News
Recreational Marijuana Usage – It’s not if they use, but how much
With many states legalizing the recreational use of marijuana, carriers have differing underwriting guidelines. Recreational marijuana use guidelines apply to applicants over age 18 and for marijuana that is ingested, inhaled or administered topically. Marijuana that is inhaled whether for medicinal or recreational purposes is considered as recreational marijuana use. We can offer competitive underwriting […]
Loan Rescue Can Help Relieve A Client’s Policy Loan Burden
1035 Exchanges and Mirrored Loans – When a client’s policy has loans, a 1035 exchange to a new policy may provide a needed death benefit at a lower cost. It may also offer clients living benefits to satisfy additional needs. When a client’s policy has loans, a 1035 exchange to a new policy may provide […]
Annuity Funding Whole Life – Use IRA Dollars to Fund Asset Care
Use IRA Dollars to Fund Asset Care with a 5% Income Base Bonus. Asset Care Annuity Funding Whole Life is a deferred fixed-interest annuity with an income rider. The income rider allows the annuity to fund the underlying whole life policy over 10 years. Did you know that when you transfer a portion of your […]
Your client can test postive for nicotine & still get non smoker rates
Your client can test postive for nicotine & still get non smoker rates. M. Williamson Insurance Services represents four carriers that can place non cigarette tobacco clients at a standard nonsmoker rate! Don’t let these cases get away! As long as the client admits they are using nicotine on the application we can move forward. […]