Success Stories:

  • A customer's spouse died without naming an owner beneficiary of a child life insurance policy.  The policy needs to go through probate and is at risk of lapsing.  Helped customer name ownership beneficiaries for her own child life policies so the kids would inherit them with no worries.

  • A life insurance policy was drowning in debt.  Helped the customer extend the life of the policy without selling it or letting it expire.

  • Several insureds with health issues and a history of cannabis use were looking for life insurance.  Found them coverage at the standard or better non-smoking rates.

  • Customer had a life insurance policy that was at risk of lapsing.  Gave a confidential appraisal of its cash settlement value which helped the customer make a decision.

  • A business owner wanted to reduce benefit costs while providing rich benefits for key workers.  Found several solutions so the employer and workers would be happy.

  • A small business needed a low cost way to make employees happy.  Advised offering a dental and vision plan with rich benefits, including a benefit for dental implants. Employees loved it and also agreed to pay some of the premiums for it.

  • Business owner was retiring and wanted advice on what to do with a keyperson term life insurance policy.  The policy had no cash-in value.  Advised selling the policy for a cash settlement and retaining some of the death benefit.  No more worry about payments when sold and cash to supplement retirement.

  • Large employer with seasonal workers was looking for a way to control their health insurance cost and attract good workers.  Helped customer customize a health plan that beat trade association plans for no additional cost.

  • Small business owner with no retirement plan was looking for a way to catch up.  Found a funding method and a product to grow a lifetime income stream in time for retirement.

  • Customer was ready to retire and wanted to continue pension income for spouse without losing any of the benefit. Found a financial product to replace the loss so customer could enjoy the maximum income benefit.

  • Customer had no retirement savings.  Advice saved customer over $20k for retirement after a few years.

  • Small business needed a retirement plan for employees.  Owner took advice and was able to start a plan with no worries.

  • Customer was worried about outliving retirement savings and loss from a market downturn.  Found a financial product with market downturn protection, and a guarantee the customer would could make lifetime withdrawals without the risk of outliving savings

  • Customers near retirement wanted to earn more than a bank CD but were worried about stock market volatility.  Advice was to move some savings to a fixed-rate deferred annuity for protection.  Customers now have an edge against inflation and market downturn protection.

  • Customers with low risk tolerance and no need for savings until age 60 had a bank CD with low earnings.  Advice was to use a deferred annuity locking in a fixed-rate multi-year rate guarantee.  Customers are now earning a competitive rate with tax-deferral.

  • Customers at risk of outliving their savings after retirement asked for help.  Advised using a deferred annuity with an enhanced income rider to guarantee a lifetime income stream.  Customers took advice and were able to retire with peace of mind.

  • Advised customers of the hidden cost of an "Advantage" HMO Medicare plan.  Customers who kept Original Medicare with a supplement could receive elective treatment during the pandemic when no access was available under the HMO.

  • Child who inherited a deferred annuity from a parent needed help with a claim.  Options were to take a lump sum benefit or receive a higher benefit by taking payments.  An annuity benefit was chosen that deferred taxes over a 5-year period.

  • Spouse who inherited a deferred annuity needed help with a claim and only knew of one option: take the lump sum death benefit and pay the taxes.  Made the customer happy with advice of other options that allowed continued tax-deferral.