OUR COMMITMENT
Protection With Purpose.
Confidence for Tomorrow.
Founded by Aliyyah Simmons, Simmons Life & Wealth is grounded in her dedication to understanding individual needs and providing thoughtful insurance and retirement options.
Guidance Based on Experience
Aliyyah’s focus is on listening carefully to your priorities and offering clear, straightforward advice to help you consider your choices.
Our work is centered on transparency and personalized support as you navigate these important decisions.
FOUNDER STORY
Meet Aliyyah Simmons
A passion for people. A purpose in protection.
Beyond my professional background, my journey as a breast cancer survivor has shaped the way I view life, family, and the importance of being prepared for the unexpected. I know firsthand that life can change in an instant, and having the right protection in place can make a meaningful difference during some of life's most difficult moments.
That experience has given me an even deeper appreciation for the conversations I have with individuals and families. I believe in treating people with compassion, meeting them where they are, and helping them feel informed and comfortable as they explore their options.
At the end of the day, I'm not just passionate about what I do. I'm passionate about the people behind every decision.
- People-first guidance
- Clarity through education
- Integrity in every recommendation
- Protection that supports long-term goals
THE PEOPLE BEHIND THE BRAND
Meet the Team
Our team brings together professional experience, industry knowledge, and a shared commitment to helping individuals and families make informed financial decisions.
Aliyyah Simmons
Founder & Licensed Insurance Professional
With more than 10 years of experience in Human Resources, Aliyyah brings a people-first approach to financial education and protection. Her mission is to help individuals and families better understand their options and make informed decisions about their financial futures.
Kim Fowler
Executive Assistant & Client Relations
Kim brings more than 40 years of experience in the insurance and customer service industries. She supports client communications, appointment coordination, and daily operations. She is preparing to renew her life insurance license, with plans to help lead the company's Final Expense division.
Jae Simmons
Web & AI Solutions Engineer
Currently pursuing his education in Information Technology, Jae supports website development, digital infrastructure, AI-powered tools, and technology integrations that help Simmons Life & Wealth operate efficiently and grow.
OUR COMMITMENT
Your Goals. Your Priorities. Your Financial Journey.
At Simmons Life & Wealth, we believe protecting your future starts with understanding your options.
A More Personal Approach to Protection
Every individual and family has unique needs. We take the time to understand your priorities and help you explore life insurance and retirement solutions that align with your goals.
Our approach is built on education, personalized guidance, and helping you make informed decisions with confidence.
YOUR QUESTIONS, ANSWERED
Frequently Asked Questions
Understanding your options is the first step toward making confident financial decisions.
What is the difference between term, whole, universal, and final expense insurance?
Term insurance offers budget-friendly protection for a specified period (typically 10 to 30 years). Whole life provides permanent, guaranteed coverage alongside steady cash value accumulation. Universal life adds adjustable premiums and death benefits to fit evolving financial seasons. Final expense insurance is streamlined permanent coverage tailored specifically to offset end-of-life expenses and burial costs without financial strain on your heirs.
What is Indexed Universal Life (IUL)?
Indexed Universal Life (IUL) is a form of permanent life insurance where cash value growth is linked to an equity index like the S&P 500. It includes downside protection through an interest rate floor (typically 0%), ensuring your principal never drops during market declines while still capturing upward growth potential tax-advantaged.
How much life insurance coverage do I actually need?
A dependable baseline is 10 to 12 times your annual income, combined with outstanding liabilities such as mortgage balances, future education costs, and planned lifestyle protection. We conduct a personalized asset and liability analysis to pinpoint the exact coverage sum that protects your loved ones seamlessly.
Can life insurance be utilized as part of my retirement strategy?
Yes. Cash-accumulating permanent policies like Whole Life and IUL can serve as supplemental retirement reservoirs. You can access accumulated cash value through tax-free policy loans and withdrawals, creating a dependable tax-advantaged income stream during market downturns without triggering capital gains taxes.
Do I need to take a medical exam to qualify?
Not necessarily. Modern underwriting offers numerous accelerated and simplified-issue policies with zero medical exams, using digital health records and lifestyle assessments for quick decisions. However, clients seeking high-limit coverage may qualify for the most competitive premium tiers via standard paramedical testing.
How do I get started with Simmons Life & Wealth?
Getting started is simple and pressure-free. Schedule an initial consultation with our advisory team to review your financial milestones, current liabilities, and wealth preservation objectives. We evaluate top-rated carriers to present customized strategies tailored to your timeline and budget.
Protecting what matters. Preparing for what comes next. At Simmons Life & Wealth, we're committed to helping individuals and families explore life insurance and retirement solutions with confidence.
Let's Connect
Ready to explore your options? We'd love to start a conversation.
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