This Page has Tips, Hot Topics and Generally Things to Know to Help Your Business!


  • There are differences when it comes to Term and UL carriers beyond the price.  Go beyond "cheap" and find out more more about "value". Please set aside 5 to 10 minutes and let's talk.  It will save you and your clients time and $'s.
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  • Time for an LTC refresher? ​Take a quick review then let's discuss extended health care insurance for your clients & prospects. No apologies when using our #1 product.

  • If you write an app with American National to be paid via bank draft you must submit a fully completed and signed eft form with the app or no policy will be issued! 
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  • Very Important: Personal policy premiums should be paid from personal accounts & business owned policies should be paid from business accounts.  Carriers are cracking down on premium payments being made by "non interested" parties and unless a business is the policy owner or listed as premium payer, checks are being rejected and agents are having to go back for new payment information.  Nobody wants to be that Agent! (-; ​​

  • Seller Beware! With term rates continuing to battle for "first place" I have been seeing some new term plans that are restricting conversion periods and or significant conversion product limitations for clients.  Some carriers won't even send out a paper policy anymore for the cheap term rates!  Please be aware of what you are selling and how it may impact your clients in the future.  If you are not sure,ask us.  It's what we do. 

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  • Gerber Life Insurance:  Texas will no longer allow appointment backdating.  Texas will be considered a pre-appointment state effective June 1, 2019.  Agents submitting business in Texas must be appointed with Gerber Life in advance.  This applies to all guaranteed issue and simplified life, grow up plan and college funding plans.