Joe & Pearl Barnwell


Our Agency is Positively Impacting Community & Making A Difference.

We offer our clients  excellent products to promote a quality  life style.  Having first hand experience with our products and sharing  positive results has made a tremendous impact  in our community.

Learn more about us and what we do!

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 Build Generational Wealth


- Create a Family Legacy that Passes to Each New Generation 

- Have tax-free income at retirement

- Capture the interest you are currently losing

- Living Benefits

- Save for college

- Prevent Payment of Estate Taxes and more...

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Final Expense Life Insurance

Affordable burial plans available for the entire family. Each Plan comes with a Casket, Burial Vault and 

Headstone and an

Accidental Rider 

that doubles your death benefits.

No one is turned down.

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Have access to your own personal attorney.

Membership Perks Discount Program includes:

 phone bills, hotels, car rentals, restaurants, airline fares, department stores, movies and much more...

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Download your LegalShield App

 on your smartphone today!

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Natural Healthy Products

The most advanced multi-vitamin mineral complex to date, which provides the highest quality essential nutrients for optimal health. Synergizing co-factors ensure maximum nutrient absorption and benefits.  Meet the Founder, Dr. Joel Wallach  

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Author: Pearl Barnwell

Pearl's book will bring hope, tears and laughter as she shares her journey with an addicted spouse for 18 years.  She shares life experiences from her book as it has played a major role in her husband's sobriety.   Displaying and dispensing  tough love, with the Lord's guidance was  a contributing factor to her current experience of Joy Now.


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Contact Information

Ask for Joe or Pearl

Home Office 



[email protected]

Office Location

6709 Whitestone Rd. Ste. B

Gwynn Oak, MD. 21207

Business Hours

Monday - Friday

9:00am - 9:00pm 


 9:00am - 1:00pm

 Sunday - Closed