈
Decreasing Coverage
Coverage decreases as your balance decreases, keeping premiums affordable throughout.
🏠
Any Mortgage Type
Fixed, adjustable, FHA, VA, conventional, or refinanced — we protect any home loan.
Protect Your Home Today
Submit your information and we’ll find the most affordable mortgage protection plan for your family.
📅 Book Your Free Consultation

Tax-Free Retirement

Indexed Universal Life grows your money tax-free with a 0% floor, delivers tax-free retirement income, and requires no RMDs or contribution limits.

Call (844) 687-6658
0%
Floor — no loss
Tax
Free income
No
RMDs ever

Why Smart Savers Choose IUL

📈
Index-Linked Growth
Cash value grows based on S&P 500 or other index performance — capturing upside without direct market exposure.
🛡
0% Floor — Zero Loss
When the market drops, your cash value doesn’t. Your floor is 0% — you never lose what you’ve accumulated.
💸
Tax-Free Income
Access cash value as tax-free policy loans in retirement. No income tax — ever. Unlike a 401(k) or IRA.
No RMDs
No required minimum distributions. Your money grows on your timeline, not the IRS’s schedule.
🏥
Living Benefits
Access your death benefit early for terminal, chronic, or critical illness at no additional cost.
🎁
Tax-Free Death Benefit
Your family receives the full death benefit completely income-tax-free — lasting generational wealth.

IUL vs. 401(k) vs. Roth IRA

IUL
No limits · No RMDs · Tax-free loans
401(k)
$23K limit · RMDs at 73 · Taxed on withdrawal
Roth IRA
$7K limit · Income caps · Tax-free

An IUL is a powerful supplement that fills the gaps in your retirement plan. Many high earners use IULs to create a tax-free income bucket alongside their 401(k), reducing their overall tax burden in retirement.

Design Your Tax-Free Retirement
Submit your information and we’ll run a custom IUL illustration at no cost, no obligation.
📅 Book Your Free IUL Consultation

Secure Retirement

Fixed Indexed Annuities grow your savings linked to market indexes with zero downside risk. Guaranteed lifetime income you simply cannot outlive.

Call (844) 687-6658
0%
Market loss risk
Lifetime
Income guarantee
Tax
Deferred growth

The Best of Both Worlds

🔒
Principal Protection
Your principal is 100% protected. When the market drops, you lose nothing — and prior gains are permanently locked in.
📊
Market-Linked Growth
Earn interest based on S&P 500 or other index performance without being directly invested in the market.
💰
Guaranteed Lifetime Income
An income rider guarantees payments for life — even if your account balance reaches zero.
🌿
Tax-Deferred Growth
Your money grows without annual taxation. Pay taxes only on distributions — compounding faster over time.
🎁
Legacy Benefit
Pass remaining account value to beneficiaries, bypassing the lengthy probate process in most cases.
📋
Rollover Friendly
Fund with a 401(k), IRA, or 403(b) rollover — keeping tax-deferred status with no penalties.
Get Your Secure Retirement Plan
We’ll run a custom FIA comparison from our top annuity carriers — free, no obligation.
📅 Book Your Free FIA Consultation

Infinite Banking

Use a specially designed whole life policy as your own bank. Build cash value, borrow at low rates, recapture interest, and create a self-sustaining generational wealth engine.

Call (844) 687-6658
Loan cycles
Low
Interest rates
100%
Your control

The Infinite Banking Cycle

1️⃣
Fund Your Policy
Overfund a specially designed dividend-paying whole life policy within IRS limits. Cash value builds from day one.
2️⃣
Borrow Against Cash Value
Take policy loans at low interest rates — no credit check, no approval process, no bank involvement.
3️⃣
Cash Value Keeps Growing
While you use the loan, your full cash value continues earning dividends — as if you never borrowed a dollar.
4️⃣
Repay & Recapture
Repay loans on your own schedule. Interest goes back to your policy — not to a bank.
🏛
Guaranteed Growth
Dividend-paying whole life has grown consistently for 100+ years — never dependent on stock market performance.
👪
Generational Wealth
Pass the policy and cash value to your heirs — creating a family banking system across generations.
Start Your Infinite Banking Strategy
Book a free strategy call and get a custom policy design at no cost.
📅 Book Your Free Strategy Call

Kids College Savings

Build your child’s future with a life-insurance-based savings strategy. Tax-free growth, market protection, no FAFSA impact, and a built-in death benefit.

Call (844) 687-6658
Tax
Free growth
0%
Market loss risk
Dual
Purpose policy

Smarter Than a 529 Plan

🎓
College Funding
Cash value grows tax-free and can be accessed as tax-free loans for tuition, housing, books, or any college expense.
🛡
Death Benefit Included
Unlike a 529, this policy provides a death benefit if you pass away before your child starts college.
📋
No FAFSA Impact
Life insurance cash value is typically not counted as an asset on FAFSA, preserving financial aid eligibility.
🔄
Flexible Use of Funds
If your child earns a scholarship or skips college, the cash value funds a business, home, or retirement instead.
📈
Index-Linked Growth
Capture market gains in good years with a 0% floor protecting against downturns.
🔒
Lock in Low Rates Early
The younger your child, the lower the premium. Start early for the most affordable plan.
Start Your Child’s College Fund
Fill out the form and we’ll design a personalized college savings plan for your family.
📅 Book Your Free Consultation

Free Policy Review

Is your current coverage still working for you? Our complimentary audit finds gaps, overcharges, and upgrade opportunities — at absolutely zero cost.

Call (844) 687-6658
Free
No cost ever
$80+
Avg monthly savings
24hr
Turnaround

Your Comprehensive Policy Check

🔍
Coverage Gaps
Identify where your family is exposed — underinsured benefits, missing disability or critical illness riders.
💸
Overpayment Analysis
Many clients pay too much. We check if a better-rated carrier can give you more coverage for less money.
📅
Policy Relevance Check
Is your 10-year-old policy still serving your current life stage? We verify it still fits your family’s needs.
🏆
Carrier Rating Review
We verify your carrier’s current financial strength rating to ensure they’ll be there when your family needs it.
👥
Beneficiary Audit
Life changes — divorce, new children, deaths. We make sure your beneficiaries reflect your current wishes.
🔄
Upgrade Opportunities
Adding living benefits, retirement riders, or switching policy types could dramatically improve your situation.
Request Your Free Policy Review
No cost. No obligation. Just an honest look at whether your coverage is truly working for you.
📅 Schedule Your Free Review Call

Join the EquiLife Team

Build a meaningful career helping families protect their financial futures — with unlimited income, flexible hours, full training, and a proven system for success.

💰
Unlimited Income
100% commission with no ceiling. Top agents earn six figures. Your effort equals your paycheck — directly.
🕐
Flexible Schedule
Full-time or part-time. Set your own hours and build your business around your life, not the reverse.
📚
Full Training & Support
Licensing guidance, product training, lead systems, and mentorship. In business for yourself — not by yourself.
🚀
Fast Licensing Path
We guide you through your state license. Many agents earn their first commission within 30 days of starting.
🌎
Work From Anywhere
Serve clients in multiple states from home, our Elkridge MD office, or wherever you choose to work.
📈
Build Your Own Agency
Recruit and mentor your own agents. Earn overrides and passive income as your team grows.
Apply & Book Your Agent Interview
Submit your information to get started, then book a call with Bunmi to discuss your opportunity.
Step 1 — Submit Your Info
Step 2 — Book Your Interview