Life Insurance Services has a knowledgeable and helpful staff ready to help you provide the best possible options for your clients, as well as help you successfully grow your business. It isn’t so much about who has access to all of the products, but the agency that can help you determined when, where and for whom each option is most suitable for your valued client.
We specialize in Life Insurance for the individual or multi-life, fixed or variable, and through our strong relationships with companies offer both excellent pricing and appropriate policy features for all possible ages. We work to identify unique product niches to provide our brokers with the broadest range of options for their clients across the underwriting spectrum, including smoker and substandard risks. Our available product lines include Term insurance, Whole Life, Universal Life, Variable Life, Second to Die, and many products with Long Term Care benefits, and Chronic and Critical Illness riders.
Annuities play a very important role in a broad range of financial planning situations, and in particular in retirement planning, enabling your clients to save money and taxes while eliminating the fear that they will outlive their savings. There are many kinds of annuities – some tailored for income, some for future growth, and some as savings vehicles depending on the income and investment needs a particular client has. Life Insurance Services has top-level relationships with professionals who can advise you on how and when to offer single premium immediate, deferred annuities, fixed-rate, indexed, and variable.
Long Term Care
Stand-along Long Term Care policies, Life Insurance policies, or annuities with additional LTC features or riders are available to your clients. These products are increasingly important in the marketplace, as they offer a broad spectrum of features, including enhancements supporting home health care, flexible inflation protection options, and guaranteed purchase options. When you come to us for a proposal or help with a client, please be sure that you have discussed with them: (1) Do they plan to retire in the United States, and (2) Should the product be geared to the maximum long term care benefits, or a leveraged asset that provides benefits?
There are many components to financial security, but an individual’s ability to work and earn an income is what makes everything else possible. People insure their homes, cars and personal property, yet they often fail to consider insuring the one thing that makes all those things possible – their income. Disability Income Protection policies available through Life Insurance Services can be purchased for clients that are professionals, white collar workers, police officers, professional athletes, and a myriad of occupations. A broad array of policy features to customize protection to your individual client’s needs are available, including conditional renewability to age 75 if working full-time, residual benefits, recovery (return to work) benefits, future insurability options, COLA riders, and a variety of supplemental monthly benefits. Coverage is available for a wide range of underwriting risk classes and situations.
We work in conjunction with The Leaders Group, who has over twenty years of experience, and a focus on life insurance and wholesale brokerage business. The Leaders Group is the preferred choice for industry-leading General Agents, and the top-ranking Broker-Dealer for Variable Life Insurance. Representatives work well with them because agents desire independence without limiting product choices or business opportunities. If you would like to know more about our beneficial relationship with the Leaders Group, please call Scott Simpson at 704.927.0101, who is our main contact with them.