Quick Links
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Annuity Quotes
Final Expense
Paper Forms
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Agent Resources
Welcome to our website.
Our home page has a lot of "quick hit" information which may help you address some of your client's needs.
Or you can use the quick links or drop down menus to navigate to specific pages.
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Multi Year Guaranteed Annuity Rates as of 3/1/21
  • Top Selling Product: 2 years 2.15% (minimum premium on $10,000) or 2.09% with interest withdrawals.  Great short term rate!
  • 3 years 2.15% (minimum premium $20,000) interest withdraws after year 1.
  • 4 years 2.60% (minimum premium $20,000) interest available after year 1.
  • 5 years 2.95% (minimum premium $10,000) or 2.89% with interest withdrawals in 30 days!
Fixed annuity interest rates are very strong when compared to Bank CD's, Money Markets & Checking accts!

We have products for your IRA cases both single premium and flexible premium too!
Remember, IRA's for 2020 tax year are up to $6,000 for under age 50 and up to $7,000 for over age 50.
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​​Please check our our new online search tool to find the right products for your clients. 
Simply click here to run quotes or click "Annuity Quotes" under the Quick Links to do your research.

​​If you have any issues or want a quick tutorial reach out to Bill Sessums Jr. 
Or if you have not registered yet click here, it is simple and the software is fantastic!
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ou can write life insurance for those who seem impossible to insure.  You might ask, "does it work?"  
  • Yes, level face amount, guaranteed premium whole life policy for a 5'10" 453 pound male. No Problem.
  • Yes, level face amount, guaranteed premium whole life policy for a 69 year old female with no Dr's visits or check ups in the last 4 years!  No known medical issues but a smoker.  NO Problem.
​For Ages 40 to 80 up to $50,000 - No build question, No nicotine question, No exams or lab work, No face to face meeting not required, just a short application and quickly approved with a level db or a graded db. 

​Let us help with your next "might be impossible" life case so you can present a real solution. For many people $40,000 or $50,000 of life insurance may provide some real financial "peace of mind" to the insured or their family.  And when you place 2 cases by 3/31/2021 you will receive an extra $100!  It's a win, win!
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No Exam or Labs Required For Up to $750,000 of Life Insurance, Guaranteed!
  • SBLI: Up to $750,000 of term or whole life, ages 20-60 & Never an Exam or Labs!  And now you can offer coverage without even having to do a telephone interview! Contact Bill for details.
  • Sagicor: No Exam or Lab work for Term Life up to $1,000,000 for ages 18-45, $750K for ages 46-55 and up to $500K for ages 56-65.
  • Great Western Life: No Exam or Lab work, Ages 40-80 up to $50K Simplified &/or $40K G-Issue using an online, uploaded application.  No paper needed!
  • GTL:  Ages 40-90 up to $25,000 "almost" guaranteed issue graded benefit life, app done on lap top or smart phone, No paper to mess with!​
IT'S BACK!  Survivorship/2nd to Die Life insurance with Guaranteed Death Benefit and Premium! 
If you have clients who need affordable planning options to create estates, fund trusts, provide funds for lifetime dependents or who are concerned about possible changes in estate taxation you will be happy to know we can help you with this type of product "again".
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A project that will benefit you and your clients: Please review your in force business and identify policy holders with Met Life (now Brighthouse), ING (now VOYA) Genworth/First Colony (now Genworth) and talk with your clients to determine if the term, UL or WL they have is still appropriate for their needs or if a change would be suitable.  

These three carriers have undergone operational and service transformations that have made it challenging to provide policy service and more specifically to get conversions that your clients may need in the future.  If your client's health allows it and it's suitable for their needs, I encourage you to work with them to consider options. 
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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! 
Remember, 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!
$'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. 
Credit Cards for Premiums? YES, bank the points or miles by paying with a credit card!
SBLI accepts annual premiums on credit cards up to $99,999 without any additional fees in year 1!
Guaranteed & Simplified Issue Life Insurance, the need is real! 
Carrier 1: "Almost" G-Issue up to $50K for ages 40-80 - cases issued in 24 hours!
Carrier 2: G-Issue up to $40K ages 40 to 80. With a 2 year graded benefit = to premiums +10%!
Carrier 3: up to $25K ages 50 to 80.
Visit our Final Expense page​ ​for more details and please note you need to be contracted before you can write an app.  Given the popularity of these products it is taking about 7 to 10 business days to get appointed! 
​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.