About us

Building leaders, and legacies, since 2011.

is a final expense life insurance agency on a simple mission: help driven people grow their income, their character, and their legacy, while protecting the families we serve.

What We Do

Our story

Started in 2011, has experienced continuous, rapid, record-breaking growth ever since.

Our primary focus is on seniors who need coverage, so they are never leaving the burden of final expenses on the people they love. Our agents help families secure a cash benefit life insurance policy that brings peace of mind during life's hardest moments.

Our products are issued through the number one final expense company, Lincoln Heritage Life Insurance Company. Established in 1963, Lincoln Heritage set the bar for accurate, friendly service and fast claim payment. You can read Lincoln Heritage reviews or read an independent review of Lincoln Heritage Funeral Advantages.

Our Carrier

Backed by Lincoln Heritage.

Lincoln Heritage operates in 49 states and holds an A+ rating with the Better Business Bureau and an A- (Excellent) rating with AM Best. They value their agents as much as their clients, with same-day advances plus health and dental benefits for agents who meet production requirements.

"Our Business Is You."

Est. 1963

49 States

A+ BBB

A− AM Best

Read Lincoln Heritage Reviews

Independent Funeral Advantage Review

What We Stand For

A foundation worth building on.

Integrity

We do right by our clients and by each other. Trust is the foundation everything else is built on.

Entrepreneurship

You own your business and your future. We give you the tools, training, and room to run.

Legacy

We build lives, not just careers. The goal is something lasting you can be proud to pass on.

Testimonials

In their own words.

Hear from the agents who are building their careers and their lives with .

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"I'm so proud to be a part of this group. The leadership is super awesome. I can't believe how much I have grown personally and my growing income. It's like family with a bond that can never be broken. I'm excited about the growth and where we are going. If you don't do anything join this movement for something already great and that will be greater. I'm all in!!!"

Tony Williams

Alabama

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“My testimony is and always will be contributed to Shannon and Ashley- without them i would have never had the opportunity to join S&A or ASM or Lincoln Heritage To join with us it is impossible that the fire and ambers of personal development (created by none other than Coach Sean Simmons) will not consume you and engulf you so much that you will begin to do it for yourself. Once you understand yourself and the power you have within you are unstoppable not just to others but most importantly to yourself At the beginning and ending of each day- it will always be You vs You You are your biggest competition!”

Ericka Jackson

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“What sets S&A apart, in my experience, is the exceptional support I've received, particularly from my manager, whom I fondly refer to as uncle. The team culture, as I see it, is deeply rooted in a family-oriented atmosphere, where the sense of belonging extends beyond professional aspects. Every day, I witness continuous improvement within myself, attributing it to the diverse learning opportunities presented within the team.

What fills me with pride is not just the career milestones, but the monumental changes in my life, relationships, and overall philosophy. Being part of S&A has, without a doubt, shaped my journey in ways I hadn't envisioned, making each step forward an achievement I am genuinely proud of.”

Daniel Gaddes

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“Oh My! My career has grown enormously in my eyes…I’ve made leaps and bounds. My business has tripled, meaning actually keeping business on the books and increase with new business. Through S&A Group I’ve earned both my $50k and $100k ring along with a plague #3 Producing Agent in September 2022. This simply means I’ve put in the work in order to see the fruit of my labor. Key factors that helped in this are contributed to personal development, listening to your manager and plugging in to the training calls/ Zooms. It all works together continuously and consistently to make it happen. Success!

4 things of many that set S&A apart:
1.A regional director that is approachable
2. Leadership that is driven to push others up
3. Personal development
4. Direct contact with your manager”

Delmelodia Tipton

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“The transparency, the management will always communicate, demonstrate, and even help you execute everything you need to know and or do to grow and get to the next level.

Who wouldn’t be proud to apart of the number 1 team in ASM?!? I’m proud to be apart of an organization who not only works hard but plays hard too. We learn, grow and make money but to know my leaders care about me as not only an agent but as a person definitely makes me proud to say “My name is Ms. Virginia Hutchins representing the awesome S&A Group, We Ready!!”

Virginia Hutchins

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“I was looking for an environment where I could grow. Yes definitely I’m developing professionally and personally due to this opportunity. Hands down the training and support that you receive. I would describe the culture as supportive and welcoming. S&A has supported my professional development by providing me access to Sign Of Sales. I’m learning more about sales and myself. Absolutely I’m becoming more confident as I learn more to take charge of my work. This opportunity has placed me in the company of six figure earners which is inspiring me to become the same. Signs of Signs would be it for me. I came from a company where I never received this. I’m proud to be apart of a team that no only push you to become better but gives you the tools to get there.”

Tenesha Felton

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“My name is Stephen Kennedy and I’m one of the newer members of the S&A Group. Working with ASM and the S&A Group has allowed me to succeed and work with the number one final expense company in the nation, Lincoln Heritage. When I started working with this group, I didn’t realize that I would become a part of a family, one I didn’t realize I was missing in my life.

My journey with S&A started in a classroom with my wonderful teacher Ms. Angie Fisher, with her guidance and support I was able to pass my state exam and move on to the S&A training program. This platform is one of the best programs that I’ve experienced in my long work career. They spend time with each individual to ensure they’re knowledgeable about the product and comfortable presenting it to their future client base.

I’ve won numerous top daily sales contests, and I’ve been Star-approved, plus made the top 20 producers list in Dec shortly after ramping up. S&A Group recognizes those who succeed with awards, trips, prizes, and rings.

I look forward to a long and successful future with the number one team in the Lincoln Heritage Family. I'd like to also recognize all of my coaches, teammates, my wonderful manager Ms. Ericka Jackson, our awesome leaders Ms. Ashley Simmons and Mr. Shanon Simmons, and of course our “Coach”, Mr. Sean Simmons for their dedication to my success so far with S&A.”

Stephen Tankesley-Kennedy Jr.

Louisiana

READY TO GROW?

Commitment required. The rest is up to you.

We are fully committed to your success. This is not a get-rich-quick scheme. It takes consistency and heart. If you are ready to meet us there, we would love to talk.

is a final expense life insurance agency in Michigan, building leaders in and out of the workplace since 2011. We help driven people earn real income and build a lasting legacy, backed by Lincoln Heritage.