• 5 Reasons an IUL might be a Good Choice During These Economic Times.

    Interesting 🤔 IUL policy sales are up in the 1st Quarter according according to LIMRA. IUL sales jumped⬆️ an incredible 25% in the 1st quarter of 2023.

    Why IUL’s might be a good choice during an uncertain economy.

    1. Guaranteed Death Benefit: IUL policies provide a guaranteed payout to beneficiaries no matter how bad the economy is. This ensures financial protection for your loved ones.
    2. Market Protection: IUL policies can safeguard cash value from market downturns, shielding policyholders from losses. Although tied to an index, the funds are not directly invested, providing stability.
    3. Potential Growth: In stable economic conditions, IUL policies offer potential gains based on index performance. Policyholders can benefit from growth without excessive risk. A nice way to really create some generation wealth.
    4. Tax Advantages: IUL policies provide tax-deferred cash value growth and tax-free death benefits, optimizing potential savings for policyholders and beneficiaries. Got to love that tax-free financial growth.
    5. Flexibility: IUL policies allow for premium and death benefit adjustments, accommodating changing financial needs and ensuring ongoing security.

  • Protective Life Insurance Review

    Protective Life Insurance offers term, whole life and permanent life insurance policies. In addition to these short and long-term solutions, the company also offers a number of add-on riders and coverage options. Read on for our review of Protective Life Insurance to learn if this provider is a good option for you. Best for multiple…
    — Read on money.yahoo.com/protective-life-insurance-review-210851657.html

    Have you heard of Protective Life Insurance? How is your policy through? How can I help?

    #lifeinsurance #wholelife #iul

  • Tired of buying low quality leads?

    Today was great! I decided to take matters into my own hands and hit a couple apartment buildings to sell insurance door-to-door. One was a 55+ building and the other was a county housing authority building, for low income people. At first I booked an appointment at my very first door. I thought this is going to be easy. Then finally after two hours of knocking on doors, I was able to sell a policy. Insold the policy right at the door and collected the payment.

    It wasn’t easy, of course. Selling insurance can be a challenging and competitive industry. Especially if you are buying crappy leads as well. By being proactive and taking matters into my own hands I was able to go find my own potential customers. I had to figure out a pitch that would grab the clients attention fast and get them to listen to me within the first 20 seconds.

    I’m very proud of what I accomplished today. Selling insurance door-to-door may not be glamorous, but it’s a rewarding experience when hard work and persistence pay off. I’m excited to see where this journey takes me next. I will keep you updated. All I can say is I’m so thankful I didn’t have to waste my money on garbage leads.

  • “Protecting Your Future: The Importance of Insurance for 30-Somethings”

    Why it’s important
    to have life insurance
    in your 30s.
    If you’re like many adults in their 30s, you’re going through a whole lot of big life changes. Maybe you’re buying your first home, getting married, having kids, or starting a business. Whatever you’re going through as a 30-something, chances are there’s one thing you may not be thinking of: life insurance.

    Why would you need life insurance in your 30s?
    Here are a few of the many potential life changes that can take place in your thirties—all of which are great reasons to consider life insurance now, not later.

    • You bought (or are saving to buy) a home: Purchasing a home is a huge achievement—and in many cases comes with a huge mortgage. Life insurance is a way to guarantee that your financial obligations will be covered in the event of your passing. Life insurance can protect your family by paying off the mortgage so they can continue to live in the home.
    • You’re having (or had) a child/children: Life insurance can ensure your children will be financially protected if the unthinkable occurs and you’re no longer around to care for them. A death benefit can help cover the costs of childcare, school tuition, and overall quality of life.
    • You have (or took on) significant debt: In addition to a mortgage, many people in their 30s have or take on significant debt, either through student loans, credit cards, small business loans, or some other major life change that requires financial assistance. A life insurance policy allows you to pay off any outstanding debt if something should happen to you.

    What kind of life insurance should you get in your 30s?
    If you’re in your 30s, term life insurance is usually your best bet. Term life insurance is affordable, straightforward, and can be tailored to provide coverage during the years you need it most. For example, if you’re a parent and your child will graduate from college in 18 years, you may want
    to consider a 20-year term policy. That way, you’ll know that no matter what happens, your dependents won’t be saddled with the costs of education in the event that they can no longer rely on your income.
    The bottom line on life insurance in your 30s.
    At the end of the day, life insurance is a vital part of your financial legacy, and opting to invest in it early is a wise step toward protecting your family and easing your mind. While a strong majority of Americans (82%) value leaving behind a strong financial legacy, a significant number of people (38%) lack confidence they will do so. By getting life insurance in your 30s, you can take action now to solidify your own financial future and the financial future of your family.

  • “3 Reasons Why Choosing an Indexed Universal Life Policy is Better Than a Traditional Whole Life Final Expense Policy”

    As we age, it’s important to start thinking about our end-of-life expenses, including funeral costs, medical bills, and other final expenses. One way to prepare for these expenses is by purchasing a life insurance policy. However, not all life insurance policies are created equal, and there are several options to choose from. In this blog post, I will discuss three benefits of choosing an Indexed Universal Life (IUL) policy over a traditional whole life final expense policy.

    1. Greater flexibility and potential for growth

    Indexed Universal Life (IUL) policies offer greater flexibility than traditional whole life final expense policies. With an IUL policy, you have the option to adjust your premium payments and death benefit amount, depending on your changing financial needs. Additionally, IUL policies offer a potential for growth through the use of an index, such as the S&P 500, to determine your policy’s interest crediting rate. This means that your policy’s cash value has the potential to grow more quickly than with a traditional whole life policy, which typically offers a fixed interest rate.

    1. Lower premiums

    Another benefit of an IUL policy is that the premiums are often lower than with a traditional whole life final expense policy. This is because IUL policies are designed to be more affordable, as they focus on providing a death benefit to cover final expenses rather than accumulating cash value. Additionally, IUL policies often have lower fees and charges than traditional whole life policies, which can help keep your costs down.

    1. Tax benefits

    Finally, IUL policies offer tax benefits that traditional whole life final expense policies do not. For example, the cash value in your IUL policy grows tax-deferred, meaning you don’t have to pay taxes on the growth until you withdraw the money. Additionally, if you need to access your policy’s cash value, you can do so tax-free through a policy loan or withdrawal, as long as you follow certain IRS guidelines.

    To wrap this up, there are several benefits to choosing an Indexed Universal Life (IUL) policy over a traditional whole life final expense policy. With greater flexibility and potential for growth, lower premiums, and tax benefits, an IUL policy may be a better fit for your financial needs and goals. If you’re interested in learning more about IUL policies or comparing different life insurance options, be sure to speak with a licensed insurance agent.

    Feel free to email me at nwpolicypro.com to book an 1 hour free no pressure consultation.

  • How would you rate your confidence level?

    I would rate my confidence level at a 10 when I’m on fire and in the zone. I would rate it a6 when I’m not feeling great or unprepared

  • “How Adopting a Servant Leadership Approach Transformed My Sales Team”

    I have seen firsthand the power of servant leadership in driving sales success. When I was 24 years old, I read John C. Maxwell’s book “The 21 Irrefutable Laws of Leadership,” and it completely changed my perspective on leadership.

    From then on, I made a conscious effort to adopt a servant leadership approach with my sales team. By putting the needs of my sales reps first and providing them with the resources and support they needed to succeed, I saw a dramatic increase in morale and productivity.

    Our team began to form a strong bond and a culture of trust and collaboration, which ultimately led to our becoming our client’s number one sales source. By focusing on empowering my sales reps and creating a supportive environment, we were able to achieve our sales goals and drive revenue growth for the organization.

    As I continued to develop my leadership skills, I found that servant leadership not only benefited my sales team but also helped me to grow as a leader. By valuing and appreciating my sales reps, I was able to build stronger relationships with them and foster a sense of loyalty and commitment to our shared goals.

    If you’re looking to drive sales success and create a positive work environment, I highly recommend adopting a servant leadership approach. By putting your team first and empowering them to succeed, you can build a culture of trust, collaboration, and accountability that will drive results and help you achieve your goals.

  • Many ask about Indexed Universal Life….

    So many great advantages for using an Indexed Universal Life policy.

    Please contact me if you have any questions. I’m more than happy to sit down in person or over zoom.

  • The only word I would ban from my general usage is the word can’t.

    If you could permanently ban a word from general usage, which one would it be? Why?

  • Crucial Quality in Leadership- Acceptance

    We Can Accept Our Accomplishments Easy, But Can We Accept Our Mistakes?

    Accepting consequences for personal choices and mistakes is a crucial quality for effective leadership. Leaders who take responsibility for their decisions, set an example for others to follow. This quality requires humility, honesty, and vulnerability, but it creates a culture of accountability, strengthens teams, and earns trust and respect. Great leaders recognize that failure is a natural part of the learning process and that owning up to mistakes is essential for success.