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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 easily navigate to specific pages.
PictureRates updated 4/19/2021
Your clients deserve higher interest rates than bank CDs are paying and you can help!
  • 2 years 2.15% (minimum premium $10,000) no withdrawals for 2 years
  • 2 years 2.09% (minimum premium $10,000) with interest withdrawals in 30 days!
  • 3 years 2.20% (min premium $20,000) interest withdraws after year 1
  • 3 years 2.00% (min premium $10,000) interest available in 30 days!
  • 4 years 2.55% (mini premium $20,000) interest available after year 1
  • 4 years 2.25% (min premium $20,000) interest available in 30 days!
  • 5 years 2.95% (min premium $10,000) or 2.89% with interest withdrawals in 30 days!
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We also have a VERY Good Flexible Premium Indexed annuity which allows clients to set up with just $10,000 and make additional contributions without extending the surrender period!  It offers a great fixed bucket rate, premium bonus and the carrier has a solid crediting rate history!

Need CE? Need More Info? Need Help? Just call us!  Be sure to check out our new online search tool to find the right annuity products for your clients.  Click here to register or log in to run quotes or click "Annuity Quotes" in the under the Quick Links
AIG now offers Non Medical Underwriting opportunity for Value+ Protector II up to $1,000,000!
Non-medical underwriting applies to cases that fall within these guidelines:
  • Face amounts up to and including $1 million for ages 50 or below
  • Standard to Preferred Plus underwriting classes
And you can "dial a guarantee" period up to age 100 for most ages.
For your protection-focused clients this means a Simplified and Quicker process from app to approval!
For you it mean your cases can be approved quicker!  App is a simple two page "ticket" followed by client phone interview.  Your younger clients will love it!
Check out Pacific Life's New Super Competitive Rates and Underwriting Advantages!  
Click here for quick video highlights. 
Pacific Life is "name brand" and doing what they can to earn your business & insure your clients!
Impossible to insure?  Nope. 
  • 5'10" 453 pound male $50,0000, Level face amount, guaranteed premium whole life policy.  No Problem
  • 69 year old female with no Dr's check ups in the last 4 years!  No known medical issues but a smoker. $40,000, Graded face amount, guaranteed premium whole life policy for No Problem.  IF she has a Primary Care Dr then $50,000 LEVEL face amount.
​Ages 50 to 80 up to $50K - No build or nicotine questions, No exams/labs or face to face meetings  required. Just a short online application then quickly approved with a level db or a graded death benefit. 

​Let us help with your next "impossible" life case so you can present a real solution. For many people $40,000 or $50,000 of life insurance may provide real financial "peace of mind" to the insured or their family.
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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!​
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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.