UL With GUARANTEED Cash Value?

Without going through the entire history of universal life products starting in 1981 and continuing to the present, I will just say that the UL world is constantly changing for the better.  Every time a company improves their product we try to take note.  Sometimes these changes can give YOU a competitive edge and we want to take advantage of that possibility.

ANOTHER FORM OF TERM INSURANCE:

Today is one of those times.  There are a lot of companies that offer an excellent (fairly priced) universal life product with guaranteed death benefits and premiums that are guaranteed never to increase.  Generally these products have two different formats; One has NO cash value and the other has some cash value.  The one with no cash value could just as easily be called ‘term to age 100’ or ‘term to age 105.’

CASH OR NO CASH – WHAT IS THE COST?

In the case of Protective Life, the Custom Choice is the ‘term to age 100.’  It is the product with no cash value.  It is generally as competitive as any product in the market.  The Advantage Choice is the product that has some cash values.  I like this product because with the cash values – the client has the opportunity to cash out at some point and get his money back.  The thing that YOU need to know is that with Protective, sometimes the Advantage Choice product is cheaper than the Custom Choice product.  It makes no sense – but that is what happens.  IF it is not cheaper – it is generally not that much more.  ALWAYS take a look at the Advantage Choice when you are looking at Protective’ s UL products.

A GOOD PRODUCT GETS BETTER:

I like the ‘no lapse’ universal life products.  They perform the same function as whole life products with the exception of the cash value and they are nearly always cheaper for the client.  BUT now you have a solution for cash value problem as well.    Take a look at the American General Secure Lifetime UL.  This product offers the guaranteed death benefit, the guaranteed premium AND a guaranteed cash value!  The product is competitively priced with the other ‘some cash value’ products.  Keep this feature in mind – there may be a case where this benefit will save the sale for you.

Thank you for your business!

Don Boozer
DON BOOZER & ASSOCIATES
1-800-543-0886

Term Rates Up To 20% LOWER than the LOWEST Published Rate!

WE HAVE THE ADVANTAGE!

Every now and then – you get lucky.  You get a call from someone (at the bank, CPA, insured etc.) who is looking for the very lowest term rate in the industry for someone who is seeking a short term loan and needs a short term policy.  We currently have the ability to lower the rates on large case – short term – quotes by as much as 20 percent.  In order to qualify for this program, the case must meet both of those requirements (large case – short term).   You probably saw this flyer last week promoting this product. 

We believe that we are one of only a few agencies in the country that can deliver on this promise.  If you have a large short term case – please give us a call and allow us to show you how this is done.  We have not been beaten on this one yet!


Don Boozer
DON BOOZER & ASSOCIATES
1-800-543-0886

It is E&O Renewal Season!

Last year we added a new producer benefit to our website but we added it after the season had passed.  Most of us have our E&O renewal at the end of the year and we added the benefit in March.  BUT this year – we still have the same low rate and you can save money on your E&O by shopping on our website.

$1 Million Per Claim – As Low as $435!

Our coverage is offered by CalSurance, the leading provider of E&O coverage in America.  Last year I paid $685 for the same coverage through the program offered by one of our companies.  This year I am going to buy it here and save!

We have deductibles as low as $500 and a maximum aggregate up to $3 Million!  We offer full coverage for all companies for life, disability, health, Medicare Supplements, Fully Insured Groups, Accident Plans, LTC (and Annuities on level II).  We don’t have coverage for P&C and securities sales.

Fast – Easy-to-Obtain Coverage!

You can apply online on our website.  There is a simple one-page enrollment form; no multi-page application required!  You can print off your certificate immediately after your enrollment. 

When You Receive Your E&O Renewal Notice – GO SHOPPING! You can see a complete breakdown of coverage and costs HERE.   

Thank you!

Don Boozer
DON BOOZER & ASSOCIATES
1-800-543-0886

Why not the BEST?

Happy Thanksgiving!

Happy Thanksgiving to You and Your Family!

As you Celebrate This Holiday
Please Take a Moment to Remember
Our Troops On The Other Side of the World
Who Are Protecting Our Freedom

Tis The Season!

It is E&O Renewal Season!

Last year we added a new producer benefit to our website but we added it after the season had passed.  Most of us have our E&O renewal at the end of the year and we added the benefit in March.  BUT this year – we still have the same low rate and you can save money on your E&O by shopping on our website.

$1 Million Per Claim – As Low as $435!

Our coverage is offered by CalSurance, the leading provider of E&O coverage in America.  Last year I paid $685 for the same coverage through the program offered by one of our companies.  This year I am going to buy it here and save!

We have deductibles as low as $500 and a maximum aggregate up to $3 Million!  We offer full coverage for all companies for life, disability, health, Medicare Supplements, Fully Insured Groups, Accident Plans, LTC (and Annuities on level II).  We don’t have coverage for P&C and securities sales.

Fast – Easy-to-Obtain Coverage!

You can make application online at our website.  There is a simple one-page enrollment form; no multi-page application required!  You can print off your certificate immediately after your enrollment.

When You Receive Your E&O Renewal Notice – GO SHOPPING!
You can see a complete breakdown of coverage and costs HERE.  

Thank you!

Don Boozer
DON BOOZER & ASSOCIATES
1-800-543-0886

“Sell the sizzle – not the steak.” An excellent LTC alternative!

If you have been the business of selling long enough, you have heard the expression, “Sell the sizzle – not the steak.”  If you have ever been to a good steak restaurant you fully understand the statement.  Your hear the sizzle and your mouth waters.  However, selling steaks to hungry people is pretty easy.  On the other hand, selling a non-tangible product that’s benefit will never be seen during a person’s lifetime is another matter indeed.

People are living longer today than they were even 20 years ago.  With that longevity comes another set of problems.  Now you are trying to sell a product to someone that might not pay out for 40 or more years.  However during that 40 years, the insured faces another potential financially crippling situation.  As a person ages, the time will come when most people will need some help in completing their daily activities.  In fact, the statistics say that 70% of your clients will need help as they get older.  That assistance can be in-home care or care in an inpatient facility – but they will need assistance.  The question is – who will pay for it and where will they get the money?

THIS IS WHERE THE SIZZLE COMES IN!

Protective Life has a product that not only offers a death benefit . . . but offers the added benefit of being able to use the death benefit before you die!  The ExtendCare Rider can be added to the Protective Custom Choice UL or the Protective Advantage Choice UL.  This rider is basically a ‘chronic illness rider’ that is triggered when a person is no longer able to perform any two of their normal activities of daily living (bathing, toileting, eating, dressing, transferring and continence).   At that occurrence, the insured will be able to access their death benefit and receive up to $9600 per month to aid them in their upkeep – or for any other reason.  This is SIZZLE.  This product pays if you live or if you die and is an excellent LTC alternative.

You have clients that can’t picture themselves dead, but they can picture themselves dependent on their family and friends.  This is the product that will make them sit up and take notice.

ILLUSTRATION AND FAQ SHEETS provided upon request!

If you would like us to run some illustrations for you – let us know.  We will try to get them to you within 30 minutes of the time you ask.  This is the product that you have been looking for to use with the guy that doesn’t think he is going to die – but understands that he is not getting any younger.

Thank you!

Don Boozer
DON BOOZER & ASSOCIATES
1-800-543-0886