There are profiles that typically get very high rates in life insurance — Be it term life or permanent life. So you’ve been told you’re a bad risk. Yes, although this is true, not all bad risks are as bad as others. You can still pay a lot less depending on your peculiar situation if [...]

If you want to be sure of you have a sure financial plan, then you almost always have to have life insurance. The only exceptions are those who neither have dependents nor want to bequeath anything to a favorite charity. For the rest, what are the options that should be considered when buying a life [...]

Medicaid planning with a Life Estate deed. “This goes together with my annuity sales approach the “Frugal Man’s Trust ” but you must check your state Medicaid rules before proceeding with this approach”. This works in Massachusetts but please seek the advice of a Elder Law attorney within your state.
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The term “Cheap life insurance” quotes are to some extent a difficult statement to define. The term can mean that they are the cheapest quotes in their category of cover, but that can mean that it is very expensive but the cheapest available option. Some articles claim that “cheap life insurance” is out there…
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Life insurance may seem like a no-brainer to those who have done the research and taken time to purchase a good policy. However, there are many individuals out there who do not have life insurance. For whatever reason, these people do not realize that life insurance is an incredibly important part of your long term [...]

The use of a Life Estate deed for titling of the primary home for a senior who most likely will live in that home for the rest of their lives, will bring great respect to you as their planner. It’s all about gaining the potential clients trust and becoming their center of influence when it [...]

Learn how this Annuity Guru uses annuities as well as ways to title assets to avoid probate, in what he calls the ” Frugal Mans Trust”. Learn how to quietly sell the annuity by filling all the holes in around the annuity sale that most salesmen leave empty. Don’t be the agent that talks only [...]

Very few savvy customers like to pay full price for a new car. You develop severe sticker shock looking at the price that is posted. Plus you notice that a gigantic destination charge was added to the vehicle. If you go to a tool shop and buy a 50 pound item, $50.00 in delivery charges [...]

Learn to be the expert, or the trusted advisor when meeting with a potential senior annuity purchaser. Don’t focus strictly on the returns of the EIA’s and how they will perform. Learn to be well rounded and to be there trusted advisor. Speak about all of the potential pitfalls , such as probate, social security [...]

While many may view life insurance as “death” insurance as it becomes payable upon the death of the insured to their heirs, it obviously has many more positive advantages, otherwise why would people in the US pay over $165 billion per year for life insurance according to industry statistics. Many people use life insurance as [...]