...yes, term rates are dropping - and It Does Keep Getting Better All The Time!

When it comes to Life Insurance a rate decrease is always a good thing, especially when it is as much as a 25% decrease!

Yes, that's right! Effective today, your clients can benefit from incredibly low rates on the Protective Life Secure-T Universal Life Insurance Plan.

And if that's not enough, it get's even better - more favorable ratings thanks to Improvements in build charts, cholesterol and Blood Pressure Underwriting Requirements.

If you are talking to anyone about Life Insurance right now, which you should be, because It's Our Responsibility, then give us a call and we will compare the rates for you to ensure that you are maximizing every dollar for every client every time!

Call us any time – we make “LIFE” easier!

800-543-0886

 

Or Click here for a Life Insurance Quote

BOOZER ELECTED TO NAIFA TEXAS OFFICE

NAIFA Texas is holding its annual meeting this week in San Marcos Texas.  During the meeting, attendees will be treated to great educational and sales oriented material.  This is the time when the group attends to the business of the association as well.  One of the most important business functions is the election of the officers and trustees for the coming year. 

In the annual elections held today, our own Lane Boozer was elected Secretary-Treasurer for the upcoming year.  

Boozer has served as a trustee for NAIFA Texas for 9 years.  During that time he has served as NAIFA Texas Pic Chair/Co-Chair, LILI Moderator, Non-Dues Revenue Chair, LILI Graduate, National Independent Advisors Task Force, and Ambassador of Good Will. 

During the 83 year history of NAIFA Texas, there have only been three situations where both a father and son have served as Secretary-Treasurer.  Lane becomes the third to have that honor.  Lane’s father, Don Boozer served in that capacity in 1983-84.

Taxable vs. Tax Deferred

Here's a great question to ask EVERY client:

"How much would you have to earn each year from a taxable investment in order to equal earnings on a tax-deferred investment?"

Click here to download the answer! 

FREE single page sales piece to help your clients understand the value tax deferral.

Yeah, rates may be low, but don't underestimate the power of tax deferral!

Give us a call for a list of the top rates for your state and ask about the hottest annuity products available through our 30 + annuity carriers.

Need personalized illustrations? No problem - we'll be happy to provide with all you need, including client presentation material and product brochures.

One client - one phone call - hundreds of options!

We'll do the research for you!

866-777-1881

Long-Term Care Hybrid Plans

 Long-Term Care is a need that should be factored into every Retirement Plan.

Not every client gets excited about the idea of paying LTC premiums and not knowing if they will ever actually need the coverage in fear that they are "throwing money away" 

And this is where Hybrid LTC Plans make a perfect entrance!

Click here to download your FREE 2-page 

client presentation piece highlighting

Long-Term Care Hybrid Plans.

Give us a call to learn all about the options currently available, 

multiple carriers, multiple products, one phone call!

Ask us for personalized illustrations, product brochures and full client presentations.

It's NOT too late!

DO YOU HAVE CLIENTS THAT HAVE BEEN LABELED DECLINED OR UNINSURABLE?

Some folks that you deal with wait until they have their first heart attack or their first stroke to buy their life insurance.  Of course, by that time, their choices are severely limited.  

Extra ratings are the norm – IF they can buy life insurance from a standard company.  For this group of people, there are products that they can purchase that are priced for their situation.  

These products usually offer a limited amount of coverage ($50,000, $100,000, $250,000) that they can purchase on a simplified issue basis.  

We offer a wide range of these products and they are great for the prospects who waited till after that stroke to buy their coverage.

Then there is a group of people who cannot even qualify for the simplified issue products (cancer, liver transplants, heart transplants, Alzheimer’s etc).  For this group, we offer our Guaranteed Issue Whole Life product.  

It is a graded death benefit product – BUT there are NO health questions, NO exam, NO blood or urine.  Nobody is declined.  

Permanent Protection Guaranteed for Life
Premium Never Increases
Qualifying Ages 40 - 80
Coverage Amounts $2,000 to $50,000
Immediate Coverage for Accidental Death 

 
If you have a prospect that fits either of these classifications – call us today. We can help!!

IS IT TIME FOR ANOTHER FIRE SALE?

Those agents who have been around for a few years will remember the “Fire Sale” just before the Triple X rule was implemented.  Everybody made a lot of money at that point and millions of Americans bought much needed term insurance at ‘low-low rates.’

Today’s current low interest rate environment is creating and earnings problem for companies that are selling term insurance plans with rate guarantees longer than 20 years.  Today ING joined the growing list of companies that are suspending the sale of 25 and 30 year products. 

I expect more to join this group in the near future.  

TODAY IS THE DAY AND THIS IS THE PLACE!

If you have clients who want 30 year term and haven’t committed – NOW is the time to call them and tell them that companies are withdrawing their 30 year products and they need to act now to get the coverage while it is still available.

WE STILL HAVE A GREAT SELECTION

See the following monthly rates for a male age 40/41 preferred not tobacco user with a face amount of $250,000:

Call us today for quotes for your clients.   

We usually get quotes delivered within 30 minutes!

800-543-0886

What Types of Rollovers Are Permitted in 2012?

The Economic Growth and Tax Relief Reconciliation Act of 2001 (EGTRRA 2001) increased the portability of retirement plan assets by allowing rollovers between all types of retirement plans. Certain rollover restrictions were eased as well. The Pension Protection Act of 2006 made these changes permanent.

Click here to download your FREE summary of "What Types of Rollovers Are Permitted in 2012?"

And as you discuss the options with your clients, keep in mind, that with one phone to us - you have access to 50+ carriers.

Give us a call and let us help you place your next case. We're here to help you maximize EVERY dollar for EVERY client, EVERY time!

866-777-1881

The Role of Life Insurance in Retirement Planning

"Did you know that cash value life insurance is the only financial product with the flexibility to provide benefits if you die, if you become disabled or if you live to retirement?"

"If something happens to you during your working years, how will your family replace your earning power?"

"If, as is likely, you live to retirement, will you have sufficient retirement income to replace your earning power?"

Are you asking the right questions? Are you presenting Life Insurance in Retirement Planning for EVERY client? Do you need resources to assist you with your presentation?

Click here to download your FREE copy of this 10 page client presentation tool that will help you share the value and importance of Life Insurance in Retirement Planning.

And, give us a call and allow us to guide through the many options available to your clients.

We represent 50+ carriers and are always happy to research them all to ensure that you have all of best options at hand for every client, every time!

This presentation covers the following topics:

Your Earning Power
Sources of Retirement Income
Important Facts About Social Security Retirement Benefits
Potential Solution for a Lifetime…Cash Value Life Insurance
Cash Value Life Insurance and Retirement Planning
Features of Cash Value Life Insurance
Tax Issues
Types of Cash Value Life Insurance
Important Information

Call us today and learn how Life Insurance in Retirement Planning 

can help you take care of clients 

and grow your business!

800-543-0886

BOOZER CANDIDATE FOR NAIFA TEXAS POST

 

Lane Boozer, LUTCF - VP of Marketing for Don Boozer and Associates, Inc. has announced his candidacy for the position of 2012 - 2013 Secretary-Treasurer of NAIFA Texas.   Boozer has served as a trustee on the NAIFA Texas board since 2003.  During that period of he has served as NAIFA Texas PIC Chair and Co-Chair (2005-2011), NAIFA Texas LILI Moderator (2009, 2010 and 2012), NAIFA Non-Dues Revenue Chairman (2007-2011), LILI Graduate (2003), NAIFA National Independent Advisors Task Force and NAIFA Texas Ambassador of Good Will.  He has also served in many leadership roles for NAIFA Texoma and NAIFA North Texas.  

The election of officers will take place on July 24, 2012 at the annual NAIFA Texas meeting in San Marcos Texas.  

When elected, it will be just the third time in the 87 year history of the Texas chapter that a father and son have held the same post.  Lane’s father, Don Boozer served as Secretary-Treasurer of the (then) Texas Association of Life Underwriters during the 1983-1984 period. 

 

Understanding Annuities: A Lesson In Fixed Interest and Fixed Indexed Annuities

"An annuity can be a great way to save for retirement on a tax-deferred basis, in effect creating your own personal "pension" plan."

In planning for financial security in retirement, an annuity can help satisfy two basic objectives:

1. To accumulate retirement assets on a tax-deferred basis.

If you're already contributing the maximum to IRAs and any employer sponsored retirement plans and need to save more for retirement, a deferred annuity may be the answer to your retirement savings need.

2. To convert retirement assets into an income that you cannot outlive.

On the other hand, if you're near or at retirement, an immediate income annuity can be used to convert existing retirement assets into a lifetime income.

Click here for your downloadable copy of 

"Understanding Annuities: A Lesson In Fixed Interest and Fixed Indexed Annuities" 

 

 

We have been working to best serve the needs of our agents since 1967 affording us the luxury of working with more than 50 of the industry’s best carriers and establishing valuable relationships with them and their underwriters.  

Our team is comprised of individuals that have served in the capacity of Independent Agents, so we all understand what it takes to grow a successful practice.

 

Our goal is to be a support system you can rely on to maximize every dollar for every client every time while saving you time along the way!

 

Give us an opportunity to show you what we can do – we’ll make it worth your time!

Our Sales Tools and Sale Makers Resource Section provides a wealth of information with practical, point of sale material to help you address customer needs and close Life Insurance and Annuity sales.

 

Check back each week as we continue to add new content, including Fact Finders, Full Client Presentations, Concept Pages, Tools and Techniques, Tax Information and Specimen Documents.

 

Call Ingrid in our Annuity Center

866-777-1881

 

Why Life?

Click here for your downloadable copy of 

"Why People Buy Life Insurance" 

We have been working to best serve the needs of our agents since 1967 affording us the luxury of working with more than 50 of the industry’s best carriers and establishing valuable relationships with them and their underwriters.  

Our team is comprised of individuals that have served in the capacity of Independent Agents, so we all understand what it takes to grow a successful practice.

 

Our goal is to be a support system you can rely on to maximize every dollar for every client every time while saving you time along the way!

Give us an opportunity to show you what we can do – we’ll make it worth your time!

Our Sales Tools and Sale Makers Resource Section provides a wealth of information with practical, point of sale material to help you address customer needs and close Life Insurance and Annuity sales.

 

Check back each week as we continue to add new content, including Fact Finders, Full Client Presentations, Concept Pages, Tools and Techniques, Tax Information and Specimen Documents.

The Fourth of July 2012

 Artwork by our pretty little protege from Santa Fe, Tracy Huddleston.
See more of Tracy's work here.

Our Office Will Be Closed Wednesday, July 4th in Observance of Independence Day

We wish you and yours a Happy 4th of July!

Have Fun - Be Safe!

Ray Charles Sings America the Beautiful 

Fun Facts Courtesy of  USA.gov

The Fourth of July 2012

On this day in 1776, the Declaration of Independence was approved by the Continental Congress, setting the 13 colonies on the road to freedom as a sovereign nation. As always, this most American of holidays will be marked by parades, fireworks and backyard barbecues across the country.

2.5 million

In July 1776, the estimated number of people living in the newly independent nation.

313.9 million

The nation's estimated population on this July Fourth.

$3.6 million

In 2011, the dollar value of U.S. imports of American flags. The vast majority of this amount ($3.3 million) was for U.S. flags made in China.

$663,071

Dollar value of U.S. flags exported in 2011. Mexico was the leading customer, purchasing $80,349 worth.

$302.7 million

Dollar value of shipments of fabricated flags, banners and similar emblems by the nation's manufacturers in 2007, according to the latest published economic census statistics.

$232.3 million

The value of fireworks imported from China in 2011, representing the bulk of all U.S. fireworks imported ($223.4 million). U.S. exports of fireworks, by comparison, came to just $15.8 million in 2011, with Australia purchasing more than any other country ($4.5 million).

$231.8 million

The value of U.S. manufacturers' shipments of fireworks and pyrotechnics (including flares, igniters, etc.) in 2007.

For more, visit, USA.gov

 

RHEUMATOID ARTHRITIS Underwriting Success Story

RHEUMATOID ARTHRITIS

46 Year Old Male
$750,000 of Term Life
Non Tobacco User
Diagnosed with Rheumatoid Arthritis 3 Years Ago
Treated Successfully with Continuous Low Dosage Methotrexate
Initial Workup - Table 2
Received Lifestyle Credits for: Lifetime Non-Smoker,
Favorable Family History, Good Cholesterol Ratio,
Preferred of Better Driving Record 

OUR OFFER: STANDARD!

If you don't ask, the answer is always no! So call us and ask - we're here to find the answer!

800-543-0886