Welcome to WealthLifeStrategies.com
Helping you protect your future through personalized life insurance and retirement strategies.
I'm Joelle Larousse, an independent life insurance broker dedicated to helping individuals and families build wealth, protect their loved ones, and plan for retirement all through permanent life insurance solutions like Indexed Universal Life (IUL), Whole Life, and Fixed Indexed Annuities.
Whether you're planning for retirement, buying real estate, or preparing for final expenses, I'm here to help you navigate your options with clarity and confidence.
Insurance Carriers
States Licensed
Client Satisfaction
Our Services
Customized insurance solutions to protect your family and build your wealth
Indexed Universal Life (IUL)
A flexible permanent life insurance policy that offers market-linked growth with protection from loss. IULs provide living benefits, tax-advantaged growth, and a death benefit to protect your family.
Whole Life Insurance
Stable, reliable, and guaranteed. Whole life policies accumulate cash value over time and provide lifelong protection with locked-in premiums.
Fixed Indexed Annuities
Designed for retirement income, these annuities offer guaranteed growth without market losses and can provide a steady stream of income you can't outlive.
These Solutions Are Perfect For:
- Retirement planning
- Wealth building
- Estate protection
- Final expense coverage
- Future real estate purchases
Why Permanent Life Insurance Matters
Real data showing the financial benefits of permanent life insurance
Rising Final Expenses
Funeral costs have more than doubled since 2010, rising from $7,755 to over $16,000 projected by 2030. Protect your family from this financial burden.
Your Money Can Grow Better
See how $10,000 grows over 10 years: Bank savings reaches $11,314 while an IUL policy grows to $16,932 - that's $5,618 more for your family!
Retirement Protection
Fixed indexed annuities provide steady growth without market losses, protecting your retirement from volatility that affects traditional 401k plans.
Frequently Asked Questions
Get answers to common questions about life insurance and annuities
What's the difference between term and permanent life insurance?
Term insurance covers you for a set period (e.g., 10 or 20 years) and doesn't build value. Permanent policies like IULs and Whole Life last your lifetime and build cash value you can use while you're alive.
Is life insurance only for death protection?
No. Permanent life insurance policies also offer living benefits, like tax-deferred growth and the ability to borrow against the cash value for retirement, emergencies, or investment opportunities.
Do I have to take a medical exam?
Not always. Some policies offer simplified or no-medical-exam underwriting, depending on your age, coverage amount, and health history.
Can I verify your licensing?
Yes — you can verify my active license through the National Insurance Producer Registry (NIPR) using my NPN number: 21309222. Just visit nipr.com and use the lookup tool for quick verification.
Let's Connect
Have questions or ready to get started? Use the form below to schedule a free consultation.
Credentials & Compliance
I take compliance and transparency seriously
I'm a fully licensed independent life insurance broker, authorized to offer insurance and annuity products in all states except California, Florida and New York.
National Producer Number (NPN): 21309222
You can verify my license at any time by visiting https://nipr.com and entering my NPN in the Producer Lookup tool.
Protecting What Matters Most
Life insurance is about more than just financial protection—it's about securing the future of those you love
Client Success Stories
See how our insurance solutions have helped families secure their financial future
"Joelle helped us understand how an IUL could protect our family while also building wealth for our retirement. The living benefits have given us peace of mind we never had with our old term policy."
Robert & Susan T.
IUL Policyholders since December 2024
"As a business owner, I needed something more than just life insurance. Joelle showed me how a whole life policy could protect my family and serve as a valuable business asset. Her knowledge was impressive!"
Michelle K.
Whole Life Policyholder since November 2024
"I was worried about market volatility affecting my retirement. Joelle recommended a fixed indexed annuity that gives me growth potential without the risk. Now I have guaranteed income I can't outlive."
James W.
Annuity Client since January 2025