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Our Services
VIATICAL or LIFE INSURANCE POLICY SETTLEMENTS
We offer the ability to get the maximum amount of cash out of your life insurance policy BEFORE it cancels or lapses, even a TERM policy. Why would you want to lose all the money you paid for all those years? We work hard to make sure you receive up to 1/3 of the value of the death benefit. For example, a $1 Million dollar policy could get you $300,000 in cash right now!
Use the money for whatever you like: retirement, medical bills, travel, or leave a legacy for the kids.
MEDICARE ADVANTAGE PLANS in the Miami, Florida area.
We offer a complementary 20 minute to one hour consultation depending on the clients needs. Each person is different so we work hard to do a comprehensive and confidential evaluation to make sure the person truly understands their options for a better retirement.
Our Services
MEDICARE ADVANTAGE PLANS in the Miami, Florida area.
We offer a complementary 20 minute to one hour consultation depending on the clients needs. Each person is different so we work hard to do a comprehensive and confidential evaluation to make sure the person truly understands their options for a better retirement.
Our Services
MEDICARE ADVANTAGE PLANS in the Miami, Florida area.
We offer a complementary 20 minute to one hour consultation depending on the clients needs. Each person is different so we work hard to do a comprehensive and confidential evaluation to make sure the person truly understands their options for a better retirement.
IUL, (Indexed Universal Life Protection)
We have several different strategies to help our clients, one of which is an indexed universal life policy which offers the clint the benefits if they are structured properly:
Tax-deferred accumulation
Upside growth if the market goes up
Complete downside protection if the market drops, (you don't lose any money), all gains are LOCKED IN!
Access to your cash value throughout your lifetime
You can borrow from your own cash value for major pruchases like cars, college, vacations, etc and then pay the loan back to yourself while the cash continues to grow as if you hadn't touched it!
Supplement your retirement with tax free gains
Annuities
Some clients can benefit from modern day annuities which are not the old ones that woud lock you in for years... Today, some insurance companies will do the contract for as little as 3 years giving you upside growth from up to 3-5% or more, with NO downside risk. Your gains are locked in and you walk away with your money in 3 years with NO surrender charges.
SENIOR LIFE & LEGACY ASSURANCE FINAL EXPENSE SERVICES
Premium Financing
We also have programs for dividuals or small business owners designed to get them up to 60 - 100% more growth for their retirement! Today, some banks will literally help a person fund an IUL policy by putting up to 3 times more money into the contract during the year without having to apply for a loan with no credit checks, while helping them to accumulate as much as $1.5 Million for retirement in as little as 15 years for clients who qualify. It's the same principle as getting a mortgage to buy your home. See the 4 basic steps below:
BASIC STEPS OF PREMIUM FINANCING
1. With our help, the premium finance company sets up an IUL, (indexed universal life insurance
policy), with a top rated life insurance company inside a trust in your name to protect
you & your family
2. You, the client, then funds the policy with 5 payments of approx $6,800 per year, (or less), for 5
years, (approx $34,000/yr x 5 = $170,000 total payments by you), and you're done!
3. The bank in the program then funds the next 10 years for a total of 15 years, (or less if you need
the money), of payments which grow tax-deferred
4. You then have critical illness benefits, access to payments for Long Term Care and a $1.5
Million death benefit AND approximately $50 - 80,000 per year worth of tax-free payments
to age 90.
No qualifying for loans in your name and no credit checks since the IUL policy is collateral for the bank, and everybody makes their money. The insurance company gets their premiums, the premium finance company is paid as a broker, the bank is paid at the end of the 15 year term and the client has tax free retirement earnings. The agent is paid a commission from the insurance company directly.
Win/Win/Win...