...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