Quick Links
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Annuity Quotes
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Agent Resources
Welcome to our website.
You will find a lot of "quick hit" information meant to help you address client's needs.
For  fast navigation of our site, use the quick links or drop down menus for specific areas of interest. 
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#1 for life insurance without exam or labs up to $750k of term or perm Guaranteed!
  • Unlike the rest, this carrier will never ask for an exam or labs for up to $750,000 of term or whole life to age 60.  A phone interview is not even required and can all be done online with you or by the client self completing the application.  Contact Bill for details. 
You can FORGET about hoping that your client's exam and labs are good on "that day" and just help them get insured without the extra steps and hassle. Rates are super competitive too! 
PictureRates updated 7/22/2021
Top guaranteed rate annuity products as of 7/22/2021.
  • 2 years 2.15% (minimum premium $10K) no withdrawals for 2 years
  • 2 years 2.09% (min premium $10K) with interest withdrawals in 30 days!
  • 3 years 2.25% (min premium $20K) interest withdraws after year 1
  • ​4 years 2.60% (min premium $20K) interest available after year 1
  • 4 years 2.25% (min premium $20K) interest available in 30 days!
  • 5 years 2.95% (min premium $10K) or 2.89% with interest withdrawals in 30 days!
  • 5 years 2.75% (min $100K) interest after year 1.  A- with A.M. Best
​Prefer a flexible premium product?  We have a great one!  Only $10,000 to start and and additional contributions do not extend surrender charges.  Features include, a great fixed bucket rate, 1% premium bonus and a solid crediting rate history!
Impossible to insure?  Nope if he/she is 50 to 80 years old.
Visit our Final Expense page​ ​for more details but check out these cases.
  • 5'10" 453 pound male $50,0000, Level face amount, guaranteed premium whole life policy.  No Problem.
  • Male 65 invasive, internal cancer diagnosed 2 weeks ago.  No Problem.  up to $40,000 graded death benefit, full face amount after 24 months in force!  
$'s for Home Health Care!  Click to view the Consumer Home Health Care Insurance Video then get in touch with Bill to get your contracting going & to learn about the online & "smart" app! 
​No paper app, quick issue and very easy u/w. 


​MOST RECENT UNDERWRITING CHALLENGES

Non disclosure is becoming more and more common as carriers aggressively utilize electronic data searches.  Medical and prescription history have been big time killers. (And rate class killers too!) When clients "forget" to mention medical history or prescribed medications during phone interviews or exams it simply delays the process as underwriting then has to investigate which often includes ordering medical records they may not have otherwise needed. With the e-data available to underwriters there really is no "hiding" a person's history.  It used to just be MIB but now info goes more in depth and and further back than many would imagine.  

The next biggest issue is admitted height and weight verses exam day results. The more accurate your client is with you, the more accurate your quotes will be. 
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Question: What's one of the biggest risks to your client's Savings and Retirement?  Answer: The Cost of Extended Health Care! 
Long Term Care Insurance can be used to offset some of the risk.  We have four different options and the knowledge to help you when working with your clients. Need an LTC refresher? Call or email Bill Jr.
Can your client deduct the premiums for Tax-Qualified LTC - Click here for a guide on the various types of taxpayer and premium deductions available for TQ LTC.  TQ LTC includes the One America COB rider!
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Please review your book of business and identify those with Met Life (now Brighthouse), ING (now VOYA) and or Genworth/First Colony (now Genworth) and discuss current and future needs with your clients.  Is their current term, UL or WL still appropriate or is a change suitable?

Some carriers have undergone operational and service changes that have made it very challenging to provide policy service and more specifically to get conversions that your clients may need in the future.
​Please be aware, not every carrier we have is active on our quote system.  We continually monitor our carriers and provide you with the ones that are competitively priced, timely in underwriting and willing to work with the agent and clients to approve and issue cases.  The good news is that for "most" cases our online quote system represents BOTH the top priced as well as easy to work with companies but it doesn't hurt to check when nothing but being the cheapest matters.