Welcome to Insurance Perspectives
We are here to help you with life, extended health care (LTC) and fixed annuity products.
For fast navigation, use the drop downs for specific areas of interest.
BREAKING News: As of 12/8/22, 6.15% simple interest guaranteed for a full 5 years! Yield equivalent of 5.51% compound!
YOUR CD owners will approve of this rate! Beginning in year two up to 10% free contractual withdrawals.
Here are our top rates with all Carriers shown rated A- or better with A.M. Best!
Has it been a while since you worked with fixed rate annuities? If so, ask Bill about direct agent/client meeting and sales assistance.
And you can always stay up to date on rates by Just clicking here for the Annuity Quote Engine!
Have clients who have not set up a Will yet? We now have a carrier that provides the tremendous benefit of a policy owner being able to create a state specific and personal Last Will and Testament and other legal documents just by being a policy owner! This could be a game changer not only for your younger clients but even those who are a bit older and just haven't taken care of this very important detail.
Contact Bill at 713-771-7226 or email firstname.lastname@example.org to find out more and how to start offering this very important benefit!
YES, dental insurance is available and it works! Ask me about our new dental plans! Yes, seriously, it is worth your time to find out how easy it is to write a very good dental plan for your clients! Next day benefits that will make a difference in the cost of dental care from simple cleanings to major dental work. Huge Nationwide Network!
Did you know that ACA health coverage offers little or no out of Country benefits? I didn't!
Now we have GeoBlue available for you to help your clients traveling short or long term out of the Country! Easy to contract, easy to write and a valuable addition to your insurance products portfolio. Call Bill to discuss and to get set up with your own client facing URL and start selling!
The only "silly" insurance is the type your client doesn't have when they need it!
Short Term Home Health Care is a Simple and Affordable Option for Many Clients
Features include: Benefits paid directly to policy owner, No waiting period for prescription drug benefit claims, No pre-existing condition exclusions after 6 months, A quick and easy app with No exam or labs And most of all, Very affordable premiums!
Please contact Bill for specific details about this product line and how it has helped many of our agent's clients!
Some People Actually Get Healthier After Underwriting, Have You Asked?
Are there people out there who are just impossible to insure? Not if he/she is 50 to 80 years old.
We have multiple carriers that when combined can add up to almost $100,000! Visit our Final Expense page for more details.
Please note, you now need to be contracted before writing business with many carriers.
It is becoming more and more necessary to be appointed and have carrier website access before writing business.
In Texas and many other states it is actually now required by Transamerica, Columbus Life, Gerber and Integrity as well as carriers who only offer online applications such as Great Western, Aspida and Oxford that you have an active appointment before you can write a case.
PLEASE do not write an application or drop ticket before you are actively contracted with a carrier unless you have discussed with Bill.
Long term care insurance, for better or worse?
In 1997, “Tax Qualified" long term care insurance policies became available providing potential tax deductions or tax credits for premiums and income tax free benefits. Very quickly, this type of policy became the only type being sold. Unfortunately, along with the possible tax benefits, premium rate increases also became reality. While many policy owners have been benefited from the tax advantages, every single carrier that I know of has had a rate increase of some amount on some of their in-force policies.
Do you remember why you stopped showing long term care products to your clients? Click here for the number one reason that agents tell me they stopped selling long term care and let me show you what has changed.
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.