By taking advantage of a new limited time free offer & benefit for life insurance policyholders, you will experience SATISFACTION when you discover one of these 3 results:

1) How to receive the SAME benefits as your current policy provides, but      SPENDING LESS money than you are currently spending OR

2) How to receive a greater VALUE and MORE benefits for the SAME out      of pocket expense OR

3) That your current policy is providing the BEST features possible at the      LOWEST possible cost

Why do policies get off track?

• Product updates – Rate changes & new features

• Poor crediting – dividend rate

• Premium paying ability of the policy holder

• New regulations

What is the justification for the replacement?

• Poor design – Not built for cash accumulation, excess death benefit, high charges, underfunded

• Accumulation or distribution potential is lacking – More upside is possible with higher caps or no caps at all, better loan rates and/or income for life riders are available

• Carrier uncertainty – Insolvency, substandard company ratings, poor service or increased cost of insurance

Many find that their needs or goals have changed over time

Since you acquired your policy have you:

• Met your advisor every 6 to 12 months?

• Increased your debt? Changed jobs? Got married or divorced? A new child or a new home?

• Looked at the marketplace?

• Made every premium payment?

• Taken a loan?

• Reviewed the longevity of your policy

To truly make a comprehensive case, you need to look at:

• Extended maturity – passed age 100

• Riders – COLA, LTC, ABRs

• Premium paying history

• Are allocation or dividend options being used?

• Cost basis and gain positions

• In force illustration - CLICK the box below to fill out the form, apply your digital signature, date & save it. Then email the saved document to:          info@gainfinancialconfidence.com                                                   Or, alternately, print, sign your form, scan & email.

Bill Moeller is president and founder of Clarity Financial Insurance. Over the last 40 years, Bill has counseled and worked with hundreds of people planning for and growing their retirement. His practice of helping more people grew out of those consultations and the realization that people need help navigating their course to and through retirement.

P.S. Anyone can recommend accumulation of a stock and bond portfolio. But it’s entirely different to build a comprehensive, safe and secure plan that creates and distributes a steady stream of guaranteed income for years to come!

CLARITY FINANCIAL INSURANCE

info@gainfinancialconfidence.com

949-235-4299