S&P 500 vs Indexed Universal Life

The following chart shows the historical performance of the S&P 500 vs an Indexed Universal Life Policy with a 12% Annual Cap and Zero Downside Risk.

In addition, some Indexed UL policies include Accelerated Living Benefits that can advance up to 90% of the death benefit in case of Critical, Chronic or Terminal Illness. The advanced funds are tax-free and can be used for any purpose, such as Medical Deductible, Household Expenses, Monthly Bills, Mortgage Payments, Long-Term Care, Lost Income, Retirement Income, Travel, etc.

Medical Bankruptcy Epidemic

High Deductibles and Out-of-Pocket Risk are causing an increase in bankruptcy filings.

Nationwide PPO Health Insurance Can Reduce Premiums Up To 50%

https://www.usainsurancebrokers.com/aca-alternative

Accident and Critical Illness Protection

We have a variety of low-cost policies that provide cash benefits in case of:

1. Accidents
2. Chronic Illness or Disability
3. Critical Illness (Cancer, Heart Attack, Stroke, etc.)
4. Terminal Illness
5. Death

The Tax-Free funds can be used to cover deductibles, household expenses, lost income, medical bills, mortgage payments, travel or any other purpose.

Click Here to Watch Video

Medical Identity Theft

Medical services-related identity theft was up 40% last year. That's not surprising when you think about all the organizations that have our personal health information.

You do what you can to stay healthy.

 

Identity Theft is the #1 complaint with the Federal Trade Commission. And, virtually all Banks, Credit Cards, Hospitals, Retailers and other companies have been attacked and your information has been stolen.

 

How safe is your PHI? Are you at risk for medical identity theft? Would you recognize the symptoms?

 

Click Here to get Identity Theft Protection or go to  

www.wmorris20.legalshieldassociate.com

 

Low-Cost Financial Protection

In addition to a death benefit, the Accelerated Living Benefits riders can advance up to 90% of the face value (depending upon the severity) in case of Chronic, Critical or Terminal Illness.

Funds can be used for any purpose, such as Lost Income, Long Term Care, Home Healthcare, Living Expenses, Medical Bills, Mortgage Payments, Travel, College Funding, etc.

Click Here to Watch Video

Assisted Living & Long Term Care Costs Increase

The latest 2017 report shows that Assisted Living, Home Health and Long Term Care costs continue to increase as shown below.

And, out-of-pocket medical expenses for seniors are averaging over $240K per person, not including Long-Term Care.

Please contact me @ (623) 688-2411 or Wayne@USAInsuranceBrokers.com for information on options to offset your out-of-pocket risk.

New Medicare Supplements

Several carriers introduced new Medicare Supplements on July 1st with lower premiums. Please contact me for quotations.

Safe Certificate of Deposit Alternatives

Why are Fixed Index Annuities and Universal Life Insurance better than CD's, Mutual Funds or a 401(k)?

Click Here to Watch Video or go to https://financialsecurity.video/8103/73

Reduce Your Financial Risk

Do you worry about your financial risk in case of Critical, Chronic or Terminal Illness?

Our unique Living Benefit Life policies can provide funds to eliminate your financial concerns.

Watch Video

In addition to a Death Benefit, our policies include 3 no cost riders that can accelerate up to 100% of the face value (depending upon severity of illness) in case of:

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

2. Chronic Illness or Disability

3. Terminal Illness

Accelerated funds can be used for any purpose, including: Medical Deductible & Co-insurance, College Funding, Disability Income, Household Expenses, Long Term Care, Mortgage, Tax-Free Retirement Income, Travel, etc.

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

Reduce Health Insurance Premiums 50% or More!

ALTERNATIVES

We have several Major Medical alternatives to ACA/Obamacare plans that can reduce premiums 50% or more, if you do not have serious medical conditions.

ACA/Obamacare is imploding and premiums are increasing 54% to 122% in January, And, there are only 1 or 2 carriers available in most counties with limited HMO networks. In fact, most Individual Health Insurance policies issued since March 27, 2010 is being terminated effective December 31, 2016.

Click Here for additional information and quotations.

Please contact me if you want advice to determine your best options.

2 Guaranteed Lifetime Income Options

Click Here to View

10-Minute Rapid Issue Term Life

New Rapid Term Life Benefits:

• 10-Minute Approval for Most Cases
• Lowest Premiums Guaranteed
• $50K to $1.0 Million Face Value
• 10-30 Year Level Premiums
• Simplified Issue (Ages 18-65)
• Online Applications
• A Rated Carrier

Click Here to watch video and contact me for quotations.

Increase Income & Reduce Taxes

We have several great opportunities for individuals that want to increase income and reduce taxes. Work Full-Time, Part-Time or Spare Time. Please contact me for details.

Tel: 1-800-591-3920 or (623) 688-2411

E-mail: WayneMorris@cox.net 

Living Benefit Life Video

https://youtu.be/HJZSTDzFl08

Life Insurance + Cash Benefits in case of Chronic, Critical or Terminal Illness. Please contact me for details and quotations.

Instant Life Quotes - Lowest Rates Guaranteed!

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 and best rate class.

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.