Quick Links
​

e-Applications
Annuity Quotes
Life Ins Quotes
Welcome to Insurance Perspectives
We help you find the right Life, Annuity, Long Term Care, Short Term Care, Cancer, Heart,
Dental, Vision and even Travel insurance products for your clients. 

What Term duration do your clients really need? Help them escape "term in a box"! 

10 years? 15, 20, 25, 30, 35, 40, to age 65, 70, 75, 80, 85, 90, 95, 100, 105, 110, 121 or beyond?
Based on your client's age, we have that. 
​"Term" is simply how long the premium and face amount are GUARANTEED to remain the same." 
RISK being different, by offering to customize your client's life insurance to best fit their needs.
Check out the top two Fixed / Guaranteed Annuity rates
6% for 10 years or 5.9% for 5 years! 
These are NOT indexed or GLWB products, SIMPLY CD ALTERNATIVES!
Contact Bill for information and discuss if one of these may be suitable for one of your clients. 
Did you know we have 3 different types of Extended Health Care "LTC" products for your clients?
  • A policy with lifetime benefits and Guaranteed Premiums for the life of the policy.  Featuring a death benefit paid minus claims which assures clients their money is not wasted!  This is the most comprehensive and guaranteed product in the market.
  • Short term Nursing Home.  1 year benefit period, simple app, easy u/w guidelines.  TWO carriers to choose from or have one with each.
  • Short term Home Health Care. 1 year benefit period, very simple app and quick approval, most preexisting conditions ok for approval and covered after 6 months in force!  TWO carriers to choose from or have both.
The cost of LTC should be a concern to just about every one of your clients for themselves or their parents.  You just may have an insurance option for almost all of them up to age 80! Contact Bill to review options and which, if any, your client may qualify for.  
A Fixed Annuity may be the right product for your clients and it's not just for the rate: Click here to see why
Be be cautious/skeptical of rates you see advertised from other brokers that look too good to be true.  Many high rate products being advertised have "hidden gotchas" that could put you and your clients in financial jeopardy.  Call Bill to talk about what to look for so that you can be sure you are making suitable recommendations to your clients.
Interest rates are very volatile right now so I am only listing durations below.  Please call us or log into our annuity quotes for rates.
  • *1 year - Non Qualified Min $10K, Qualified Min $5K.
  • *2 years - NQ & Q $80K minimum- VERY fast app to issue!  Or NQ $10K minimum or $5K Q funds with a different company.
  • *3 years - starting at just $10K
  • *4 years -$80K minimum - VERY fast app to issue!
  • ​*5 years - starting at just 10K
  • *6 years ($20K minimum) 
  • *7, 8, 9 and 10 years.
* Premium rate bands may increase or decrease rates, issue age and resident state may limit availability.
Stay up to date on rates by ​using our Annuity Quote Engine!  Has it been a while since you wrote a fixed annuity?  Call Bill to get up to speed or for sales help.
Short Term Home Health Care is a Simple, Affordable and Valuable 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 details about these products & how they have helped many clients get some financial help with claims!
Before you or a client go to the Dentist, take a look at our new dental coverage. Dental insurance is available to individuals and it really works!
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 of Dentists!  
Don't leave home without it!  When you leave the U.S.A. your health coverage may leave you!  
I was shocked to find out how little, if any, health insurance benefits existed when traveling abroad.  We now offer GeoBlue for you to help your clients traveling short or long term out of the Country!  Easy for you to get contracted, 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!
Have you taken the time to reach back out to your "other than preferred" clients? 
Some people actually get healthier after underwriting and if not, maybe they should convert some of that term life insurance that you sold them. But you won't know if you don't ask.
  • Once your "healthy" client has been nicotine free for 12 months they can cut their rates in about half!
  • Some clients take underwriting to "heart" and get cholesterol under control and some even lose weight!  
It might be a great idea to follow up with clients to see if the policy you placed is still "good" or if a new one would be better.
Are there people out there who are just impossible to insure?
​Not if he/she is 50 to 80 years old and can pay the premium. 
​We have multiple carriers that when combined can add up to almost $100,000!  ​Visit our Final Expense page​ ​for more details.

Long term care insurance, for better or worse?

Picture
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.
​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 us.