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Below are descriptions of the 10 items you receive with our "GENERAL AGENT" Package. 
1. 20 EXCLUSIVE WEEKLY "RESPONSE" LEADS IN YOUR LOCAL AREA.
Receive your choice of 20 Annuity, Mortgage Protection Final Expense and/or Medicare Supplement "Response" leads from your local area. This is NOT a list of names, but actual REAL leads! 1. The 20 weekly leads are generated mostly from information request surveys on direct mail cards, mail order surveys, renewal cards, product registration cards, warranty cards and other advertising pieces that were returned from the prospect via regular mail or in some cases entered online. 2. On the card, the prospect has requested to receive information on Annuities, Mortgage Protection/Life Insurance, Final Expense, Medicare supplement, etc. 3. The 20 weekly leads are delivered to your personal e-mail account each and every week. 4. The 20 weekly leads are exclusively yours only and not given to anyone else. 5. The 20 weekly leads have phone numbers, along with estimated income and home value information of the prospect. 6. The 20 weekly leads are based within a 1-10 mile radius (except for rural areas) of your home or business zip code that you indicate on the sign up form. 7. We provide marketing material, pre-call letter and scripts on what to say to turn these leads into appointments and sales. 8. Nationwide, agents are experiencing an average appointment ratio of 20%-30%. That’s an extra 4-6 appointments every week! 9. The 20 weekly leads are an alternative to high priced leads offered by lead companies. 10. Your first set of 20 weekly leads arrives in approximately 7-10 business days from when you sign up. Types of weekly leads available - Try one type or all 4 types!
Annuity "LeadResponse" leads - Prospects have indicated that they would like to receive further information on one or more of the following: Financial products and/or annuities, reducing or eliminate taxes on Social Security income, reducing taxes on earned income, qualifying for higher interest rates and/or receiving monthly income payments for life. We only provide you with leads that were generated by homeowners age 65-79 with incomes of $35K or more. Mortgage Protection/Life "LeadResponse" leads - Prospects have indicated that they would like to receive further information on one or more of the following: Life Insurance, paying off their mortgage balance upon death, receiving additional survivor income payments, receiving additional TAX FREE death benefits. We only provide you with leads that were generated by homeowners age 25-49 with incomes of $35K or more. Medicare Supplement "LeadResponse" leads - Prospects have indicated that they would like to receive further information on the following: Medicare supplement coverage/enrollment. We only provide you with leads that were generated by prospects 64-65. Final Expense/Senior Life "LeadResponse" leads - Prospects have indicated that they would like to receive further information on one or more of the following: Life Insurance and/or final expense coverage, receiving up to $25,000 of additional tax free death benefits and/or paying off any final expenses, loans, medical bills or funeral cost with life insurance. We only provide you with leads that were generated by prospects age 65-79 with incomes of $35K or less.  Here is just ONE example of a data survey card that was sent to the prospects - Click Here
TRY OUR WEEKLY LEADS.....FREE - All "GENERAL AGENT" Package members receive 20 weekly leads for up to the first 12 weeks!* We have arranged a deal for you to receive 20 of these Annuity, Mortgage Protection, Medicare supplement and/or Final Expense "Response" leads FREE per week for up to the next 12 weeks to try them out for yourself when you sign up for The "GENERAL AGENT" package. Receive the FREE leads PLUS all the other items included with the "GENERAL AGENT" package. (See "page 4" up top for more details). How to receive ADDITIONAL "Response" leads AFTER the initial "up to 12 weeks". After your initial weekly leads, you can qualify to receive additional weekly "Response" leads every month using our Marketing Reimbursement Program through NALS OR you can purchase additional "Response" leads at a price of just $99 per 80 (4 weeks of 20). 2. 10 EXCLUSIVE LEAD GENERATION SYSTEMS THAT WILL PRODUCE UNLIMITED QUALIFIED LEADS.
KEEP IN MIND THAT THE 20 WEEKLY “LEADRESPNOSE LEADS" ARE MEANT TO BE A SUPPLEMENT TO THE 10 LEAD SYSTEMS (DESCRIBED BELOW) IN THE "GENERAL AGENT" PACKAGE. YOU SHOULD ALSO IMPLEMENT SOME OF THESE OTHER LEAD PROGRAMS TO INCREASE YOUR SUCCESS.
LEAD SYSTEM #1. "4-Step Survey Marketing" lead system.1. I use people in my local area to work for my company from their home to provide us with qualified leads by doing insurance and annuity related surveys. I do this through a unique recruiting ad and job description. I have developed this to attract good, responsible people to work for me. I have ways to place the recruiting ad for free and/or less than $10. When I place the ad, I usually receive about 25-50 calls from job applicants. They also pay me a $10.00 application deposit fee before I allow them to begin calling to weed out the people who are not serious about working. The best part is it costs me nothing to hire them, nothing to train them, and I only pay them a small referral amount if they generate a survey lead that results in a SALE for me. 2. I provide them information gathering survey scripts to generate leads for me. The scripts they use are designed in a survey format. People are more willing to give us information this way. It has taken me years to develop these scripts to work properly. It easily gets the person to want to talk to us and give us information. This increases the number of quality leads I get. I have one script for life and/or health leads, one for annuity leads, one for Medicare supplement/LTC leads and one for auto/home leads. I only receive leads where the customer has requested a quote or wants to buy AND has agreed to being contacted by me to provide the quote or would like an appointment. PLEASE NOTE*- This is NOT telemarketing; it is survey work and is generally considered not subject to the "DO NOT CALL” list or state telemarketing laws because certain types of surveys are exempt. If concerned, you can consider purchasing a list of names that have been scrubbed against the do not call list. In addition, you can also use the survey system to call businesses. 3. I provide my survey workers with a list of prospect's names, addresses and phone numbers to call that cost me $0. I have found a place that provides me, at no charge, lists of local people or businesses to call. The list includes prospect's name, complete address, and telephone number. However, when I am calling for LTC or annuity leads I will sometimes need to use a more targeted list of people over 65. I have found a very low cost source for doing this, less than $65.00 per thousand. Since my survey workers are calling from their home, I do not have any phone bills. 4. I prepare a quote or comparison based on the exact request from the client. I set the appointment and write the application. Since the survey lead has provided me with the exact details of what the client wants, I can easily prepare a quote or comparison. I call the client who is waiting for my call. I set an appointment or I will take an application over the telephone. I use several companies that have allowed me the ability to take a life or health application right over the phone. I do not do LTC applications, P&C applications or annuities over the phone. Since this program has the ability to produce more leads then you can handle, you can consider recruiting a few agents in your area to work some of these leads. This is a great way to build up your own agency if that is your goal. If you are a sales manager, it is a great way to get leads for your sales team. The "GENERAL AGENT" package includes the recruiting ad I use to find people to work for me along with where I place those ads for free or little cost. The job description and application form I use to get people to immediately sign up to work on a referral basis for me and pay a $10.00 application deposit fee. The four scripts. The form my lead generators use to fill out and fax or e-mail to me as soon as they generate a lead. The instruction pages I give to my lead generators that explain in detail how to do their job. Where I get my free list of local names and addresses for my lead generators to call. Also, my low cost source for names and phone numbers. Plus instruction pages on how to get all this up and running immediately. LEAD SYSTEM #2. "Savings Rescue Plan/Savings Alternatives Booklet" lead system.
Includes a VERY unique ad to run in low cost publications or weekly local newspapers. It attracts mainly prospects that have larger sums in the market, annuities and CD's. There are also certain steps to take that will allow you to get an appointment with over 30% of them. We will personally train you on exactly how to do this.
We are a big believer in two things. First, having prospects call you for an appointment for information and second, providing them with several different concepts and ideas to find a hot button with them. The Savings Alternatives Booklet you can distribute to the prospects from the ad will give them a description of different topics and concerns about their money. Different potential hot buttons are covered in the booklet. The booklet will point out potential problems with their current investment and briefly describe the solution and get them to want to meet with you. The solutions will include purchasing a financial product, annuity, LTC, life insurance or a combination. You can also send them an introduction letter with the booklet that includes a reply card that they can send back to tell you exactly what they are interested in. A couple important things to point out that make this system work. First, the ad and the way it is worded. Second, the certain types of low cost publications you put the ad in to attract prospects with money. Third, using a service that offers an 800 number that will play a recorded message and can capture the caller’s phone number for you if you cannot take the call personally. Fourth, how to handle the delivery of the booklets to the prospect. This is a very important step to help increase your appointment ratio. Fifth, sending an introduction letter and reply card with the booklet that gives the prospect a choice of how to contact you. Finally, the 4-page booklet that is short, but sweet with attention getting headlines and topics. This increases the odds that they will actually read it.
The "GENERAL AGENT" package includes the program description, the ad to run and how this all works. It also includes the booklet to send and the introduction letter with reply card to send with the booklet. You can edit the booklet and introduction letter to put in your name, address, phone number or make any changes you feel necessary. You can also replace some of the articles or add other topics of interest.
LEAD SYSTEM #3. "Prospects Call You/Financial Reports" lead system.
This program is also designed to get qualified prospects to call you. This is simple to do and is extremely effective. Most high producers get their leads using this type of program. These free reports are also good for handing out to your current clients to help increase your annuity, life and long term care production and to generate more leads. The idea is to run an ad to motivate a prospect to call you for free information on a solution. You then send them a free report on the topic then follow up with a call to get an appointment. Sounds simple, but you need to use an effective ad to get people to call and have something to send them that will motivate the prospect to set an appointment with you. There are 4 ads to use and they have all generated many calls and sales for agents. By the way, these are the same reports those so called "annuity and long term care marketers" try to sell you for $1000. Don't bother wasting your money. You receive the reports and the ads and you will save a thousand dollars or more. The 4 free reports that you receive are: "The six most common mistakes made by annuity investors" This report will get people who own annuities to call. This is great for 1035 exchanges. Since they already own an annuity it is a pretty easy sale if you can offer a better alternative. "How to diffuse the coming tax time bomb on your tax deferred annuity" This report is also designed to get people who own annuities to call you. The goal is to set up an annuity funded life program by doing a 1035 exchange AND purchase life insurance. These sales can produce some very large commissions if you know how to do it. We can show you how. "How to protect your assets from being taken by Medicaid" This report is designed to get prospects to call so you can sell them LTC insurance. Works very well if you are in this market. Agents have sold a lot of long term care with this report and also single premium whole life with a nursing home benefit. "How to get the highest rate on your CD" - PLUS RECEIVE ACCESS TO A BANK CD LOCATOR SERVICE - Offer Bank CDs and even earn referral fees. This report is designed to get CD owners to call to sell them annuities or other products. This always generates a lot of calls. If you are good at rolling over CDs into annuities, then you will have more leads then you will know what to do with. Again, you can give this report to any clients that own CDs. Also included with this program is a CD vs. ANNUITY PowerPoint presentation. Imagine meeting with a constant stream of CD owners looking for higher yields. Using this report along With the CD Locator Service, you can help clients increase their current CD rate, as well as diversify their safe money holdings using deferred annuities. You can even earn commissions referral fees on CDs. This program includes all the material, ads, PowerPoint presentations, training and complete instructions to help sell CDs. NO special license is required to offer the bank service.
The "GENERAL AGENT" Package includes the four financial reports, CD Locator Service plus the ads to use with them to get prospects to call you. LEAD SYSTEM #4. "Financial Newsletter" lead system.
We have put together a newsletter to distribute to the public. However, you can customize it however you like. You can mail the newsletters out, place them in recreation centers or use as inserts in local publications. People tend to read this kind of material. You will receive a decent response from the newsletter. The idea is to throw a lot of ideas at the person reading the newsletter hoping that something will grab their attention. When prospects call off this, you can set an appointment to provide them with more details. If they are serious, they will set an appointment. The "GENERAL AGENT" Package includes the newsletter and shows you how to edit the newsletter to put in your name and phone number or make any changes you feel necessary. You can also replace some of the articles if you want to include other topics of interest. LEAD SYSTEM #5. "Meet with Business Owners/Protection Strategy Plan" lead system.
You can use this brochure to hand out or mail to business owners for themselves or for their employees to buy. You can also hire a telemarketer to call business owners to set appointments for this program. This is a daytime activity and is an easy way to get life sales and to get in front of business owners who can afford higher premium life policies. It is an easy appointment to set and a quick simple presentation. If you are selling mortgage insurance, use this system to sell life insurance during the day and spend your nights with your family and loved ones instead of being out late at night. The "GENERAL AGENT" Package includes the direct mail piece, a brochure plus the script for calling business owners. LEAD SYSTEM #6. "Life-Mortgage" lead system.
If you like to sell life insurance, but have trouble getting in the door, then this is for you. How would you like to be able to provide a non-insurance service to homeowners and also sell them life insurance to cover their mortgage? How would you like to have people asking YOU to come to their home? Plus, make money with or without selling them insurance. No, this is not one of those college scholarship programs or bi-weekly mortgage programs. It is a program designed to help homeowners possibly receive money back on their mortgage. You simply place an ad in local penny saver and thrifty nickel newspapers for about $8 a piece to advertise this program. When they call, set an appointment with them to see if they qualify. NO life license is required to offer this service. The "GENERAL AGENT" Package includes all the details on this program. How to get the leads. How to get the appointment. How to provide the service and how to sell life insurance to these prospects. LEAD SYSTEM #7. "You're Interested Letter" lead system.
We have been using this idea since we started in the business. We use this letter in two ways. First, it is a great direct mail piece or flyer that will generate many leads. Since there are many topics and choices for the prospect to respond to for information, you can send this out to anyone.
The second thing to use this for is to give to every single person you have an appointment with or mail information to. It is a great way to provide your client or prospect with a list of what services you can provide. You can also hand these out with your business card to people you meet. You will be surprised at the number of leads this will generate for you by letting people know what services and products you offer. The "GENERAL AGENT" Package includes the letter we use and shows you how to customize it for your company and products. LEAD SYSTEM #8. "Fax-Back Flyer" lead system.
We put together a one page flyer to fax to local business owners to generate life and health insurance leads. You can fax out about 50 of these a week when you have free time. We also have found a very simple way to get many local fax numbers for businesses. This program is just another simple idea to keep those leads flowing in.
The "GENERAL AGENT" Package includes the flyer we have developed that will catch the business owner's eye and get them to fax it back to you requesting a quote. We will also show you how to get hundreds of business fax numbers for free in your local area. LEAD SYSTEM #9. "SEP-IRA/Stretch IRA" lead system.
This program is designed to sell retirement plans and IRAs. There are two parts to the program.
First, if you like daytime activity and working with business owners, this will get you the sales. There are not many agents going after this business. There are many self-employed and small business owners out there who do not know about this retirement savings program. This is very simple to learn and can generate a good residual income. This program can also lead to many other sales including life and health insurance with the prospect. You can hire telemarketers to call business owners for daytime appointments for this program.
Second, there is a simple and very effective program to get appointments with IRA holders to explain the benefits of stretching their IRAs to future generations. Most IRA holders are not aware of the potential benefits of this tax strategy. IRAs can be a great source of rollovers to annuities. You can find IRA holders through small ads and pre-call letters. This gives you a great opportunity to also discuss life insurance protection with them. The "GENERAL AGENT" Package includes the brochures, scripts and ads to use for this program. LEAD SYSTEM #10. "Other Lead Resources" lead system.
Through our partnerships with various vendors we are able to offer to our members: A Living Trust Service, A Reverse Mortgage Service, A Life Settlement service, Targeted Prospect Lists, Direct Mail Campaigns, Seminar Invitations, Post Cards, Internet leads, personalized insurance agent websites and more. All designed to help you generate more leads.
The "GENERAL AGENT" Package includes access to all of the services listed above. 3. A Personalized Agent Website to Sell Life Insurance or Annuities ON-LINE.
Receive your own 4-7 page agent website to market and sell annuities or life on-line. The site will allow prospects to request quotes for annuities and life insurance online. Site includes a LIBRARY CENTER for your visitors to learn about annuities, reasons for and types of Life Insurance available. We also will show you how to promote your site and get hits on a daily basis.You can place the website on your own hosting server or we have optional hosting service available for a small monthly fee of $9 plus a one-time set up fee of $29. (CANCEL ANYTIME) You also have the option to add a LIVE life insurance quoting engine to your website and take apps over the phone. This will allow prospects to receive instant quotes for life insurance on-line and request quotes for annuities on-line. The life quoting engine includes all of our carriers so it will give them the best quotes from several different companies. You can also take apps over the phone with several of our carriers. There is a small monthly fee of $19 plus a one-time set up fee of $49 to add this option to your website AND it includes hosting. (CANCEL ANYTIME) 4. On-Line Training, Webinars, Guides, Presentations, New Sales Ideas, Software, Brochures and Much More.
You will have on-line access to some of the best client presentations available. Includes top quality PowerPoint and flip chart presentations, marketing pieces, new sales idea, CD-ROMs, Guides, brochures and more. Our partnered marketing organization and insurance companies also have a wide variety of material available for use.
You will also have on-line access to some of the best training and sales support in the country. Everything you need to know about insurance and annuities and how to sell them. We offer a wide variety of on-line webinars and training courses ranging from basic sales concepts and product knowledge up to advanced selling strategies. Our partnered marketing organization and insurance companies also have a staff of qualified individuals to offer you sales support via their toll free numbers and agent websites. Any type of training you need is never a problem and is always at your fingertips. We also include an exclusive 60 minute annuity audio training along with two annuity guides. Although it discusses annuities, the concepts can be applied with life insurance sales. We cover everything from how to get the leads, how to get the appointments, what we say at the appointments to how we close the sale. You will be amazed at the techniques that are provided in this discussion. Included in the program our two selling guides. 1 - The Complete Cross Selling Tool Kit. Your Guide to Uncovering Annuity Prospects in Your Current Client Base. 2 - Annuity Appointment Setting for Maximum Results. How to Use Response Mail Leads to Grow Your Sales. Achieve a 60%-80% appointment setting ratio.
5. FIRST APP PROMO - FREE DIRECT MAIL, TELEMARKETING OR AD CALL-IN LEADS WITH YOUR FIRST APP.*
FIRST APP PROMO* - Once you submit your first app with any of our carriers through us, you receive your choice of ONE of the following to help generate leads: - A direct mail campaign using the QUALITY DIRECT MAIL LEADS PROGRAM. - A telemarketing campaign using the TELEMARKETING BROADCAST LEADS PROGRAM. - A targeted ad using the ADVERTISING CALL-IN LEADS PROGRAM. *Business MUST be placed with one of our carriers through us. Please see "Our Carriers page 3" up top for more details. 6. Bonus and Marketing Reimbursement Money - Earn Additional FREE Money as you place your business with us.
As a contracted and producing member agent with us, you are eligible to participate in our "Marketing Reimbursement and Bonus Money Programs". You earn FREE marketing reimbursement money and/or bonus money as your business becomes paid for. You can use the money for any of the lead programs listed below or any other marketing or lead generation programs. The more business you place with us, the more marketing reimbursement and bonus money you can earn. 7. Access to Direct Mail Leads, Telemarketing Leads, Ad Call-In Leads and "Pre-Set Annuity or Life Appointments".
Direct Mail Leads
Receive direct mail campaigns for Annuities, Medicare Supplements, LTC or Life leads. We use several top direct mail companies in the industry that offers you dynamic, low cost, market-tested, turnkey, direct mail programs. You choose the geographic area by zip code and select the demographics (age, estimated income, single family homes, etc.). They do the rest: mailing list, printing of material and out-going/return postage. We have personally used these mailings and have received as high as a 2%-4% return rate. That is 7-10 leads per 250 mailed.
As second option is to use our "CREATE YOUR OWN" direct mail campaign service. We will show you how you can create the piece and how you can mail as little as 100 pieces at a time for less than $40. You even have the option to have the cards returned directly to your address. NO BUSINESS REPLY PERMIT IS NEEDED! Telemarketing Leads How would you like to receive 7-10 leads per week from qualified local prospects who want to speak to an agent about information on the benefits of annuities, Medicare supplements, LTC or life insurance? This amazing program combines highly effective marketing techniques along with the latest in computer technology to deliver qualified leads to you instantly upon the client's request.
Here is how this program works: 1. We have access to a highly reputable nationwide database. We start off with a list of 250 qualified prospects in your local area based on your area code and within 3-10 miles of your zip code. They must own a home, be between 60 and 74 years old, have a minimum income of $25,000 and a minimum net worth of $50,000. We then scrub the list against the Do-Not-Call list. 2. We then upload the numbers into a sophisticated VOIP voice broadcasting software. This software has the technology to recognize a human voice or answering machine within a millisecond of an answered call. We use a pre-recorded digital message. If the software detects a human voice, it plays the pre-recorded digital message to the prospect. 3. The pre-recorded messages played to a human voice notifies the client of a current opportunity to protect and increase the return on their savings and asks them to press "0" to be transferred for more information. The prospect is then transferred immediately to your office or a voice mail system. What more could you possibly ask for then a prospect calling you asking for your information? You will not get from the prospect the “I do not remember sending anything in” excuse like with direct mail. However, you will still need to secure an appointment, build rapport, uncover a need, deliver an effective presentation, make a proper recommendation and close the sale. Ad Leads In our 15+ years in the business, nothing has worked better than having a prospect pick up the phone and call us off one of our ads. 75% of our business comes from this. When a prospect calls you, they are usually motivated and have a high interest level. In addition, you do not hear the "I don't remember sending anything in" excuse when they call like you get with most every other type of lead out there. There are several good avenues to run ads in such as local community papers or sending out postcards. For those with a bigger budget you can consider radio or even TV. However, you need to have the right ads to make it work. We have available over 100 field-tested, compliance-approved ads to choose from or, if you prefer, we can help you design your own. We also have available pre-recorded radio spots and television commercials ready to go. Pre-Set Annuity or Life Appointments Live scheduled pre-set appointments off direct mail or telemarketing leads with prospects in your local area. Cold calling for pre-set appointments just does not work anymore. Between the do not call list and peoples attitude towards telemarketers, it is very difficult and time consuming to sit down and cold call for appointments. However, calling off a direct mail lead or telemarketing lead for an appointment can still produce good results. The problem is that many agents are not good at setting appointments off these types of leads. Let our staff of specialized appointment setters solve that problem for you. First select either a 500 piece direct mail campaign or a 500 call telemarketing campaign. Our telemarketing campaigns tend to have a higher response rate and gives us more leads to call to set appointments for you. When the leads are returned to us, we will have our appointment setting professionals call on the leads for you to set your appointments. Just provide us with your schedule. If we cannot reach the prospect or secure an appointment off the lead within 7 days, we will then forward the lead to you for direct follow up. Receiving "Direct Mail Leads, Telemarketing Leads, Ad Call-In Leads and "Pre-Set Annuity or Life Appointments". As a contracted and producing member agent with us, you are eligible to participate in our "Marketing Reimbursement and Bonus Money Programs". You can earn FREE marketing reimbursement money and/or bonus money as you place business through us. You can use the money for FREE Direct Mail Leads, Telemarketing Leads, Ad Call-In Leads and "Pre-Set Annuity or Life Appointments. You can also purchase our "ADVERTISING CALL-IN LEADS" campaigns at a purchase at a reduced rate. 8. Access to CD to Annuity Rollover ADVERTISING CALL-IN Leads. Plus learn how to sell CDs and make money.
Receive advertising leads from CD/IRA owners in your local area. These people will be calling our Toll Free number or entering their information on our CD ROLLOVER Website directly from direct mail and telemarketing campaigns that we will run for you in your area. You will be able to help them rollover their CDs or IRAs into either an annuity, income annuity or another CD. You will be set up as a FDIC Deposit Broker. (NO LICENSE IS REQUIRED) and you will earn an annuity commission OR a fee from the CD rollover. You will earn bonus money on any annuity commissions to help pay for the program and leads.
9. Access to Several Unique Selling Systems and Seminars to Sell Annuities, Final Expense and Life Insurance.
Looking for top of the line selling systems? We have access to some of the best. If you are selling annuities, life insurance or final expense let these selling systems help make the sale presentation and closing easier for you.
Also, DOUBLE your appointments, DOUBLE your sales, DOUBLE your commissions and stop paying for meals at seminars! Be the first in your area to offer this revolutionary seminar and write more Annuities & Life than ever! Use our Marketing Reimbursement or Bonus Money Program to cover the cost. 10. Contracting available with over 35 Insurance Carriers with Top General Agent Commission Levels on All Products.
The leads you receive and generate from our "GENERAL AGENT" package can be sold using any insurance company or products you offer. However, we have available to our members non-captive/no production required appointments with top General Agent street level commission from 35+ major carriers. There is NO cut in commissions with these contracts. The contracts are provided with a partnership we have formed with major national marketing organizations.
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Our "GENERAL AGENT" PACKAGE = Includes ALL of the following 10 items:*
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Disclaimer - This site is for agent use
only. All programs and materials provided by us are generic in nature, for informational purposes only and are not product or company specific unless otherwise stated. Some of the programs are offered through 3rd party vendors or are non-insurance related. Insurance products and Annuities are not for everyone and should only be recommended if they are suitable for the client. We believe in offering FULL disclosure of any product and do not tolerate the use of any false or misleading statements, scare tactics or deceptive advertising. We recommend that you check with your insurance company, broker dealer and/or state insurance department to see if you need to modify any material you use prior to use with the general public.
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