Quick Links
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Welcome to our website.
You will find a lot of "quick hit" information meant to help you address client's needs. For fast navigation, use the quick links or drop down menus for specific areas of interest. Need to update your LTC or Annuity Continuing Education?
If you sell fixed annuity products you need to do the "New" 1 hour best interest C.E. before the end of the year! Contact Bill Jr for a C.E. voucher.
 Rates updated 9/07/2021
Many states, including Texas, now have new standards for producers to meet, called "Best Interest". We can help you learn and navigate these guidelines.
Start by comparing our Guaranteed Rate annuity products to your client's current interest rates and if you can see it is in their best interest to make a change call me.
Prefer a flexible premium product? We have one you really should take a look at. It can be started with as little as $10,000 and additional contributions do not extend surrender charges. It has a great fixed rate as well as multiple index strategies to choose from. Two surrender period options, 7 years or 10 years which includes a 1% premium bonus! 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". Are there people out there who are just Impossible to insure? Not if he/she is 50 to 80 years old.
Here are two folks who were glad their agent called us with the details!
Visit our Final Expense page for more details. There is a real need for this type of coverage and you can provide it. The Three most common issues with your client getting the rate you quoted are...
#1 Non disclosure. As carriers aggressively utilize electronic data searches, "forgetting" medical and/or prescription history becomes a big time killer and often a rate class killer too! When an applicant "forgets" to mention medical history or prescribed medications to you, during phone interviews or exams, underwriting 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. #2 Admitted height and weight verses exam day results. The more accurate your client is with you, the more accurate your quotes will be. Shrinking a couple of inches or gaining 10 lbs from when they talk to you to exam day really can change the outcome of u/w. #3 Nicotine or Nicotine substitute usage of ANY kind in the last 5 years. It is no longer a "do you smoke" question. Many carriers now go back 5 years for any type of nicotine use or nicotine substitute at all and if yes, increase rates. PLEASE ask the question along this line: "Do you know or have you in the last 5 years used any type of tobacco or nicotine product or nicotine substitute like vaping or medication?" If the applicants answer is "yes" then please get the specific details so we can help you to take an application with the right carrier for them. Some carriers may offer non smoker rates for cigar, pipes, chew, gum etc but you need to know to quote them right. 
The Cost of Extended Health Care is one of the biggest risks to your client's Savings and Retirement.
Thankfully some carriers still offer Long Term Care Insurance which can be used to offset some of the costs. 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. Your clients may even be able to 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! 
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.
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