Have You Checked Your Client’s Term Today? Term Insurance – Easy And Profitable Everybody Has Term Insurance Through work Through Association Individual All Of These Policies Have Disconnects *Click Here for Disconnects for Group and Association  *Click Here for Disconnects for Individual Policies Items to Check on All Policies For Comparison Age Last, Age Closest, Banded Rate Classes Available […]

Missed our webinar on 1.24.19? No worries, Himmelstein Financial has you covered! Check out the video below for the full presentation of this riveting concept! AND if you haven’t already, take a moment to read through our recent two-part blog post on this same topic! Multiple Policies Are Better! (pt.1) Multiple Policies Are Better! (pt.2) […]

MULTIPLE POLICIES ARE BETTER! (Ex. 2)   The second one has someone who wanted some permanent protection but wanted a lot for survivor income. So in this case, the client wanted 20 year term until his kids were 25 and wanted a permanent coverage that had a decent chronic care rider. He also wanted the permanent coverage […]

MULTIPLE POLICIES ARE BETTER! We get requests from representatives and clients often with multiple goals that conflict with each other. You as the adviser realize it’s a lot to ask for one contract to provide a Guaranteed Life Insurance Benefit, Chronic care, an income Stream, Multiple difficult beneficiaries or trusts, etc. One policy simply cannot satisfy […]

Greatest Time to Get Great Underwriting Most people in our industry know that the end of the year, companies are more apt to make offers that they wouldn’t offer any other time. IN THE PAST MANY CONDITIONS WERE IMMEDIATE DECLINES This Includes people who have had: but not limited to the following Cancer                     Asthma                       Mental […]

Underwriting Miracles Underwriting has changed dramatically.  We had a case where a client who was 58 years young and diagnosed with prostate cancer less than 1 year ago.  The client was told he had stage 1 cancer and would need treatment to stop the spread of the disease.  The client received treatment in last year and came to our office […]

There is an opportunity for your company to pay for a Supplemental Retirement plan which may be leveraged between different tax brackets, either between your company and yourself and/or your company and a key employee.  We designed a solution for business members which allows for a transfer of capital from the corporation with limited tax […]

There is an opportunity for your company to pay for Reduced Cost Life Insurance which may be leveraged between different tax brackets, either between your company and yourself and/or your company and a key employee.  At Himmelstein Financial, we design a solution for business members which allows for a transfer of capital from the corporation […]