Short Term vs. Long Term Care Costs

Click Here to Watch Video

Contact us @ 1-800-591-3920 or USAInsurance@cox.net for details or quotations.

Increase Your Social Security Benefits

When Should You Claim Your Social Security Retirement Benefits?

One of the most important financial decisions you will ever make is when to begin your Social Security retirement income.

Our new software provides a detailed report that shows the difference between starting benefits at age 62, 66 or 70 and how to maximize your income.

Please contact me for your Free Report!

New Living Benefit Life Video

Click Here to view the video on the benefits of Living Benefit Life policies that can accelerate up to 90% of the death benefit in case of Chronic, Critical or Terminal Illness.

Funds can be used for any purpose, such as: 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.

2 Tips to Reduce Financial Risk

There are 2 great ways to reduce or fully eliminate your financial risk in case of Accidents or Illness.

Option 1: ACA/Metal Gap Supplemental Benefits

Our Metal Gap Supplemental Benefit plans pay up to $6,350 in case of Accidents and $7,500 for Critical Illness (Cancer, Heart Attack, Stroke, etc.). These low-cost plans can fully offset your deductible and co-insurance in most cases.

Optional Benefits: 24/7 TeleDoc, Hospital and Dental

Instant Quotes

Option 2: Revolutionary 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! And, 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 after developing a serious illness?

Our unique Living Benefit Term (10-30 Years) and Indexed Universal Life (to Age 120) policies are available from 6 insurance carriers. And, the premiums are normally no higher than plans that only pay a Death benefit.

These policies can accelerate up to 100% of the face value (depending upon severity of illness) in case of:

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

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

Terminal Illness

Death

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

Watch Video Testimonials

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.

No One Ever Told Me!

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

Do you have the old type or new type of insurance?

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! And, 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 after developing a serious illness?

Our unique Living Benefit Term (10-30 Years) and Indexed Universal Life (to Age 120) policies are available from 6 insurance carriers. And, the premiums are normally no higher than plans that only pay a Death benefit.

These policies can 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

4. Death

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

Website Link: www.usainsurancebrokers.com

60 Minutes - Tax Refund Scam

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

Click Here for Legal & Identity Theft Protection. 

Tips to Reduce Your Financial Risk

Click Here to View 2 Great Options to Reduce Your Financial Risk.

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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Living Benefit Life Advantages vs. Your Policy

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 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 or Disability (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.

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.

Instant Life Quotes

Click the following link to instantly compare the lowest Term and Universal Life rates from 50 Top-Rated Carriers.

Get Quotes Now

Our Health History Analyzer automatically determines the lowest premiums, best carriers and rate class.

Living Benefit Life

Contact us directly for Living Benefit Life quotations that accelerate funds in case of Critical Illness (Cancer, Heart Attack, Stroke, etc.); Chronic Illness; Disability; Terminal Illness; or Death.

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.

Videos

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

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.

Identity Theft Skyrocketing

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 110 million credit/debit card records from banks and major retailers in the past 12 months. That represents over 50% of the U.S. adult population.

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.

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

What if you cannot afford Health Insurance?

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

• Accidents
• Critical Illness (Cancer, Heart Attack, Stroke, etc.)
• Chronic Illness
• Disability
• Emergency Room
• Hospitalization 
• Long Term Care
• Terminal Illness
• Death

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

Lowest Health & Life Premiums Guaranteed!

Instantly compare rates from 50 top-rated carriers.

Health Insurance Quotes

Life Insurance Quotes

Contact us @ 1-800-591-3920 or USAInsurance@cox.net with questions or to find the best coverage to match your requirements.

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.

New Medicare Supplements

Are you confused about Medicare Supplement options?  We make it simple!

New Medicare Supplements are available that reduce costs and cover 100% of Preventive Care, including: Routine Physicals, Mammogram, Pap Smear, PSA, Bone Density, Colorectal Screening, Immunizations, etc.

Contact us @ 1-800-591-3920 or USAInsurance@cox.net for details or quotations.

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.

Are You 1 Accident or Illness from Bankruptcy?

Over 80% of Americans are one Accident or Illness away from Bankruptcy, according to recent studies.  Are you protected?

We have a variety of low-cost plans that provide financial protection in case of Accidents, Critical Illness (Cancer, Heart Attack, Stroke, etc.), Chronic Illness, Disability, Final Expenses, Long Term Care, Terminal Illness or Death.

Contact us @ 1-800-591-3920 or USAInsuranceBrokers@gmail.com for additional information.

Do you have a Living Will and Medical Directive?

Over 70% of Americans die without a Will leaving a legal and financial nightmare, according to the American Bar Association.

Contact us @ 1-800-591-3920 for state approved Living Will, Medical Directive and Power of Attorney forms at no cost.

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

Instant Term Life Quote Website

Click the following link to instantly compare rates from 40 Top-Rated Carriers.

Get Quotes Now

This site allows you to enter pre-existing medical conditions to determine the best rates and carriers.

Note: Quotations do not include our Revolutionary "Living Benefit" Life policies, which accelerate up to 100% of the face value in case of Critical Illness (Heart Attack, Stroke, Cancer, etc.); Chronic Illness; Cognitive Impairment; Disability; Terminal Illness; or Death.  Call for quotations.

Contact us @ 1-800-591-3920 or E-mail: USAInsuranceBrokers@gmail.com for additional information.

Are You Worried About Outliving Your Savings?

Increasing longevity and decreasing job security means the average American will spend 20-30 years in Retirement.  In fact, recent studies indicate that running out of money has replaced death as the #1 concern for most individuals.  Are you prepared?

Do you have funds in a 401K, CD, IRA, Money Market, Mutual Fund or Savings Account with low or no returns?

We have a variety of plans that offer the following advantages: 

• 5%-10% Bonus on Deposits
• 5%-8% Annual Interest
• Upside Market Gains
• Zero Downside Risk
• Guaranteed Lifetime Income

Please contact us @ 1-800-591-3920 or USAInsuranceBrokers@gmail.com for information on strategies to protect your assets.

Disability Income Protection

Stop and think. How long could you sustain your present lifestyle if your paycheck stopped? If you are like most Americans, the answer is probably 1-2 months.

So why haven't you secured your income?  Most Americans insure their homes, cars and death, but forget to insure their income.  Yet, without a paycheck, you may be unable to pay your mortgage, car payments, loans, utilities and other living expenses.

Did you know...

1. One in eight people suffer disability each year.
2. Disability is the leading cause of personal bankruptcy and foreclosure.
3. Over 8o% of all Hospital and ER bills are due to Accidents or Critical Illness (Cancer, Heart Attack, Stroke, etc).

Don’t make the most common and critical mistake in financial planning!  Now that you know the facts, can you afford to go without DI protection?

We have a variety of low-cost plans that can provide financial protection in case of Disability, Critical or Chronic Illness, Long Term Care or Terminal Illness.  Plans can also be designed to cover Business Overhead Expenses.

Contact us @ 1-800-591-3920 or E-mail USAInsuranceBrokers@gmail.com for details or quotations.

Tax-Free Health Insurance Reduces Costs

The IRS can help reduce costs for Health, Life and Long Term Care Insurance premiums for Employers and Employees.

This year, many companies are increasing employee contributions for (or even dropping) group insurance coverage, forcing employees to pay up to 100% of their costs on the individual market.

Companies can set up a new program where the premium payments employees' make for insurance are paid on a pre-tax basis.  This saves employers and employees up to a combined 50% in taxes on employee Health Insurance payments. 

It works like a 401(k) or flexible spending account where what you pay for health insurance does not count as income on your W-2.  Employees can also write-off and/or reduce the cost for Life and Long Term Care coverage.  All companies should offer this benefit program because it saves money for the company and employees.

Contact us @ 1-800-591-3920 for additional information.

Guaranteed Lifetime Income

Annuities are the only products that can Guarantee a Lifetime Income. We represent plans from over 40 top-rated carriers and many are now offering a 5% to 10% Bonus on all deposits, plus a) Guaranteed Lifetime Income and b) significantly higher interest rates than CD's, IRA's, Money Market or Mutual Funds.

Fixed Indexed Annuities provide upside market potential with Zero Downside Risk, so you can never lose your principal or accumulated gains. This can significantly increase your retirement income. In fact, several of our clients received 8% to 10% gains in 2010.

Contact us @ 1-800-591-3920 for proposals.

Critical Illness & Disability Income Protection

Over 70% of working Americans would be in financial trouble within 1 month if they lost their paycheck, according to a new study from the Life and Health Insurance Foundation.

We have several low-cost plans that can provide comprehensive financial protection to cover medical bills, mortgage, car payments, household expenses, credit card/loan payments, long term care or any other purpose.

Please contact us @ 1-800-591-3920 or USAInsuranceBrokers@gmail.com for details.

IRS Regulations Reduce Medical Premiums 15.3% to 35%

IRS regulations and tax credits now allow Individuals, Families and Self-Employed Individuals to reduce Major Medical, Dental and Vision expenses 15.3% to 35% without changing current policies.

Contact us @ 1-800-591-3920 for details.

Low-Cost Financial Protection Plan

Do you have adequate coverage to protect your family, home and assets in case of Critical or Chronic Illness; Disability; Long Term Care; Terminal Illness; or Death?

What would happen if you had a serious accident or illness and could not work for 3-6 months or longer? Would your family lose their home, assets and savings?

Revolutionary Life provides a low-cost solution that pays up to 100% of the face value as Accelerated Living Benefits. Funds can be used for any purpose, including: Medical Bills; Long Term Care; Lost Income; Mortgage Protection; Household Expenses; College Funding; Travel; Final Expenses, etc.

Premiums are normally no higher than plans that only pay a Death benefit and significantly less expensive than standalone Critical Illness, Disability and Long Term Care policies.

Contact us @ 1-800-591-3920 for additional information

Increase Income and Reduce Taxes!

Do you know anyone that wants to increase their income?

We have several great opportunities.  Contact us for details.

2011 Healthcare Reform Regulations

Effective January 1^st, all new Health Insurance policies will be required to provide the following benefits:

1. Elimination of Annual and Lifetime coverage limits for essential benefits.
2. Preventive Care, including Routine Physical Exams, Mammograms, Pap Smear, PSA, Colorectal Screenings and Immunizations must be covered at 100% with no Co-pay or Co-insurance.
3. Adult Children can be covered under a parents policy to Age 26, if they are not offered coverage through their employer.
4. Over-the-counter Rx are no longer deductible from HSA or FSA accounts, unless prescribed by a Doctor.
5. Medicare beneficiaries will receive a 50% discount on brand name Rx in the Donut Hole gap.

Click Here for a complete list of changes.

Small Business Tax Credits

Does your Small Business have less than 25 employees with average annual wages under $50,000? If so, you may be eligible for a tax credit of up to $35,000. Click link for details.

Advantages of Individual Insurance for Employees

Employees should consider Individual coverage vs. Employer Group plans, due to the following reasons:

1. Individual Health & Life coverage is normally 50%-70% less expensive than Group plans. Employee costs may be higher or lower, depending upon the portion paid by the Employer.

2. Individual coverage for dependents is always far less expensive than group premiums.

3. Individual plans are portable from Job-to-Job or State-to-State.

4. Pre-existing conditions can cause you to be declined by Individual Carriers.

5. Plans can be designed to match your desired coverage benefits vs. a choice of 1-2 carriers

6. Eliminates need to pay high COBRA premium, if you are eligible.

7. If you are also self-employed, you can write-off 100% of premiums and out-of-pocket expenses for Medical, Dental, Vision, Rx, etc.

8. Employers can now establish a Section 105 HRA to pay up to 100% of premiums for Employees.

What is the best and safest Retirement Plan?

What do experts agree is the best and safest Retirement Investment Plan?

Indexed Universal Life Insurance (IUL) is a Tax Free investment that puts the owner in control of their retirement and not Uncle Sam!

It’s perfect for individuals and business owners and has more “living benefits” than the actual death benefit that is included with the investment. These policies are not classified as “Qualified Plans” by the IRS, so they are the perfect investment to save for retirement. An IUL is a permanent cash-value life insurance product that is designed to outperform Whole Life, Universal Life and Variable Life without the catastrophic downside risk.  In fact, zero downside risk! 

Universal Life is considered to be the best possible vehicle for Tax-Free Retirement Savings, College Funding, Financial Protection and Retirement Savings.

The Tax-Free Income derived from the IUL policy can be far greater than the after tax income from a 401-K, 403-B, Certificates of Deposit, Annuities, Stocks, Bonds or an IRA.

IUL policies provide the following advantages:

* Cash Value
* Flexible Premiums
* Guaranteed to Age 120
* Interest based on 140% of S&P 500 (Ex. 5% Actual = 7% Gain)
* Minimum 2% Fixed Interest Rate
* Policy Loans
* Tax-Free Retirement Benefits
* Upside Gains with Zero Downside Risk

In addition, one of our plans pays up to 75% of the face value in case of Critical Illness, Chronic Illness, Disability, Long Term Care or Terminal Illness at no additional charge.

Reduce Taxes $3,500 to $5,000 Per Year

Would you like to write-off 100% of your Medical & Dental Insurance Premiums, plus out-of-pocket expenses?  We can show you how!  

Revised IRS Section 105 HRA regulations can reduces taxes $3,500 to $5,000 per year for most clients.

Eligible expenses include: Medical, Medicare, Dental & Vision Insurance Premiums; Deductible; Co-pays; Co-insurance; Prescription Drugs; OTC Rx Medication; Eye Exams, Glasses, Contacts; Disability/Long Term Care Insurance; Term Life; Alternative Care; Chiropractic; Massage Therapy; Preventive Care; Smoking Cessation; Weight Loss; and most other out-of-pocket expenses. Click Here for complete list.

Earn 4.0% Tax Deferred Interest Guaranteed!

Our new Wealth Builder Life policy provides the opportunity to:

1. Receive 100% Return of Premiums, plus interest @ Age 65 in most cases
2. Guaranteed 4.0% Minimum Interest
3. Tax Deferred Interest for Life
4. 10% 1st Year Annual Growth Rate
5. Critical Illness / Disability Benefit Pays 50% of Face Value
6. $50 Minimum - $100 Maximum Monthly Premium
7. Up to $20,000 Lump-Sum Deposits without Approval
8. Unrestricted 3-Day Access to Funds
9. No Load or Commissions
10. No Penalty or Surrender Fees