Reduce Your Financial Risk in 30 Days!

Life Insurance - You Don't Have to Die to Use!

Everyone knows someone who suffered a Critical or Chronic Illness and lived. Did their Life policy provide a cash benefit? The answer is always NO! Well, that is why Living Benefit Life is different.

How much better would their lives have been if they received a check for $100K, $250K or more?

Our unique Living Benefit Term and Indexed Universal Life policies will accelerate up to 100% of the face value (depending upon severity of illness) in case of:

1. Critical Illness (Cancer, Heart Attack, Stroke, Major Organ Transplant, etc.)

2. Chronic Illness (Inability to perform 2 of 6 Activities of Daily Living or Cognitive Impairment)

3. Terminal Illness (< 24 month Life Expectancy)

4. Death

One policy can provide income protection and the premiums are normally no higher than plans that only pay a Death benefit.

Funds can be used for any purpose, including: Medical Bills; Disability Income; Long Term Care; Mortgage Protection; Nursing/Home Healthcare; Household Expenses; Loan Payments; Childcare; College Funding; Travel; Final Expenses; Legacy Estate, etc.

Living Benefit Life Videos

Click Here or go to http://anallianceforlife.com/livingbenefits/video/

Please contact me for additional information.

Identity Theft Protection

Identity Theft is the #1 crime in the U.S. It is no longer a question of whether your information has been stolen, but when it will be used.

Organized crime and hackers have stolen over 115 million credit/debit card records from banks, insurance carriers, IRS, government agencies and major retailers in the past 12 months. That represents over 50% of the U.S. adult population.

And, the IRS has already paid out over $6.0 Billion in fraudulent tax refunds.The FBI warned retailers that the number of attacks was higher than previously thought and there is very little possibility of stopping future security breaches.

Click Here or go to www.wmorris20.legalshieldassociate.com for 24/7 Legal and/or Identity Theft protection before it is too late.

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Protect Your Income and Assets

Life Insurance - You Don't Have to Die to Use!

Everyone knows someone who suffered a Critical or Chronic Illness and lived. Did their Life policy pay them a benefit? The answer is always NO! Well, that is why Living Benefit Life is different.

How much better would their lives have been if they received a check for $100K, $250K or more?

Our unique Living Benefit Term and Indexed Universal Life policies will accelerate up to 90% of the face value (depending upon severity of illness) in case of:

1. Critical Illness (Cancer, Heart Attack, Stroke, Major Organ Transplant, etc.)

2. Chronic Illness (Inability to perform 2 of 6 Activities of Daily Living or Cognitive Impairment)

3. Terminal Illness (< 24 month Life Expectancy)

4. Death

One policy can provide income protection and the premiums are normally no higher than plans that only pay a Death benefit.

Funds can be used for any purpose, including: Medical Bills; Disability Income; Long Term Care; Mortgage Protection; Nursing/Home Healthcare; Household Expenses; Loan Payments; Childcare; College Funding; Travel; Final Expenses; Legacy Estate, etc.

Living Benefit Life Videos

Click Here or go to http://anallianceforlife.com/livingbenefits/video/

Please contact me for additional information or quotations.

Income Protection Plan

What would happen if you had an accident or critical illness?

We have a variety of low-cost plans that can provide financial protection in case of:

1. Accidents
2. Chronic Illness
3. Critical Illness (Cancer, Heart Attack, Stroke, etc.)
4. Disability
5. Emergency Room
6. Hospitalization
7. Surgery
8. Long Term Care
9. Terminal Illness
10. Death

Funds can be used for any purpose, including: Medical Bills; Disability Income; Long Term Care; Mortgage Protection; Nursing/Home Healthcare; Household or Business Expenses; Loans; Childcare; College Funding; Travel; Final Expenses; Legacy Estate, etc.

Please contact us for additional information to protect your income and assets.

Stock Market Rigged

The U.S. stock market is rigged in favor of high-frequency traders, stock exchanges and large Wall Street banks who have found a way to use computer-based speed trading to gain a decisive edge over everyone else, from the smallest retail investors to the biggest hedge funds, says Michael Lewis in a new blockbuster book, “Flash Boys.”

The insiders’ methods are legal but cost the rest of the market’s players tens of billions of dollars a year, according to Lewis, who spoke with Steve Kroft in his first interview about the book.

High-frequency traders have found ways to use their speed to gain an advantage that few understand, says Lewis. “They’re able to identify your desire to buy shares in Microsoft and buy them in front of you and sell them back to you at a higher price,” says Lewis. “The speed advantage that the faster traders have is milliseconds…fractions of milliseconds.”

Lewis says a former trader at the Royal Bank of Canada in New York, Brad Katsuyama, figured this out after he consistently failed to have his entire order filled at the price he wanted.

Click Here to watch the video report.

According to Wayne Morris, “We have been warning clients of this problem for the past 3 years. Our Indexed Annuities and Universal Life policies provide upside potential growth, but guarantee zero downside risk of loss.”

Is it time to get out of your 401(k) or Mutual Fund?

Shocking Video Reports on 401(k) and Mutual Fund Fees.

Guaranteed Lifetime Income (Video)

Are you tired of the Wall Street Roller Coaster and worrying about market losses?

Watch our Tax-Free Income for Life video.  The Safe Money alternative to 401(k), 403(b), CD, IRA, Mutual Funds and Stocks.

1. Zero Risk of Loss
2. Upside Growth
3. Cash Value
4. Tax-Free Distributions
5. Guaranteed Lifetime Income

Click Here or go to:
http://www.iflretirement.com/USA-Insurance-Brokers

Are you tired of the Wall Street Roller Coaster?

Is it time to retire your 401(k), 403(b), CD, IRA or Mutual Fund?

Our Safe Money Alternatives can provide:

* 3%-4% Fixed Interest

* Upside Growth based on S&P 500, Nasdaq and/or EuroStoxx

* Zero Downside Risk of Loss

* Accelerated Benefits in case of Critical, Chronic or Terminal Illness
* Cash Value
* College Funding
* Death Benefit
* Disability Income Protection
* Final Expenses or Funeral Trust
* Legacy Estate

* Long Term Care Funding
* Mortgage Protection
* Policy Loans
* Tax-Free Lifetime Retirement Income

Click Here to watch the Tax-Free Income for Life video or go to: 

http://www.iflretirement.com/USA-Insurance-Brokers

According to numerous reports from 60 Minutes, Employee Benefit Research Institute, NBC, PBS Frontline, Time, Wall Street Journal and many others, most 401(k) and Tax-Deferred plans run out of money in 7-8 years, due to fees and taxes.

FrontLine Video

60 Minutes Video

Contact us @ 1-800-591-3920 or USAInsurance@cox.net to compare your options and protect your assets.

Income Protection Plan

What would happen to your family if you or your spouse had a serious illness or premature death?

Traditional Life policies only pay a Death benefit to your beneficiaries, but no benefits if you survive.  

Our unique Living Benefit Life policies can accelerate up to 90% of of the face value in case of Critical Illness (i.e. Cancer, Heart Attack, Major Organ Transplant, Stroke, etc.); Chronic Illness; Cognitive Impairment; Disability; Terminal Illness; or Death.

Accelerated funds can be used for any purpose, including: household expenses, long term care, medical bills, mortgage protection, college funding, tax-free retirement income, travel, final expenses, legacy estate, etc.

Life Insurance - You do not have to Die to use! 

Watch Video Testimonials

Contact us @ 1-800-591-3920 or USAInsurance@cox.net to additional information.

Shocking 401(k) Tax Trap Reports

Is it time to retire your 401(k), IRA or Mutual Fund?

According to numerous reports from 60 Minutes, Employee Benefit Research Institute, NBC, PBS Frontline, Time, Wall Street Journal and many others, most 401(k) and other Tax-Deferred plans run out of money in 7-8 years, due to fees and taxes.

If you believe taxes will increase in the future like most Americans and financial experts – why save funds pre-tax?  One of the only valid reasons is to receive employer matching contributions.  And, even then it may not make sense.

Click Here or go to http://www.iflretirement.com/USA-Insurance-Brokers to watch the Income for Life video.

Investigative Reports:

FrontLine Video

401(k) Videos

60 Minutes Video

401(k) Tax Trap

Are you tired of losing money in the market?

There are over 65 Million people in the USA putting money into tax traps like a 401(k) every day.

If you believe taxes will increase in the future like most Americans and financial experts – why save funds pre-tax?

One of the only valid reasons is to receive a employer matching contributions. Any savings above the employer match should be in an after-tax account, such as Indexed Universal Life Insurance or Lifetime Income Annuity.  In most cases, you will receive a huge increase in net worth, plus 200%-300% more spending money in retirement.

 

* Guaranteed 3%-4% Fixed Interest

* Upside Market Gains (S&P 500, Nasdaq, DJIA, EuroStoxx, etc.)

* Zero Downside Risk of Loss

* Guaranteed Lifetime Income

* Accelerated Benefits in case of Critical, Chronic or Terminal Illness

* Long Term Care Funding

* Tax-Free Death Benefit 

Contact us @ 1-800-591-3920 or USAInsurance@cox.net to compare your options and protect your assets.

95% of Disabilities Not Covered by Workers Comp

Only 5% of Disabilities are due to work related Accidents or Illnesses and covered by Workers Compensation, according to the Council for Disability Awareness.

And, 97% of Social Security Disability recipients receive less than $2,000 per month, which can take 6-12 months for approval.

How would you pay your monthly expenses or offset the loss of income? 

Contact us @ 1-800-591-3920 or USAInsurance@cox.net for low-cost protection.

10 of Top 20 Carriers Exit Long Term Care Market

Do you need Long Term Care coverage?

Do you already have a policy?  Are you sure?

You should expect higher costs and a much more difficult approval process as a growing number of household-name insurers stopped selling LTC policies.

According to Limra International, 10 of the Top 20 insurers have exited the market, including: Guardian Life; Hartford; MetLife; Penn Treaty; Prudential; and Unum Group.  In July 2012, Genworth Financial and TransAmerica also suspended further sales, until new plans and rates are approved.

Other LTC carriers have increased premiums up to 40%, due to increased life expectancy, higher utilization and reduced investment return rates.

Contact us for information on plans with guaranteed level premiums and increased financial protection.

100% Coverage for Preventive Care

Does your Health Insurance policy cover 100% of Preventive Care (Routine Physicals, Mammogram, Pap Smear, PSA, Colorectal Screening, Child Wellness, Immunizations, etc.) with no Co-pay or Deductible?

All new Major Medical policies are required to cover these services and many more at no cost.

Contact us @ 1-800-591-3920 or USAInsurance@cox.net to compare your best options.

Hybrid Policies Increase Financial Protection

New Hybrid Annuities and Living Benefit Life policies, include financial protection in case of Accidents, Critical Illness, Chronic Illness, Cognitive Impairment, Disability, Long Term Care and/or Terminal Illness.

Hybrid policies improve coverage and are significantly less expensive than individual plans. In addition, many of the policies provide a Guaranteed Lifetime Income.

Please contact us @ 1-800-591-3920 or USAInsurance@cox.net for additional information.

Individual vs. Employer Group Coverage

Do you understand the differences between Individual and Group coverage?

Click Link for a list of the advantages and disadvantages of Individual vs. Employer Group coverage or go to http://www.usainsurancebrokers.com/Individual-vs-Group.pdf

Living Benefit Life Videos

Do you have adequate coverage to protect your family, home and assets?

Click Link for video and testimonials or go to http://www.youtube.com/user/USAInsurance

Our unique "Living Benefit" Life policies accelerate up to 100% of the face value in case of Critical Illness (Heart Attack, Stroke, Cancer, etc.); Chronic Illness; Cognitive Impairment; Terminal Illness; or Death.

One policy can provide low-cost financial protection to cover: Medical Bills; Disability Income; Long Term Care; Nursing/Home Healthcare; Mortgage Protection; Household Expenses; Childcare; College Funding; Travel; Final Expenses, etc.

Premiums are no higher than policies that only pay a Death benefit and significantly lower than Critical Illness, Disability and Long Term Care plans.  Please contact us for quotations.

Free Annual Review

We specialize in showing Individuals, Self-Employed, Small Business and Employer Groups proven strategies to a) improve coverage, b) increase financial protection and c) reduce premiums 30% to 70%.

Please contact us if you know anyone that we may be able to assist @ 1-800-591-3920 or USAInsurance@cox.net.

Are you unable to afford or qualify for Health Insurance?

We have several low-cost guaranteed issue plans that can protect you in case of Accidents, Critical Illness, Disability, Terminal Illness or Death.

Top 3 Strategies to Reduce Insurance Premiums

Special Report

Click link for our latest report on the Top 3 Strategies to Reduce Insurance Premiums 30% to 70%.

http://www.usainsurancebrokers.com/SpecialReport.pdf