Lineage Guardians Private Wealth and Retirement Planning Strategies is committed to helping individuals, families, and business owners protect their income, prepare for life’s unexpected events, and create long-term financial security through education-based insurance and retirement planning strategies.
Our mission is to educate and guide families in making informed financial decisions that support protection, retirement readiness, tax-advantaged planning, and generational wealth creation.
We focus on strategies that may include life insurance, indexed universal life insurance, annuities, final expense coverage, living benefits, retirement income planning, and legacy protection.
Lineage Guardians provides financial education and insurance-based solutions, including but not limited to:
Life insurance education and planning
Indexed Universal Life insurance strategies
Living benefits protection
Final expense planning
Retirement income strategies
Annuity education
Policy reviews
Family protection planning
Business owner protection strategies
Legacy and generational wealth planning
All recommendations are based on the client’s personal goals, health, budget, age, financial situation, and product eligibility.
Submitting an application does not guarantee approval for coverage. Insurance approval depends on the underwriting guidelines of the insurance carrier, which may include health history, age, financial information, lifestyle, medical records, and other factors.
Premiums, benefits, riders, and coverage amounts are determined by the carrier and may change based on underwriting results.
Lineage Guardians believes clients should understand the options available before making decisions. We strive to explain products in a clear and simple way, including potential benefits, costs, risks, limitations, surrender charges, loan provisions, and long-term responsibilities.
Clients are encouraged to ask questions before signing any application or accepting a policy.
Lineage Guardians works with multiple insurance carriers and does not guarantee that one carrier is best for every client. Product recommendations are made based on suitability, client goals, product availability, underwriting, and carrier guidelines.
Carriers may include, but are not limited to, Nationwide, F&G, National Life Group, Corebridge, Mutual of Omaha, Ethos, and other available partners.
Clients are responsible for providing accurate and complete information during the consultation and application process. This includes health history, financial information, income, beneficiaries, existing coverage, and any other information requested by the insurance carrier.
Incorrect or incomplete information may delay the process, affect approval, or impact future claims.
Lineage Guardians may offer policy reviews to help clients understand whether their current coverage aligns with their goals. A policy review does not guarantee replacement, improvement, or approval for new coverage.
Clients should not cancel any existing policy until a new policy is approved, issued, accepted, and placed in force.
Lineage Guardians provides general education regarding insurance and retirement planning strategies. We do not provide legal, tax, or investment advice unless properly licensed to do so.
Clients should consult a qualified attorney, CPA, tax professional, or financial advisor for advice specific to their personal situation.
Appointments are scheduled through the official Lineage Guardians calendar or approved communication channels. Clients are expected to attend appointments on time or reschedule in advance.
If a client misses an appointment, they may book a new available time through the calendar link.
Lineage Guardians may communicate with clients through phone, email, text message, video meeting, social media messenger, or other approved platforms.
By submitting contact information, clients give permission to be contacted regarding insurance education, appointments, policy reviews, applications, or follow-up services.
Clients may request to stop receiving communication at any time.
Lineage Guardians respects client privacy. Personal information shared during consultations, applications, or policy reviews is used only for business purposes related to insurance, financial education, and client service.
We do not sell client personal information.
Client information may be shared with licensed agents, insurance carriers, underwriting departments, or approved business partners only when necessary to provide services or process applications.
Insurance premiums are paid directly to the insurance carrier, not to Lineage Guardians, unless otherwise clearly stated and authorized by the carrier.
Clients should never send cash payments for insurance premiums. Payment instructions should come from the insurance carrier or approved secure payment platform.
Insurance policy cancellation, free-look periods, premium refunds, and surrender values are controlled by the insurance carrier and the terms of the policy contract.
Clients should carefully review their policy documents after delivery. If a client wishes to cancel during the free-look period, they must contact the carrier or their licensed agent immediately.
Lineage Guardians aims to recommend products that are suitable for the client’s needs, budget, and long-term goals. Some products require long-term commitment and may not be appropriate for every individual.
Clients should only move forward with a strategy they understand and can afford.
Lineage Guardians is committed to following applicable insurance regulations, carrier guidelines, licensing requirements, and ethical business practices.
All marketing, illustrations, and product discussions should be presented honestly and without misleading guarantees.
Life insurance and annuity products may have guaranteed and non-guaranteed elements. Index interest, cash value growth, loan income, and projected retirement income are not guaranteed unless specifically stated in the policy contract.
Illustrations are hypothetical and should not be viewed as a promise of future performance.
Some questions may require personalized review by a licensed professional. If a client has questions about policy design, underwriting, claims, beneficiary changes, tax matters, legal matters, or complex financial planning, the matter should be directed to Monique Dadje or an appropriate licensed professional.
Lineage Guardians — Private Wealth and Retirement Planning Strategies
Monique Dadje
Life Insurance Agent | Tax-Free Retirement Planning Strategist
CEO, Lineage Guardians
Website: lineageguardians.com
Appointment Calendar:
https://apps.iulinsiders.com/widget/bookings/tax-free-tools/twt-f0354179-6e93-43ab-9510-6c5f9c304935-31436186-3f5a-4665-910f-a290719f7721