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Today's Special

There is a difference in Term and UL carriers.  Some are MUCH more agent and applicant friendly and actually conduct business accordingly.  From the application processes, to underwriting, policy issue, agent communication, conversion options etc. 

IF you want to go beyond "cheap" and know about "VALUE" please set aside 5 to 10 minutes and let's talk.  It will save you and your clients time and $'s. 

Bill Jr. - Email sessumsjr@gmail.com  Phone: 713-771-7226
June Annuity rate update:  3 yr 2.70%, 4 yr 3.15%, 5 yr 3.20%, 6 yr 3.65% 8 yr 3.75%! 
Guaranteed Premiums with Lifetime Benefits!
When it comes to LTC no one wants the "old" type!
So, show a "Lifetime" pool of funds to reimburse LTC/Extended Health Care expenses. 

Rates & Benefits are guaranteed for the life of the policy!  Premiums can be paid monthly draft, annually or
even on a single pay basis!

It's one of the best LTCi alternatives that I have ever seen.  Call me for a quote or more info 
​Bill Jr. @ 713-771-7226 or email me.
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Reward Your Clients for Healthy Lifestyles
The Fit underwriting program can help save your clients money--especially when you consider the total savings over their lifetime. Click the link above to learn about the characteristics that can help clients qualify for better rates.
Let us Quote on your Medicare Supplement case.
Our Extended Health Care/LTC marketing has led many to have discussions about Medicare Supplement. 
We are happy to announce that we can now provide you with quotes from top rated carriers!
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No Exam or Lab Work &
Still Preferred Plus!
It's true, up to $500,000 and to age 60 your clients can qualify for up to Preferred Plus NS for Term Life.  There's no catch. 

Truly competitive rates and WL to convert to in the future. No buts, ifs or maybes about it. NO exam or labs period.  Many times the premium is the same or very close to the full exam and lab term quotes! 
Email or call Bill Jr. for Details and Quotes!
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Marijuana Up to 3x per week "recreational*" usage can get Standard Plus NS Rates!  ​Same deal if using cigars, chew, dip, pipe, pill, patch etc for nicotine delivery but haven't smoked a cigarette in the last 12 months.  
​Contact Bill Jr with your case details for a quote.  This Carrier's rates won't be beat for these type of cases.
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*If using a THC product for a medical reason the underlying cause will most likely ​disqualify a case from the Std+NS rate class. 
Carriers that want your business and are priced right for your clients include:
  • Life insurance: American General, Am. National, Savings Bank Life, United of Omaha, Banner, Lincoln, Protective, PAC Life and Prudential.
  • A tremendous Long Term Care alternative: One America offers  Guaranteed Premiums and Lifetime benefits! 
  • Final Expense: Gerber, Oxford and United of Omaha! 
  • Critical Illness or Cancer or Heart Attack or Stroke or Disability, we do that too! 
Have a case? Let us help, it's what we do!
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Please Don't Walk Away from "Small" Life Cases!  Some families need help with final expenses and we/you have some of the Best Products in the market! 
Some people need/want or can only afford smaller, final expense policies.  You can write $5,000 up to $30,000 for ages 50 to 80. 
Click to email Bill Jr for details or a quote!


Quick Links

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Save $ when you need CE! Need to update your Continuing Education for LTC or Annuity sales? ​Contact Bill Jr for a FREE C.E. course voucher!