Hello

I’m a small business owner from Sacramento, California and an independent insurance agent with over 20 plus years combined government work experience in the areas of administrator, supervisor, and specialist. I also earned my master’s degree and bachelor’s degree in Business Management.

 

Originally, I’m from the Philippines and emigrated to the US when I was 14 years old. I learned English on my own and read a lot about self-help books from self-improvements to self-developments. I believe that we are all born with great potentials, and it is our responsibility to discover this about ourselves. Once we do recognize this in ourselves, we should then share this discovery and serve others in return.

 

To me, this blog is my way of making an impact on anyone and/or everyone who may find my blogs useful, especially in the subject of personal finance. I believe it’s tragic to see so many people with talents and abilities come and gone without having to share their lifelong experiences and wisdom to the world whether by choice or not. I believe we all have something to share and contribute to this world because it’s a gift. So, let’s share that gift!

 

I’m available for free consultations on Indexed Universal Life, Living Benefits, Term Life Insurance, Fixed Indexed Annuity, Executive Bonus Plan, Final Expense, and Wealth Builder Team Business Opportunities.

 

Indexed Universal Life

The Indexed Universal Life or IUL is a tax-free savings plan authorized by the IRS Section 7702 and 72e for college funding insurance policy. IUL allows you to earn interest on your savings without having to pay taxes, borrow against your IUL, guarantee no loss, avoid market volatility, setup retirement savings, and have protection with death benefit or living benefits.

What is Indexing Strategies? An index is a statistical composite that measures changes in the financial markets. Indices are hypothetical portfolios of securities designed to represent a certain market or portion of the overall market.

Benefits of Index Interest Accounts include:

• Built in safety – no loss during market downturn, therefore you’re guaranteed not to lose any money

• Upside potential/ability to earn interest based in part of the performance of the external index

• Some of the most popular indexes include S&P 500, Barclays Trailblazer Sectors 5, Nasdaq, Dow Jones, US Real Estate, Gold Commodity, ML Strategic Balance, PIMCO, MCSI, and Russell 2000

 

Living Benefits

Our Living Benefits rider comes with no additional charge with our Indexed Universal Life and Mortgage Term Life Insurance. Living Benefits was first introduced in the United States in 2007. It’s an Insurance Policy where you could be the primary beneficiary, and it changes the concept of how to use your life insurance. Fun Fact: very few insurance carriers have living benefits riders in their life insurance policies.

 

Term Life Insurance

The Term Life Insurance also known as Mortgage Term Life Insurance will give you peace of mind that your family will be able to pay off your mortgage in the vent of the insured’s death. Our Term Life Insurance comes with accelerated death benefit rider that allows you to access portion of your death benefit in case the insured is diagnosed with a Chronic, Critical, or Terminal illness like heart attack, stroke, or cancer to help you cover the mortgage payments. Fun Fact: The money that you or your beneficiary will get from the insurance company doesn’t necessarily have to be used for mortgage payments alone.

 

Fixed Indexed Annuity

The Fixed Indexed Annuity or FIA comes with lifetime income rider option. FIA is a type of fixed annuity that earns interest based on changes in the market index, which measures how to market or part of the market performs. The interest rate is guaranteed to never be less than zero, even if the market goes down.

 

When you’re looking for upside potential with downside protection, a fixed indexed annuity is a tax-deferred, long-term savings option that provides principal protection in a down market and opportunity for growth. It gives you more growth potential than a fixed annuity along with less risk and less potential return than a variable annuity.

 

Returns are based on the performance of an underlying index, such as the S&P 500® Composite Stock Price Index, a collection of 500 stocks intended to provide an opportunity for diversification and represent a broad segment of the market. While the benchmark index does follow the market, as an investor, your money is never directly exposed to the stock market.

 

Our Fixed Indexed Annuity guarantees two things:

1. No Loss

2. No Fees

 

Executive Bonus Plan

The Section 162 Executive Bonus Plan allows an employer to provide life and disability benefits income insurance to key executive/employee using tax-deductible dollars using IUL or FIA. The insurance policies are owned by the executive/employees and are paid for through cash bonuses to the executives/employees. In practice, the employer may pay the premiums directly to the insurance company, then include the premium amounts in the executive’s reported W-2 income. The executive has all the ownership rights of the policy, including the right to name beneficiaries and to access the policy cash values.

 

Final Expense

Our Final Expense policy is for those individuals who are no longer approvable with the regular insurance plans typically around the age 50 to 80 years old.

 

Wealth Builder Team Business Opportunity

The Market Place: poised to ignite an explosive opportunity in replacing 150,000,000 currently enforced life insurance policies that has no Accelerated Living Benefit riders. If we replace a million policies per year, it could take 150 years to replace them all. Very few insurance carriers have Living Benefits riders in their life insurance policies.

 

We are partnered with powerful alliances with F&G, American National, AIG, National Life Group, Athene, and Phoenix. Our compensation is second to none for personal production. At the time of this writing, our Training Representative starts at 30% comp level, Division Manager at 45%, Regional Vice President at 70%, and Field Chairman at 96%. There is also Generational Overrides up to 15%. The max payout is 115%.

 

Builders Compensation: Become a Leader and build a team. We offer people from all walks of life a unique opportunity that allows each person to have greater control of their career, income, and time. We are about creating opportunities and presenting possibilities for our producers. The goal is simple: help people just like you to become business owners so that you can take control of your life and your financial future to achieve your dreams.

 

12 Ways to Get Paid:

1. Personal Sales

2. Training Sales Reimbursement

3. Split Sales

4. Level Spread

5. Generation Spread

6. Personal Renewals

7. Builders Renewals

8. Infinity Overrides

9. Base Through 1st Bonus Pool

10. RVP Bonus Pool & CEO Bonus Pool

11. Equity Share Points (ESP)

12. CEO Bonus Pool

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