'Maximizing Social Security Benefits' Retirement eBook

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

My 2003 policy was based on OLD rates. The NEW rates were 51% lower!!

Understand How Social Security Works to Maximize Your Retirement

Deciding when and how to claim Social Security benefits is one of the most important decisions that retirees will ever make. Receive guidance in these 13 topical chapters on how you can make the most of your retirement benefits.
Receive Your Free Copy of "Maximizing Social Security Benefits"
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 know this IRS code 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...


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

One of the most dramatic changes - to the consumer's benefit - happened in 2006.

If your policy was written January 2006 or earlier, it was likely based on a 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 lower their 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 reductions in the rate table, 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.  

6. I put together a listing of the rate reductions based on your sex and current age.
Every age group has a rate reduction.

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


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 our insurance policies. You may qualify for More Coverage, Better Benefits & Lower Rates.
  • Super Easy, Super Fast! See the rate savings immediately after submitting your information. 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.
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