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From: UHL/UFFL <noreply@unitedhomelife.com>
Date: Thu, Sep 6, 2012 at 5:17 PM
Subject: Whole Life Coverage For Declines And Uninsurables!
To: ccouchon@gmail.com

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Guaranteed WL Coverage

For Declined or Uninsurable Clients

Guaranteed Issue Whole Life Offers:happy couple  

  • Coverage for insureds age 45-75.
  • Face amounts from $5,000 – $10,000.
  • Permanent coverage.
  • Guaranteed premiums.
  • No health questions.
  • No medical exams.

For more information, see our new whole life agent guide.  Click here to view now.

 

 

Product availability varies by state.  GIWL is an endowment policy with a benefit payable on the policy's maturity date or at the insured's death prior to age 100.  Graded death benefit for the first three policy years.  GIWL can be no more than 25% of an agent's sales – see agent guide for details and other caveats.

Simplified Products – Faster Results

United Home Life Insurance Company

United Farm Family Life Insurance Company

(800) 428-3001

 

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This email was sent to ccouchon@gmail.com by noreply@unitedhomelife.com |  
United Home Life Insurance Company | 225 S East St | Indianapolis | IN | 46202

Guaranteed Whole Life Coverage..

For Declined or Uninsurable Clients…

Guaranteed Issue Whole Life Offers:  

Coverage for insureds age 45-75.

Face amounts from $5,000 – $10,000.

Permanent coverage..

Guaranteed premiums…

No health questions..

No medical exams…

Call Chris Couchon

For A Free Quote At

401-236-1992..

Comments from our not so informed Readers:

Help us keep this a respectfully Foolish area! This is a place for our readers to discuss, debate, and learn more about the Foolish investing topic you read about above. Help us keep it clean and safe. If you 

believe a comment is abusive or otherwise violates our Fool's Rules, please report it via the  Report this Comment icon found on every comment.

Report this Comment On September 15, 20xx, at 8:28 PM, Xxxxxxxxx wrote:
What about this concept about "legal reserve"? Each company is supposed to have more on deposit than in policies. Additionally, the financial trouble of a parent company cannot lead to the looting of this 

annuity company's balance sheet. Any comments?

Report this Comment On September 16, 20xx, at 10:14 AM, Xxxxxxxxxx wrote:
It makes me crazy everytime one of you stock pushers want to slam insurance products. What's the matter, can't sleep at night because you cost that senior their entire portfolio? If you had $100,000 in the Dow 10 years ago you would have $121,557 today…now if you had placed those funds in an annuity you would have $248,129 today…I'll take the annuity. Numbers don't lie! Granted a Fixed annuity is not for everyone, and I would NEVER recommend a variable annuity to one of my clients…but if you have a 401K or IRA…it may very well be the safe and sane move you need to make.

Your article is designed to frighten folks away from annuities…By scaring them into thinking their money isn't safe, it's safer than the bank! And more productive. Well, lets look at a couple thing…in the bank, they have to have 3 cents, yes that's right, 3 cents on reserve for every dollar of money invested with them, ie your CD, Savings, etc. FDIC what does that stand for? Federal Deposit INSURANCE Company. 

HMMMM…you have an INSURANCE company, INSURING the bank deposit. And in the next sentence you are slaming INSURANCE companies. Well my friend, FDIC has 20 years to pay you back those funds. They are no longer rated, because their rating was so bad. You are only insured up to $100,000. And let's look at that great interest rate your client is getting at the bank…hm..1-2%? Well, inflation has just eaten that up and your client will be taxed on the interest received each year, so now they are in the hole! Yes, your advise is very sound financially, makes nothing but sense to put my money in a CD and pay the government to keep it there while I lose money with inflation. Yes, that's bright.

Now let's take a look at your insurance part of your portfolio. Every INSURANCE company must have a reserve on hand that is more than equal to their client's investments. The problem with AIG is they got into the broker business, wallowed with the pigs on wall street and they are scrambling to pull their fat out of the fire.

Yes, take a look at your insurance company, find out what their reserves are, ask a LICENSED INSURANCE AGENT, NOT A BROKER for a recommendation. That recommendation should be made after a careful review of your entire financial situation. If that agent recommends that you put your entire portfolio into a single insurance product, walk out. You should always be diversified, you should always have cash on hand, 6 months reserve in the bank and then a carefully designed portfolio of products to address your goals.

I cannot tell you the number of clients that are ringing me off the hook yesterday and today, wanting to roll their investment money off wall street. I sleep at night, my client's sleep at night, those that made 

the move last year when I predicted that the DOW would drop into the 10K range are sleeping at night, they call me giddy with delight. How many of your Brokerage clients are calling you…I bet your phone is ringing off the hook too…with unhappy customers, people who placed their trust in you and have lost their life savings. Shameful.

And folks, get ready, it's not over. I think we will see a freefall into the 9000 range. You have a housing market that has not hit bottom, we are only half way there if that and you have the largest population in history hitting retirement age in 2011, drawing on the social security system and medicare. This country is in for a long hard ride, hold on Alice!

Report this Comment On September 16, 20xx, at 10:20 AM, Xxxxxxxxxxx wrote:
oh, and your money…in a FIXED annuity…grows TAX DEFERRED! You are actually triple compounding, and if you are receiving social security and being taxed on those funds, you may actually be able to 

relieve a portion or all of that tax burden by shifting your portfolio to Annuities. NO WONDER the SEC is working like a dog to try to get FIA's into their purview. Their brokers have little ability to make money 

for their clients in this market so they have to scramble for a product that will work. Pathetic.

Please call or email me for more information on Fixed Index Annuities

Chris Couchon
RI Licensed Agent # 2080501
NIPR # 14967438
401-585-3582

Comments from our Foolish Readers

Help us keep this a respectfully Foolish area! This is a place for our readers to discuss, debate, and learn more about the Foolish investing topic you read about above. Help us keep it clean and safe. If you believe a comment is abusive or otherwise violates our Fool's Rules, please report it via the Report this Comment Report this Comment icon found on every comment.

  • Report this CommentOn September 15, 2008, at 8:28 PM, jamesboss wrote:

    What about this concept about "legal reserve"? Each company is supposed to have more on deposit than in policies. Additionally, the financial trouble of a parent company cannot lead to the looting of this annuity company's balance sheet. Any comments?

  • Report this CommentOn September 16, 2008, at 10:14 AM, Sierrasunrise wrote:

    It makes me crazy everytime one of you stock pushers want to slam insurance products. What's the matter, can't sleep at night because you cost that senior their entire portfolio? If you had $100,000 in the dow 10 years ago you would have $121,557 today…now if you had placed those funds in an annuity you would have $248,129 today…I'll take the annuity. Numbers don't lie! Granted a Fixed annuity is not for everyone, and I would NEVER recommend a variable annuity to one of my clients…but if you have a 401K or IRA…it may very well be the safe and sane move you need to make.

    Your article is designed to frighten folks away from annuities…By scaring them into thinking their money isn't safe, it's safer than the bank! And more productive. Well, lets look at a couple thing…in the bank, they have to have 3 cents, yes that's right, 3 cents on reserve for every dollar of money invested with them, ie your CD, Savings, etc. FDIC what does that stand for? Federal Deposit INSURANCE Company. HMMMM…you have an INSURANCE company, INSURING the bank deposit. And in the next sentence you are slaming INSURANCE companies. Well my friend, FDIC has 20 years to pay you back those funds. They are no longer rated, because their rating was so bad. You are only insured up to $100,000. And let's look at that great interest rate your client is getting at the bank…hm..1-2%? Well, inflation has just eaten that up and your client will be taxed on the interest received each year, so now they are in the hole! Yes, your advise is very sound financially, makes nothing but sense to put my money in a CD and pay the government to keep it there while I lose money with inflation. Yes, that's bright.

    Now let's take a look at your insurance part of your portfolio. Every INSURANCE company must have a reserve on hand that is more than equal to their client's investments. Even AIG, the problem with AIG is they got into the broker business, wallowed with the pigs on wall street and they are scrambling to pull their fat out of the fire.

    Yes, take a look at your insurance company, find out what their reserves are, ask a LICENSED INSURANCE AGENT, NOT A BROKER for a recommendation. That recommendation should be made after a careful review of your entire financial situation. If that agent recommends that you put your entire portfolio into a single insurance product, walk out. You should always be diversified, you should always have cash on hand, 6 months reserve in the bank and then a carefully designed portfolio of products to address your goals.

    I cannot tell you the number of clients that are ringing me off the hook yesterday and today, wanting to roll their investment money off wall street. I sleep at night, my client's sleep at night, those that made the move last year when I predicted that the DOW would drop into the 10K range are sleeping at night, they call me giddy with delight. How many of your Brokerage clients are calling you…I bet your phone is ringing off the hook too…with unhappy customers, people who placed their trust in you and have lost their life savings. Shameful.

    Please call Chris Couchon for more information on safe and secure annuities

    RI Licensed Independent Agent # 2080501 For More Information at 

    Your Independent Agency

    401-585-3582

    ccouchon@gmail.com

    NPR# 14967438

The insurance industry is constantly evolving. Insurance providers are forever trying to refine the balance between cost and coverage. As competition gets stronger, companies are working harder than ever to bring you the best protection at a price you can afford.
Whether you are searching for Medicare supplemental insurance, annuities, life insurance for seniors or niche plans such as guaranteed-issue health insurance, you need to be one step ahead of the game if you want to get the most out of your policy. This is where we come in…
Rhode Island Insurance Specialists
Our agents are expert in the field of insurance in Rhode Island. Did you know that some insurance laws and plan prices differ from state to state? We will help you get the best plan for your money, wherever you happen to live.
No matter what type of insurance you are looking to buy, it is important to us that you get it right first time. This could save you a lot of stress further down the line – and possibly a lot of money as well.
Medicare Insurance for Seniors
As a client, your needs are a priority. We offer several services for retired persons aged 65 and over as well as guaranteed plans for those who have been diagnosed with a pre-existing condition.
Medicare supplemental insurance is one of our most popular product categories, and rightly so. If you spend large sums on out of pocket medical expenses you can really benefit from one of these policies as well as have substantial savings.
Final Expense and Long Term Care Insurance
Your family will always come first; you wouldn’t want them to have to bear the financial burden of your last days. No matter what your age, it’s always good to have a plan as to how you intend to cover these costs. Final expense insurance will pay for your funeral service and other associated costs.
Your standard of living is important to you. Should you be taken ill or suffer mobility problems further down the road, we want you to lead the most comfortable life you possibly can. Long term care insurance makes this possible. It also lifts the burden of care from those around you, improving the standard of living for everyone you hold dear.
We know about the benefits and pitfalls of group versus single insurance policies; employer sponsored health plans; term versus whole life and other insurance ‘gray areas’ that customers often wish to better understand. Please don’t hesitate to call us with your questions, no matter whether you are a valued customer, a potential one, or if you simply need advice.

Chris Couchon
401-585-3582

The insurance industry is constantly evolving. Insurance providers are forever trying to refine the balance between cost and coverage. As competition gets stronger, companies are working harder than ever to bring you the best protection at a price you can afford.
Whether you are searching for Medicare supplemental insurance, annuities, life insurance for seniors or niche plans such as guaranteed-issue health insurance, you need to be one step ahead of the game if you want to get the most out of your policy. This is where we come in…
Rhode Island Insurance Specialists
Our agents are expert in the field of insurance in Rhode Island. Did you know that some insurance laws and plan prices differ from state to state? We will help you get the best plan for your money, wherever you happen to live.
No matter what type of insurance you are looking to buy, it is important to us that you get it right first time. This could save you a lot of stress further down the line – and possibly a lot of money as well.
Medicare Insurance for Seniors
As a client, your needs are a priority. We offer several services for retired persons aged 65 and over as well as guaranteed plans for those who have been diagnosed with a pre-existing condition.
Medicare supplemental insurance is one of our most popular product categories, and rightly so. If you spend large sums on out of pocket medical expenses you can really benefit from one of these policies as well as have substantial savings.
Final Expense and Long Term Care Insurance
Your family will always come first; you wouldn’t want them to have to bear the financial burden of your last days. No matter what your age, it’s always good to have a plan as to how you intend to cover these costs. Final expense insurance will pay for your funeral service and other associated costs.
Your standard of living is important to you. Should you be taken ill or suffer mobility problems further down the road, we want you to lead the most comfortable life you possibly can. Long term care insurance makes this possible. It also lifts the burden of care from those around you, improving the standard of living for everyone you hold dear.
We know about the benefits and pitfalls of group versus single insurance policies; employer sponsored health plans; term versus whole life and other insurance ‘gray areas’ that customers often wish to better understand. Please don’t hesitate to call us with your questions, no matter whether you are a valued customer, a potential one, or if you simply need advice.

GUARANTEED ISSUE WHOLE LIFE

True Guaranteed issue whole life insurance;  No health questions, No medical examNo blood workNo underwritingNo kidding! Your premiums are guaranteed, and cannot go up, and best of all you cannot be turned down! This is a tremendous sigh of relief for those of us who may have major health concerns, finally a policy that you can get approved for even if you have been turned down in the past! Call us for a free quote at             888-405-1903       or email us at ccouchon@gmail.com

Or for a free quote Visit Our Website at http://www.lifeinsurancequote.tk