Quick Links
​

Life Ins Quotes
Annuity Quotes
e-Applications
Final Expense
Agent Resources
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 quick links or drop down menus for specific areas of interest.
Fixed Annuity rates are up AGAIN and all these are with carriers rated A- or better with A.M. Best.
  • 2 years 3.50% (min premium $80K) interest withdraws up to 10% starting in year 2
  • 3 years 3.70% (min premium $80K) interest withdraws up to 10% starting in year 2
  • 3 years 3.65% (min premium $5K) withdraws up to 10% starting in 30 days!
  • 3 years 3.65% (min premium $10K) interest withdraws starting in 30 days!
  • 4 years 4.10% (min premium $80K) interest withdraws up to 10% starting in year 2
  • 4 years 3.75% (min premium $10K) interest withdraws starting in 30 days!
  • 5 years 4.10% (min premium $80K) interest withdraws up to 10% starting in year 2
  • 5 years 4.05% (min premium $10K) interest withdraws starting in 30 days!
Rates are changing quickly! Stay up to date by using our ​Annuity Quote Engine

Some People Actually Get Healthier After Underwriting, Have You Asked?

  • 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!  
Have you followed up with clients to see if the policy you placed is still "good" or if something new would be suitable for them?
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.
Short Term Home Health Care is a Simple, 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 to top it off, very affordable premiums!
Please contact Bill for specific details about this product line has helped many of our agent's clients!

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.
Picture
Please review your book of business and identify those with Met Life (now Brighthouse), ING (now VOYA) and or Genworth/First Colony (now Genworth) and discuss current and future needs with your clients.  Is their current term, UL or WL still appropriate or is a change suitable?

Some carriers have undergone operational and service changes that have made it very challenging to provide policy service and more specifically to get conversions that your clients may need in the future.
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.