Emerson Financial Group is an independent insurance agency. Insurance products are offered through individually licensed agents and are issued by the insurance carrier, not by Emerson Financial Group. Agents are licensed only in certain states (see each agent's page for their licensed states); products and carriers are not available in every state. Julia Dodge, NPN 22238904. David Dodge, NPN 22420996.
All coverage is subject to underwriting and approval by the issuing carrier. Premiums, benefits, riders, and availability vary by carrier, product, state, age, health, and other factors. Information on this site is general and educational. It is not an offer to sell insurance, a guarantee of coverage or price, or financial, tax, or legal advice. Indexed universal life policies are not investments in the stock market; cash value depends on policy design, funding, caps, participation rates, fees, and charges, and is not guaranteed beyond any contractual minimums. Review the policy and its illustration with your agent before you buy. Annuities are insurance contracts issued by the carrier; they are not bank deposits, are not FDIC insured, and are offered only by agents who hold the required license and carrier appointment in your state. Withdrawals may be subject to surrender charges and taxes.
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