Our “it” is to make
Financial Advisors a consistently better
resource for their clientele.
With over 30 years of experience in the industry, we understand the business and the issues that producers face.
Some of the best product, underwriting and advanced sales carriers in independent distribution are our friends and partners. Our product offerings include market leading insurers for Term, Fixed and Variable Universal Life Insurance……Traditional, Linked Benefit and Hybrid Long Term Care……..Immediate and Linked Benefit Annuities.
We reinvest heavily into our business- both in our people and in our processes. We enjoy membership in, and invest time in, prominent industry organizations such as The Risk Appraisal Forum and Professional Life Advisors Network; these organizations, and the networking opportunities they afford us, help us to stay up to date in critical areas of our industry- product, underwriting and carrier relationships.
We will appreciate an opportunity to earn your business.
Recent News

PacLife’s PL Promise Term- NEW LOWER RATES….Now more competitive than ever for older ages!
Pacific Life has repriced PL Promise Term Life Insurance to ensure that you have the pricing and underwriting advantages you….. need for clients ages 50 to 69!
Click the following link to see how great the new pricing is versus other carrier friends in the market PL Promise Term Reprice June 2019 Older Ages and Fluidless Underwriting [More Competitive] (15-47564-04) (1)

Pru introduces LifeInsight policy management tool
LifeInsight, Prudential’s new simple and intuitive policy management tool, makes accessing inforce policies easier than ever! Click this link ….. for details!
OneAmerica: Updated Joint Definition for Asset Care
Starting July 1, 2019, OneAmerica will define joint applicants for all Asset Care new business as legally married spouses, domestic partners….. or those in a civil union. This change applies to all Asset Care new business, regardless of policy form number. Our definitions for Annuity Care, Annuity Care II and Indexed Annuity Care will remain unchanged.
Protective Life: Are Your Clients Prepared for a Chronic Illness?
67% of surveyed consumers think combination life products are either too expensive or not affordable*.
But how much more could a client pay if they’re not insured when they develop a chronic illness?
With Protective’s blended solution, you can prepare clients with protection against the unexpected — chronic illness coverage while they’re living and death benefit protection when they’re gone.
Protective Indexed ChoiceSM UL + ExtendCareSM: A blended strategy for keeping life on track when a chronic illness arises.
https://www.sellwhatmatters.com/permanent/cost-of-chronic-illness?utm_source=mc&utm_medium=email&utm_campaign=icul_ecr_bga&utm_content=2019042513A
Mutual/United of Omaha: Jump on the Express
Our Express life insurance products offer simplified underwriting and application processes, which means policies are issued faster and you get paid quicker.
Here’s how our Express products can help your clients and increase your sales.
John Hancock: Live a Healthy Life and Save with Vitality Term
John Hancock Vitality Term protects your clients while also recognizing and rewarding them for living a healthy life. This unique life insurance solution — which has the John Hancock Vitality Program built-in — can differentiate you in the market, help grow your business, and provide clients with a valuable solution that can benefit them throughout their lifetime.
State Life/OneAmerica Updated Asset Care product coming in July
By January 1, 2020, all issuers of life insurance are required to reprice their products according to the 2017 CSO mortality tables.
OneAmerica has updated the benefits and pricing within our whole-life based Asset Care product suite, and we will be launching a new product in July!
PacLife Introduces – New Chronic Illness Care Rider with PL Promise GUL
Beginning May 13, 2019, your clients can now include chronic illness rider protection with new issues of PL Promise GUL2 guaranteed universal life insurance policies
PacLife Reprices on PL Promise Term Life Insurance
As of April 15, 2019, PL Promise Term life insurance just got more competitive. This reprice reinforces Pacific Life’s commitment to the Brokerage channel