Is Insure With Cheryl a Black woman-owned business?

Yes. Insure With Cheryl is a Black woman-owned insurance and financial strategy agency based in Georgia, led by Dr. Cheryl D. George — an authorized Infinite Banking Concept (IBC) practitioner, licensed insurance professional, and wealth strategist licensed in 26 states.

What is an authorized IBC practitioner?

An authorized Infinite Banking Concept (IBC) practitioner is a financial professional certified to teach and implement the Infinite Banking Concept — a strategy that uses dividend-paying whole life insurance to create a personal banking system. Dr. Cheryl D. George is one of a limited number of authorized IBC practitioners in the United States, with over 6 years of IBC practice and 10+ years in insurance.

What states does Insure With Cheryl serve?

Insure With Cheryl is licensed to serve clients across 26 US states, with a primary base in Georgia. Services include cash flow strategy, financial exposure analysis, life insurance, and Infinite Banking Concept implementation.

Who is Insure With Cheryl best for?

Insure With Cheryl specializes in serving self-employed women, families, and high earners who want to take control of their cash flow, close gaps in their financial protection, and build long-term wealth using proven strategies like the Infinite Banking Concept.

Financial Exposure Report™ | Insure With Cheryl

Step 1 of 14 ⏱ About 7–10 minutes

Financial Exposure Report™ · $129 Value

Find Out Exactly Where
Your Money Is at Risk

Most people don't know their financial gaps until it's too late. In the next 7–10 minutes, you'll get a personalized Financial Control Score™, a visual Money Control Map™, and a clear 12–18 month roadmap — so you know exactly what to fix and in what order.

7–10

Minutes

Sections

100

Point Score

🔒 Your information is private, encrypted, and never sold.

👤

Personal Profile

Section 1 of 14

First Name

Last Name

Email Address

Mobile Phone

Date of Birth

State of Residence

Marital Status

Single Married Divorced Widowed

Do you have children?

Yes No

Children's Ages (e.g., 5, 8, 14, 22 — include adult children)

Do you have adult children (age 18+)?

Yes No

Are you financially supporting any adult children? ?Supporting adult children (tuition, rent, living expenses) is a real but often uncounted financial obligation. It reduces your available cash flow and savings capacity in ways that need to be reflected in your plan.

Yes No

Estimated Monthly Amount Supporting Adult Children

Are you saving for college for any of your children?

Yes No Planning to

Current College Savings Balance (529, ESA, or other)

Monthly Contribution to College Savings

Do you have a child with special needs? ?Children with special needs may require lifelong financial support. A Special Needs Trust protects their eligibility for government benefits (SSI, Medicaid) while ensuring they are cared for financially.

Yes No

Do you have a Special Needs Trust in place? ?A Special Needs Trust (SNT) allows you to leave money to a disabled child without disqualifying them from Medicaid or SSI. Without one, an inheritance can actually disqualify them from critical benefits.

Yes No In Progress

⚠️ Critical ExposureWithout a Special Needs Trust, any inheritance or life insurance payout to your child could disqualify them from government benefit programs that provide essential care and support.

Are you currently paying child support? ?Court-ordered child support is a legal obligation with serious consequences for non-payment including wage garnishment, license suspension, and contempt of court.

Yes No

Monthly Child Support Amount

How many years remaining on the order?

📊 Total Remaining Child Support Obligation $0

Are you currently paying alimony / spousal support? ?Alimony is a long-term fixed obligation that directly reduces your disposable income and can last years or even indefinitely.

Yes No

Monthly Alimony Amount

How many years remaining?

📊 Total Remaining Alimony Obligation $0

Are you currently receiving child support or alimony?

Yes No

💰

Income

Section 2 of 14

Monthly Income (Primary)

Additional Monthly Income (optional)

📊 Annual Income (calculated) $0

🏠

Monthly Expenses

Section 3 of 14

⚠️ Do not enter your credit card numbers here. This section collects monthly spending amounts only — not card numbers, account numbers, or passwords.

Housing (rent/mortgage)

Utilities

Food & Groceries

Transportation

Insurance (current)

Subscriptions

Other Expenses

📊 Total Monthly Expenses$0

📊 Annual Expenses$0

🏦

Savings & Liquidity

Section 4 of 14

Total Savings / Cash Available

📊 Liquidity Ratio (months of expenses covered) 0 months

Is your savings in a high-yield account?

Yes No Not Sure

💡 Why This MattersA high-yield savings account earns 4–5% interest vs. 0.01% at traditional banks. Over time, this can mean thousands more in your emergency fund.

📈

Investments

Section 5 of 14

Investment Accounts (check all that apply)

401(k) 403(b) Traditional IRA Roth IRA Stocks Bonds Crypto None

Total Estimated Value of Investments

💡 What is a 401(k)?A 401(k) is a tax-advantaged retirement savings plan sponsored by your employer. Contributions reduce your taxable income today, and funds grow tax-deferred until retirement.

💳

Debt & Financial Obligations

Section 6 of 14

🏠 Real Estate Debt

Do you have a mortgage?

Yes No

Mortgage Balance Remaining

Monthly Mortgage Payment

Do you have a HELOC, Home Equity Loan, or 2nd Mortgage? ?A HELOC or home equity loan uses your home as collateral. If you fall behind on payments, you risk foreclosure — even if your primary mortgage is current.

Yes No

HELOC / Equity Loan Balance

Monthly Payment

🎓 Student Loans

Do you have student loans?

Yes No

Total Student Loan Balance

Monthly Student Loan Payment

Loan Type

Federal Private Both

Are you on an Income-Driven Repayment plan or pursuing forgiveness?

Yes No Not Sure

🏛️ Tax Obligations

Do you owe back taxes (federal or state)? ?Unpaid taxes accrue penalties and interest of up to 25% of the balance. The IRS can garnish wages, levy bank accounts, or place a lien on your home.

Yes No

Estimated Back Taxes Owed

Do you have a payment plan (IRS installment agreement)?

🏦 Business & Other Loans

Do you have an SBA Loan? ?SBA loans often require a personal guarantee, meaning if your business defaults, the lender can pursue your personal assets — home, savings, and more.

Yes No

SBA Loan Balance

Monthly SBA Payment

Did you sign a personal guarantee?

Yes No Not Sure

⚠️ Personal Guarantee RiskIf you signed a personal guarantee on your SBA loan, your personal assets (home, savings, car) are at risk if your business cannot repay the loan.

💳 Other Consumer Debt

Total Other Debt Balance (credit cards, auto, personal loans)

Monthly Payments on Other Debt

📊 Total Debt Balance$0

📊 Total Monthly Debt Payments$0

📊 Debt-to-Income Ratio 0%

🛡️

Protection Coverage

Section 7 of 14

Life Insurance ?Life insurance provides a tax-free death benefit to your family if you pass away. It is the foundation of any protection plan — especially for families with dependents.

Yes No

Life Insurance Coverage Amount

Disability Insurance ?Disability insurance replaces 60–70% of your income if you can't work due to illness or injury. Without it, a medical event can quickly become a financial crisis.

Yes No

Health Insurance

Yes No

Long-Term Care Coverage ?Long-term care insurance covers costs of nursing homes, assisted living, or in-home care. The average nursing home costs over $90,000/year — this coverage protects your savings.

Yes No

Umbrella Insurance ?Umbrella insurance provides extra liability coverage beyond your home/auto policies. For $150–$300/year, you get $1M+ in additional protection against lawsuits.

Yes No

⚖️

Legal & Estate Structure

Section 8 of 14

Do you have a Will?

Yes No

Do you have a Trust?

Yes No

Medical Power of Attorney

Yes No

Financial Power of Attorney

Yes No

👨‍👩‍👧

Family Exposure

Section 9 of 14

Do you have aging parents you support or may need to support?

Yes No

Do your parents have life insurance?

Yes No Not Sure

Do your parents have long-term care coverage?

Yes No Not Sure

Do your parents have Power of Attorney designated?

Yes No Not Sure

🏢

Business Ownership

Section 10 of 14

Do you own a business?

Yes No

Business Structure

Do you have a business partner?

Yes No

Do you have a Buy-Sell Agreement? ?A buy-sell agreement is a legal contract that determines what happens to a business owner's share if they die, become disabled, or leave. Without one, your family could be forced into a bad deal or your business could collapse.

Yes No

Are you a key person in the business?

Yes No

Do you have Key Person Insurance? ?Key person insurance protects a business if a critical employee or owner dies or becomes disabled. The business owns and receives the policy payout to cover costs, recruit replacements, or wind down operations.

Yes No

🕐

Time & Future Planning

Section 11 of 14

Date of Birth

Desired Retirement Age

Desired Monthly Retirement Income

📊 Years to Retirement —

Anticipated Major Expenses

Within 1 Year

Within 3 Years

Within 5 Years

📊 Major Expenses Sub-total $0

📎 Also counting toward your total future obligations: Child support, alimony, and adult child support entered in Section 1 are automatically included below.

📊 Total Projected Future Obligations $0

🧠

Financial Behavior

Section 12 of 14

How often do you review your finances?

Financial Stress Level (1 = None, 10 = Extreme)

1 — No Stress 5 10 — Extreme

Do you have a written financial plan?

Yes No In Progress

Confidence in your financial future (1 = Not at all, 5 = Very confident)

1 — Not Confident 3 5 — Very Confident

🔎

Hidden Exposures

Section 13 of 14

Do you co-sign any loans for others (children, family, friends)? ?If you co-signed a loan and the borrower misses payments, you are fully responsible. This debt appears on your credit report and can affect your DTI and borrowing ability.

Yes No

Do you have any outstanding medical debt?

Yes No

Estimated Medical Debt Balance

Do you have any pending or active lawsuits, judgments, or liens against you? ?Unpaid judgments or liens can attach to your property, garnish wages, or seize assets. These are critical exposures that must be addressed in any financial protection plan.

Yes No

Do you have significant digital assets? ?Digital assets include crypto wallets, PayPal/Venmo balances, online businesses, domain names, or digital storefronts. Without a plan, these can be permanently lost at death or incapacitation.

Yes No

Do you have a digital estate plan or account access document for your family?

Yes No Not Sure

Have you experienced a major financial event in the last 3 years? (check all that apply)

Bankruptcy Foreclosure Divorce / Separation Job Loss Business Closure Major Medical Event Death of Spouse/Partner None of the above

✅

Final Check — Almost Done!

Section 14 of 14

Does anyone depend on your income financially? (spouse, children, parents, siblings, etc.)

Yes No

Do you currently carry credit card debt month-to-month?

Yes No Sometimes

Total Credit Card Balance

Average Interest Rate (%)

Are there any other financial concerns or obligations we haven't addressed?

💡 You're Almost ThereOnce you confirm your contact details on the next screen, your Financial Control Score™ and personalized report will be submitted and your private dashboard link will be generated.

🎯

Your Results Are Ready

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First Name

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Email Address

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Analyzing Your Financial Picture

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📊Calculating cash flow metrics…

🛡️Evaluating protection coverage…

⚖️Scoring legacy & legal structure…

📡Submitting to secure report system…

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Your Money Is at Risk

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Find Out Exactly WhereYour Money Is at Risk

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Analyzing Your Financial Picture

Find Out Exactly Where
Your Money Is at Risk