Sacred Life Insurance
Head Recruiter, Shane John
Phone (505) 480-0512
Licensed Life Insurance Agent/ Financial Services, Ariel Richardson
Phone (505) 480-7326
Our Mission
Our mission is to provide the best financial products with the kind of in-home, professional service that is second to none. Our operating credo is: "Your clients don't care how much you know until they know how much you care." We take a personal interest in each and every one of our clients. We believe that knowing our clients' wants and needs is the foundation to recommending the best financial strategies that will provide exactly what each client wants.
Why Buy Insurance
Final Expenses
Final Expense policies are to help pay off final expenses, debt and cover children's expenses. These products are affordable and usually do not require a medical exam.
Mortgage Protection
For most homeowners, the mortgage is the largest source of personal debt. Mortgage protection insurance protects a homeowner and their family, usually the length of the mortgage term.
Financial Legacy
Most families would like to leave their loved ones with a financial legacy to help assist with future expenses such as paying for college tuition or putting a down payment on a house.
Retirement Planning
A proper retirement income plan should include multiple sources of retirement income. At least one of those income sources should be non-taxable. This allows a retiree to coordinate various retirement income streams to minimize the overall taxation of that income.
About Us
Ariel Richardson
Greetings, I'm Ariel, a licensed Life and Health Insurance Agent with a deep commitment to serving my community and beyond. Mentored by industry leaders, I've honed my skills to provide the best guidance to clients and build organizations that prioritize their well-being. My mission revolves around helping families safeguard themselves from financial risks through comprehensive life and health insurance solutions.
I proudly lead Sacred Life Insurance, a company rooted in the belief that life is sacred, a principle ingrained in my Native American heritage as a member of the Walker River Paiute Tribe. In our culture, when something is deemed sacred, it deserves unwavering protection. Inspired by this philosophy, I named my business Sacred Life, emphasizing the profound importance of safeguarding the essence of life at all costs.
Having witnessed the financial struggles faced by my small community, where life insurance often took a back seat, I became impassioned to make a difference. Too often, I saw family and friends resorting to GoFund Me accounts to cope with funeral costs. Determined to alleviate this burden, I strive to empower families by creating tailored insurance plans. My goal is to ensure that in the face of unforeseen events, families not only have financial support for immediate expenses but also a comprehensive plan that secures their future well-being. Life is indeed sacred, and I am dedicated to helping families protect it with foresight and care.
In honoring the sacredness of life, Sacred Life Insurance stands as a testament to my commitment to ensuring that every family can weather life's storms with strength, security, and the knowledge that they are protected.
Shane John
About Us
Hi there, I am Shane, a proud member of the Washoe Tribe of Nevada and California, and my journey into the world of life insurance is deeply personal. The turning point came when my little brother survived a harrowing car accident, miraculously escaping a submerged, overturned car after 15 minutes underwater. Witnessing this near-tragedy sparked my interest in securing financial protection for my family.
The opportunity unfolded when I stayed with my brother's father-in-law, a successful figure who seemed to effortlessly balance a thriving career with quality family time. Intrigued, I inquired about his secret, and that's when he introduced me to the world of life insurance. His guidance led me to become the Recruiting Officer, where I now assist aspiring agents in obtaining their licenses and embarking on a journey to protect families. Inspired by personal experiences, I am committed to helping others build a secure future through the invaluable tool of life insurance.
Representing Over 30 Carriers
Join Our Team
Have fun, make money and make a difference!
Regardless of the activity, agents create fun and lasting memories for everyone. Our group adventures have been described as “going on vacation with a few hundred of our friends.” Exotic trips are a common occurrence each year, as well as attending concerts, sporting events, team building exercises and leadership retreats. Whether you want to learn fast or slow, or work part-time or full time there is opportunity for a great income. You definitely will be paid well for the level of effort you put in. Some agents prefer to concentrate on writing policies, while others desire to build an independent agency. The Alliance accommodates either type of agent. People like us feel strongly about giving back to the community. The Alliance truly believes in helping people and does so in various ways. Ask Shane for more information today.
Our Products
Life Insurance
Life insurance is a guarantee that a sum of money is paid either on the death of the insured person or after a set amount of time. It is an agreement between an insurer and the policy holder that a designated beneficiary will receive the benefit in exchange for premium.
Mortgage Protection
Mortgage protection is the most popular insurance that a new homeowner secures because a lot of times when a person buys a house, they go into debt. If the breadwinner in the family dies with debt that is not favorable financially for the rest of the family.
Most new homeowners think about buying mortgage protection because they don't want to leave their family burdened. They do want to leave their family a financial legacy in form of a life insurance payment that covers the amount of the mortgage in case of their death or disability. The coverage amounts involved never go down with mortgage protection and the insurance never goes up. It is a level premium payment and it's a level face amount.
Whole Life
Whole Life insurance coverage helps a family cover final expenses when a family member dies. The average funeral in America right now is $12,000. Final Expense coverage eases the financial burden placed on loved ones after a death of a family member. The coverage is permanent if you qualify and your rate never increases. Your benefits never decrease. A lot of families use final expense for Social Security income replacement in a cash accumulating account that can temporarily cover missed payments as well. A lot of times they can come in the different types like preferred, standard and basic with adjusted prices for each. There is no medical exam with whole life insurance, but the healthier you are the better your rate will be.
Children's Whole Life
Mutual of Omaha offers a great children’s Whole Life policy for ages 0 years old to 17. It goes from a very small amount up to $50,000. It is the most standard children's whole life plan you've ever seen in your life! Premiums never go up, the insurance amount stays the same and every single children's whole life policy generates cash value.
Tax-Free Retirement
These types of policies involve investing money for growth without owing future taxes on that growth, even when it is withdrawn.
Annuity
Annuities in the U.S. are primarily purchased for two reasons. First, if someone wants to move a lump sum and they don't need it until retirement, they move this lump sum into an account that can never lose money. Over time, they turn 65 or 70. At that point, they can elect to get a monthly check guaranteed every single month, or until they die. This is called lifetime income.
Index Universal Life
Index Universal Life deals with regular universal life and indexed universal life policies. They are both flexible premium cash accumulating permanent life insurance policies if they are funded correctly.
A lot of times there is a minimum payment that you have that you can pay where there is a maximum payment you can pay. It's almost like being a bank with your name on it inside of a policy so if you want to borrow money from your bank you can pay yourself back the interest if you want to.
Other Products
Dental
Dental coverage is also offered. One carrier, Mutual of Omaha, offers clients coverage in a simple, easy format. You can even offer quotes using a quoting app on your phone. The great feature is there are no health questions. You key in the client zip code and there are two dental plan options. The preferred plan is more expensive and lowers your deductibles while the protection plan has a higher deductible. They are both good plans and are often cheaper than options like Blue Cross/Blue Shield.
Accidental
Accident Only life insurance is the most inexpensive life insurance on the market. That is the case because the beneficiaries only get paid in the event that the proposed insured that dies must have passed specifically from an accident. If you have an accident only policy and die from cancer, it doesn't pay out because it's accident only life insurance, which makes it the most inexpensive way possible to get life insurance in the world.
Other Products
Disability
There are two ways to get disability insurance as a rider on a Term or Universal Life policy. You can do this if buy a term policy. You can also use a universal life policy to do this by adding a disability income rider. The most popular way to do it is through an “accident only” so the client would have to get disabled in an accident to collect, and most riders on those policies are six months, meaning you get the benefits for six months after you get hurt in an accident.