Welcome to Insurance Perspectives
We help you find the right Life, Long Term Care, Short Term Care, and Annuity products for your clients.
Have a clients who want term life "today"? We have it and that means you can too!
These products provide excellent options for younger clients who "want it now" and even for clients who simply don't want to have an exam or labs. Apps are done 100% online only and decisions are instant. Call Bill for details or for your quick contracting link. 713-771-7226
Insureds and their families won't think it's fair and will look for someone to blame and it might be you.
If an insured's need for long term care coverage exceeds their comprehensive long term care policy benefits, the money has to come from somewhere and you can bet the agent is one place the family will look. You can show and sell a policy that will reimburse them for extended health care for as long as their lifetime. And it may shock you to find out that a lifetime benefit product is typically only 15 to 20% more premium than a 5 or 6 year benefit period.
Get a quote today. Premiums are GUARANTEED for the life of the policy! And benefits are paid for as long as your clients need care.
Find out more by calling Bill @ 713-771-7226.
A Fixed Annuity may be better than a CD for your clients and it's not just for the rate: Click here to see why.
Please be cautious/skeptical of rates you see advertised from other brokers that look too good to be true. Many of the high rate products being advertised have "hidden gotchas" that could put you and your clients in financial jeopardy. Call Bill to talk about what to look for so that you can be sure you are making suitable recommendations to your clients.
Here are our top rates with carriers and products that you and your clients can depend on to do the right thing.
Has it been a while since you wrote a fixed rate annuity? Talk with Bill about getting up to speed or direct sales assistance.
You can always stay up to date on rates by Just clicking here for the Annuity Quote Engine!
Short Term Home Health Care is a Simple, Affordable and Valuable Option for Many Clients
Features include: Benefits paid directly to policy owner, No waiting period for prescription drug benefit claims, No pre-existing condition exclusions after 6 months, a quick and easy app with No exam or labs and most of all, Very affordable premiums!
Please contact Bill for specific details about this product line and how it has helped many of our agent's clients!
Have clients who have not set up a Will yet? We now have a carrier that provides the tremendous benefit of a policy owner being able to create a state specific and personal Last Will and Testament and other legal documents just by being a policy owner! This could be a game changer not only for your younger clients but even those who are a bit older and just haven't taken care of this very important detail.
Contact Bill at 713-771-7226 or email email@example.com to find out more and how to start offering this very important benefit!
Before you or a client go to the Dentist, take a look! Dental insurance is available and it works! Ask me about our new dental plans! Yes, seriously, it is worth your time to find out how easy it is to write a very good dental plan for your clients! Next day benefits that will make a difference in the cost of dental care from simple cleanings to major dental work. Huge Nationwide Network!
Don't leave home without it! When you leave the U.S.A. your health coverage may leave you!
I was shocked to find out how little, if any, health insurance benefits existed when traveling abroad. We now offer GeoBlue for you to help your clients traveling short or long term out of the Country! Easy to contract, easy to write and a valuable addition to your insurance products portfolio. Call Bill to discuss and to get set up with your own client facing URL and start selling!
The only "silly" insurance is the type your client doesn't have when they need it!
Have you made the time to reach back out to your "other than preferred" clients?
Some people actually get healthier after underwriting and if not, maybe they should convert some of that term life insurance that you sold them. But you won't know if you don't ask.
Are there people out there who are just impossible to insure? Not if he/she is 50 to 80 years old.
We have multiple carriers that when combined can add up to almost $100,000! Visit our Final Expense page for more details.
Long term care insurance, for better or worse?
In 1997, “Tax Qualified" long term care insurance policies became available providing potential tax deductions or tax credits for premiums and income tax free benefits. Very quickly, this type of policy became the only type being sold. Unfortunately, along with the possible tax benefits, premium rate increases also became reality. While many policy owners have been benefited from the tax advantages, every single carrier that I know of has had a rate increase of some amount on some of their in-force policies.
Do you remember why you stopped showing long term care products to your clients? Click here for the number one reason that agents tell me they stopped selling long term care and let me show you what has changed.
Please note, you now need to be contracted before writing business with many carriers.
It is becoming more and more necessary to be appointed and have carrier website access before writing business.
In Texas and many other states it is actually now required by Transamerica, Columbus Life, Gerber and Integrity as well as carriers who only offer online applications such as Great Western, Aspida and Oxford that you have an active appointment before you can write a case.
PLEASE do not write an application or drop ticket before you are actively contracted with a carrier unless you have discussed with us.