Customized to Your Branding
This page would be attached to your website and personalized with your image, logo, colors, text adjustments and/or background of your preference.
ATTENTION:
LIFE INSURANCE POLICY HOLDERS!

FROM THE DESK OF:

Merle Gilley
 (757) 424-8901

"I'm saving $845 a year!!"

My 2003 policy was based on OLD rates. The NEW rates were 51% lower!!
Take Advantage of this Little-Known Provision to Save YOU Money. 
Everything to Gain, Nothing to Lose.

From the Desk of: Merle Gilley

A little-known, but amazing provision for many common types of life insurance is lifelong price protection of the policy.

Yes, you read that right - Lifelong Price Protection!

And, it's enforced by our government! A very important IRS code provides you this benefit.

We've studied this IRS code at length and know it very well!

In plain English, the code allowing you to exchange an Old Policy at higher rates to a New, Improved Policy at lower rates — without any taxation or government penalties — is essentially a 'Price Protection' clause included with your policy!


P.S. As you'll see below, it will either be YOU that gets the savings... or the Insurance Companies. I would rather it be YOU!
ATTENTION: Life Insurance Policy Holders! 
A little-known, but amazing provision for many common types of life insurance is lifelong price protection of the policy. 

Yes, you read that right - Lifelong Price Protection!  

And, it's enforced by our government! A very important IRS code provides you this benefit. 

We've studied this IRS code at length and know it very well!

In plain English, the code allowing you to exchange an Old Policy at higher rates to a New, Improved Policy at lower rates — without any taxation or government penalties — is essentially a 'Price Protection' clause included with your policy!

Here's what you need to know and how to find out how much you could save...

CHECK NOW & SEE HOW MUCH YOU CAN SAVE

6 Things You Should Know 
About Permanent Life Insurance Rates
1. Life Insurance rates have decreased dramatically.
Life Insurance rates are based off government provided rate tables called a 'Mortality Table'. These tables are periodically adjusted. 

One of the most dramatic changes (to the consumer's benefit) is happening right now!

If your policy was written before January 2019, it was likely based on a rate table from 2001.

If your policy was written in 2008 or earlier, it was likely based off a rate table from clear back in 1980!

New policies are written based on the most recent tables. 

And the new table rates are much, much lower! Meaning...

With a New Policy, YOUR premiums will likely be much LOWER!
2. Insurance companies are required to use the new, lower rates.
Health improvements and living longer across the general population means the rates in the Mortality Table have reduced greatly. (I show you just how much on the next page). 

With the rate table reductions, insurance coverage can be offered at lower rates. 

In fact, the government requires insurance companies to lower their rates on newly developed products when mortality tables drop!
3. Insurance companies are NOT required to tell YOU about the lower rates.
The little known secret is Insurance Companies are NOT REQUIRED to alert their policy holders of new products and new lower rates. 

In reality, Insurance Companies have NO INCENTIVE to tell you about newer, lower cost policies...

Why? 

Because THEY MAKE A HIGHER PROFIT if you continue with your old, more expensive policy!

The Life Insurance industry may be the only industry that does not want their policy holders to upgrade to their latest and greatest products. 
4. GOOD NEWS!
Old Life Insurance Policies can be exchanged for new ones.
IRS regulations allow replacing old cash value policies with new, upgraded policies with lower rates... without taxation or government penalties!

This includes the common types of permanent life insurance such as Whole Life, Variable Life, Universal Life, Survivorship Life and Index Universal Life.
5. MORE GOOD NEWS!
Exchanging or upgrading to a new policy can save YOU money.
You may be able to replace your old policy with a new improved policy and lower rates.  

YOU SAVE MONEY WHEN YOU UPGRADE!
6. On the next page is a listing of the table rate reductions based on your Gender, Smoker/Non-Smoker and Current Age.
EVERY age group has a rate reduction!




P.S. It's my personal belief YOU SHOULD BE RECEIVING THE SAVINGS from these rate reductions, not the insurance companies! 

Otherwise, Insurance Companies are just pocketing the additional profits at your expense! 

Take Advantage of this Little-Known Provision to Save YOU Money. 
Everything to Gain, Nothing to Lose.
Get a Quote Today and Start Saving

From the Desk of: Merle Gilley

Your being able to exchange your dated life insurance policy for a new and improved policy is a unique opportunity provided by our government. Properly executed, it is possible you can save money, earn more interest on your money, and create more liquidity, use and control of these valuable funds.

We pride ourselves in putting the clients first. We do this by making benefits like this known to the public, and properly executing these like-kind exchanges. Customers funds are safer, earn more interest, and our clients get many more benefits for their hard earned dollar.

COMMON QUALIFYING INSURANCE TYPES INCLUDE:

Whole Life  |  Variable Life  |  Universal Life  |  Survivorship Life  |  Index Universal Life

Upgrading is for YOUR Benefit!
  • No Taxes, No Government Penalties - We take advantage of little known IRS provisions to exchange old permanent life insurance policies to new, better ones for your benefit. We're experts at it.
  • Get More with Less - Just like cell phones have improved, so have  insurance policies. You may qualify for Better Benefits & Lower Rates.
  • Super Easy, Super Fast! See the rate savings immediately after answering 3 simple questions: male/female, smoker/non-smoker and the age you would like to see results for. If it's right for you, we'll talk. 
  • We Specialize in Permanent Life Insurance Exchanges, making sure you get the best savings, best coverage and best policy for your needs and stage of life.
Check New Policy Rates
Your Privacy is Protected
"To receive the savings,
YOU HAVE TO ACT!" 
CUSTOM JAVASCRIPT / HTML
 COPYRIGHT © 2020 - ALL RIGHTS RESERVED
The information on this page has been prepared for informational purposes only. It is not a substitute for insurance or financial advice addressed to particular circumstances. The information contained is general in nature and should not be considered to be investment, legal, tax, accounting, consulting, or any other professional advice. It is not a solicitation of, or an offer to buy or sell any advisory services or insurance products. You should not take or refrain from taking any action based upon the information contained herein without first seeking professional, individualized counsel based upon your own circumstances.
CUSTOM JAVASCRIPT / HTML