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Today's Special

Before your client buys the "cheap" term;
Much as been said about planning ahead and living benefits on Term and UL policies but how much "selling" have you done regarding a client's option to access some of their death benefit before passing away?  Have you really taken a look? Do you really understand how living benefits work?  Do your clients know that two A rated insurance carriers feature these benefits on term life policies?  

For nearly the same premium your client can have a term life policy that may allow them to use some of their death benefit while living.  Chronic, Critical or Terminal Illness and age at the time of diagnosis impacts how much is available, but isn't something being available better than not?  

Let Bill Jr. help you get up to date when you can so your clients can make informed buying decisions.

May Special!

6 year guaranteed rate annuity paying 3.75% interest every year to your client. 
Minimum premium is only $20,000 and interest distribution without penalty! 
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.
Help Your Clients put "Lazy" $ Back to Work!
​Lazy money = savings that are barely earning any interest in a CD or Money Market account! 
How many of your clients would love a higher return on their savings? 

​Multi year annuity Rates as of 5/1/2018
Interest Rate guaranteed for the full period.
​3-Year 2.75%, 4-Year 3.25%, 5-year 3.30%, 
6-year 3.75%, ​8-year 3.85%, 
Minimum premium is only $20,000.
Email Sessumsjr@gmail.com for products specs.
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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!
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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.


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!