It is a universal truth that people don’t like to give up control of their money. I don’t know about you, but I work hard for my money and I don’t like the idea of anyone else having control of my investments. Heck! I don’t like even sitting “shotgun” in a car, simply for the [...]

If you are looking to see which insurance company will provide you with the most retirement income for your annuity, look no further. www.GuaranteedIncomeRider.com provides a free, yes free, report that will compare every major annuity company in the industry for you! Here is how it works! You go on the website and fill out [...]

Quick 2009 vs. 2010 Annuity Rate Comparison Last year we had plenty of 5% annuities available and annuity sales were at an extreme high.  CD rates at the same time were at 4%.  See the table below; 2009 Rates Rate Annuity 5% CD 4% Difference in Rate 25% in favor of the annuity As you [...]

Low Cost Universal Life Insurance with no cash value. Are you looking for a Universal Life policy with no cash value? Or maybe you want no cash value in your life insurance but you don’t like that term insurance plans end prematurely. I have a fantastic alternative! Offered by one of my carriers, Midland National [...]

How to get the most Cash Value of a Life Insurance Policy! Here are some good guidelines to make sure your insurance agent is doing his/her job well with the cash value growth in your life insurance policy. If you discover that he/she is not, by all means call me! TIP #1 In order to [...]

I recently worked with a client who was comparing a Variable Annuity with an Indexed Annuity. Knowing that he was healthy and going to live a long time, we planned to add on a Guaranteed Lifetime Income Rider. After my comparison was finished, it was amazing to see how the costs within the VA affected [...]

I assure you that most annuity agents and advisors will not disclose this information because they simply don’t know. 1. If you are electing to have a Lifetime Income Rider with your annuity, and you wish to take a pre-lifetime income withdrawal, you will not receive the “step up” or “roll up” interest rate credit [...]

Sacramento Small Business Owner Programs To a small business owner, their business is often their most valuable asset. The loss of a key employee or partner can leave them financially vulnerable. A business needs to be able to leverage their employee benefits to attract and retain the right personnel. Fortunately, many of Finish Line Insurance Services carriers [...]

Real Underwriting For Coronary Artery Disease Our friends at the local agency CPS have shared a very exciting story will us regarding the topic of CAD. We often work side by side on cases in order to better serve our clients and are happy to relay this information to anyone whom this may help. The [...]

Just read in the Sacramento Bee for July 4th, 2010 that the best yield in a 5 year CD offered is a 2.5% interest rate. Did you know that you can by a 5 year fixed annuity with a guaranteed 4% interest rate? What possible motivation is there right now to purchase a CD in [...]

I have started a new website called SacTown Blues and you should check it out! For most of you that read my insurance blog, you should be pleased to know that Life Insurance and Annuities are not the only topics to which I spend my time;)  Although I love my job, I also take pride [...]

There seems to be very few pre-retirees that can honestly say they have more money today than they did ten years ago. Knowing that, we are forced to ask questions as to how people’s concerns regarding retirement have been recalculated.  Where did the boomer retirement plans go wrong and how do folks feel about their [...]

Green Life Insurance Continued ING has just released a new esubmit application process that we have decided to adopt as standard practice while writing their policies. This new program allows agents to sell simple term life insurance policies completely online. Once the agent and client have decided on a term insurance program that they would [...]

What is a Guaranteed Lifetime Income Rider (GLIR)? This rider guarantees that the annuity owner will receive an annual payment (a guaranteed withdrawal payment) for life, even if the policy’s accumulation value drops during the life of the annuity. The GLIR was first made available to Variable Annuities, and it has become a “must have” [...]

Last month a public statement was made that many life insurance companies have invested in fast food chains, restaurants, and companies. A study which examined the investment of millions of dollars by life insurance companies was conducted by Harvard Medical School. These companies included such names as Burger King, McDonald’s, Wendy’s, ect. Some experts are making [...]

Lately I have been running into more and more people that have existing Whole Life insurance policies that were set up 15-20+ years ago and are in big trouble. Many policy holders in California have been receiving letters in the mail from their insurance providers stating that their whole life policy has run out of [...]

A 2009 survey was conducted by BLR’s HR Daily Advisor last November and received more than 1,000 entries to gather their data. They identified that  75% of the responses came from companies with less than 500 employees. A similar 2006 survey found that 58% of organizations allowed high contribution levels for their employees. The IRS [...]

No other product in the market can guarantee that you do not outlive your money.  The recent article on Financial-planning.com discusses Hewitt Associates, a global human resources consulting firm finding that 4 out of 5 American’s will come up short in the retirement income category.  SPIAs can be a great way to ensure that you [...]

Financial experts suggest that retirees will require nearly 80% of their pre-retirement income to properly maintain a similar standard of living in retirement. Financial professionals offer comprehensive services to their clients in the form of Non-qualified deferred-compensation and executive bonus plans that provide allure through networking opportunities with their upscale clientele. Many of the existing [...]

Most people believe that if a person has insulin dependent diabetes, that he/she is not eligible for life insurance. This is not true. In fact when sitting down with underwriters last week, our team found that many people who are insulin dependent are easily insurable. The rates we have been able to give our clients [...]

Life Insurance companies take thousands and thousands of applications on paper every day. Most life insurance agents print and use more than twenty applications per month and each application averages over 15 pages. Not to mention brochures, quotes, sales leads, and policy illustrations. Do not forget that you as the client will also be receiving [...]

1.         “Are you a full time agent?” Due to agent commissions being reduced and expenses rising, it is becoming increasingly more difficult for agents to maintain a business office and overhead expenses. Some agents are forced to operate out of their “spare bedroom” and work a second job to make ends meet. You wouldn’t [...]

This video is a great approach to using life insurance as an investment tool. From the way the they explain the conservative interest rates to the percentage of a clients portfolio, I was happy to see some sensible discussion regarding the topic.

Life insurance has many applications towards providing benefits for families. The first is that Life Insurance can make certain that there are funds in place to ensure your family stays in your home if there is an untimely death. Life insurance provides a death benefit that is free from federal income tax. Yet your family [...]

If you didn’t already know term life insurance has been at an all time low for the past several years now.  Unfortunately, the recent credit collapse has had an effect on life insurance premiums, according to Bob Barney, president of Compulife Software, Inc., a corporation that designs life insurance comparison software used by insurance companies [...]

Would you like to start a savings account for your child? Would you like to have something to pass on to them when they get ready to leave the nest? A Universal Life Insurance Policy can be just the thing to benefit both you and your children. Here’s why: One of the first advantages of [...]

Recently I have been working with a number of people who are looking for life insurance but don’t want to take a physical exam. The purpose of this blog is to discuss the difference in cost and benefit regarding life insurance policies that require and exam and life insurance policies that do not require an [...]

Recently I have been asked by many of clients and prospective clients in regards to the ratings given to insurance companies. Earlier in my practice this topic of conversation was easily overlooked and some what dismissible but lately this conversation has generated some attention and rise for concern which prompted this particular blog. I think [...]

What I want to talk about today is the unique advantage that business owners have regarding life insurance as an investment tool.  No! I am not talking about Whole Life.  The argument of Life Insurance being a good investment will continue to go on as long as birds fly.  If you would like my opinion [...]

Here are some things that are good to know if you are in a position where you need life insurance and yet you use tobacco products. I want to discuss which companies are favorable and why. I promise you this, if you smoke or chew tobacco there is information here that will save you money. [...]