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Need Annuity or LTC CE? Contact Bill for a Free Voucher!
Product Highlight: Home Health Care Insurance is tremendous for those who don't want comprehensive LTC, or are on a limited budget or who can't medically qualify for LTC.  Product features in Texas include:
  • Zero day elimination period for home health care
  • Very simplified issue underwriting- only 4 qualifying questions 
  • ​TX policy includes: Indemnity payments, Unisex pricing, No tobacco question, No build Question, Current Age pricing and the base plan includes a $250 a year prescription benefit


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Our #1 Comprehensive LTC Product features:
  • Elimination period for home health care 0 days & 90 days for facility care
  • Can be Guaranteed Paid up in 1, 5, 10, 20 years or at age 95.
  • Can accept dump in premiums i.e. 1035's
  • Premiums are Guaranteed & Benefits are payable for insured's lifetime.
100% return of premium is Back!
Click to find out how your clients can get their money back when the life insurance is no longer needed.  After all, if you don't use it, it's only fair to get your money back! 
Help clients handle high deductibles with a Cancer, Heart Attack & Stoke  policy. FAMILY HISTORY not a factor in underwriting this product! 
Time for an LTC refresher? ​Take a quick review then let's discuss extended health care insurance for your clients & prospects. No apologies when using our #1 product.
Something Old is "New" again
YRT can save the case when your client "needs" the coverage but premiums are too high? Or they need short term life insurance. (Convertible to 20 or 30 year term!) Take a look at this product ​By Clicking Here
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They will never ask for an exam or or send someone to stab your applicant for up to $500,000 and to age 60 for term or whole life. From a Mutual Company!
​YES! There are differences when it comes to Term and UL carriers beyond the price.  Go beyond "cheap" and find out more more about "value". Please set aside 5 to 10 minutes and let's talk.  It will save you and your clients time and $'s. 
Final Expenses can create a financial burden at the worst time! 
​Visit our Final Expense page & get up to date on on how to assist a family in the time of need. Most of "us" never think about it but the $ need is real.