Quick Links

Welcome to our website.
​

Fixed annuity rates are very strong when compared to Bank CD's. 
And now you can use our new online search tool to find the right products for your clients. 
​Click here to run quotes or the Blue Annuity Quotes Button.
The registration is simple and the software is fantastic!
​If you have any issues or want a quick tutorial reach out to Bill Sessums Jr. 
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".
You can write life insurance for those who seem impossible to insure and when you place 2 cases from 1/1 to 3/31/2021 you will receive an extra $100 for doing a good thing!  It's a win win!
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 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. While it may not seem like a lot to you, for many people $40,000 or $50,000 may provide some real financial "peace of mind".
No Exam or Labs or in Person meeting required to apply for life insurance up to $750,000!
  • SBLI: Up to $750,000 of term or whole life, ages 20-60 and NEVER an Exam or Lab work!
  • 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!​
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 new policy would be more suitable.  

These three carriers have undergone many changes and it has become very 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 their options. 
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! 
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!
​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.