|
continued
Second is your
health and ability to work and earn and income! Next
would be your home and all the equity being built.
I do not believe I need to say anything more as it
relates to how important these three things are.
The fact that you are at this site is an indicator that
you have some concerns about protecting these things!
Bottom-line when it comes to being impacted by a serious
accident or catastrophic illness ...it is not a matter
of if
as it is when.
One or the other can be cause for Pre-mature Death, however it is
four to five times more likely you will survive physically.
Question is will you be adequately
prepared financially via transferring the risk (insure against
losses) or will you be wiped out? The
choice is yours while you are in good health.
Tomorrow things can change!
While your thinking about it Fill out a preliminary questionnaire
Click Here: TO FILL OUT PRELIMINARY
QUESTIONNAIRE ONLINE
Questions? Call 623-505-6311 Leave Message
and Best Time to Call Back
My insurance experience dates back to 1972 when
I started with Mutual of Omaha, back when "Wild Kingdom with Marlin
Perkins was the only wild life show being aired on Television.
If you are serious about getting the best possible options to
protect your family, you need not look no further. As a broker
I have access to thousands of carriers, so there is no excuse to use
shopping as a delay. So don't waste your time talking with
numerous agents that play games with numbers. If it seems
cheap, there is always a reason. Chances are that reason may
not be in your best interest. Cutting the wrong corners to get
the sale is self serving and may not be in your best interest.
I put your family first above all else! I am not
desperate to make a sale for the sake of the sale.
My mission and passion is to help others
avoid what I have been through first hand. I
believe in family security and tradition! Solid families and
businesses are what keeps America strong! It is devastating to
learn you have become part of the statistics, when it happens.
Medical bills can not be written off in a bankruptcy, the laws have
changed! They will take your house and everything you own to pay
hospitals and doctors. So do not procrastinate and leave your
self vulnerable or your family in jeopardy! The most important
Asset you have is your family. You can replace a home, car and all
your belongings. You can't replace family! Second is
your health and ability to work and earn and income! Next would be
your home and all the equity being built. I do not believe I
need to say anything more as it relates to how important these three
things are. The fact that you are at this site is an indicator
that you have some concerns about protecting these things!
Bottom-line when it comes to being impacted by a serious accident or
catastrophic illness ...it is not a matter of if
as it is when.
One or the other can be cause for Pre-mature Death, however it is
four to five times more likely you will survive physically.
Question is will you be adequately
prepared financially via transferring the risk (insure against
losses) or will you be wiped out? The
choice is yours while you are in good health.
Tomorrow things can change!
While your thinking about it Fill out a preliminary questionnaire
(If you too have had any of one of
these happen to you and you have been unable to get life insurance
and you are between 40 and 80 I can help you!! See Important
Announcement on bottom of the left column,)
Click
Here for Guaranteed Issue Life Coverage
Below is a
table of circumstances, I have been successful with!
|
Health
Challenge Success Resources |
|
Health |
Issued |
|
Diabetic onset age 50 or older
A1C score less than 7.0 |
Standard Plus |
|
Sleep Apnea for mild or moderate
cases with CPAP use |
Best Class |
|
Active Military Duty with orders |
Best Class |
|
Male or Female build 6'+ 294lbs |
Standard Plus |
|
Parents died due to cancer
prior to age 65! |
Best Class |
|
Non-tobacco rates on with current
cigarette use OK |
Standard |
|
non-smoker rate for any
non-cigarette nicotine! |
Standard Plus |
|
Pilots private or student - No
Extra's or Table rates |
Standard |
|
on UL if offered Table 3 up to
$10,000.000 |
Standard |
|
Cholesterol up to 274 |
Standard Plus |
|
Asthma with Steroid Inhaler |
Best Class |
|
with Hepatitis B it is possible
to get |
Best Class |
|
with Hepatitis C it is possible
to get |
Preferred |
|
Breast Cancer Stage 0 in SITU, no
waiting |
Standard |
|
Elevated Liver Function Score |
Best Class |
|
Depression treatment |
Best Class |
|
Sibling History issues - |
No Questions |
|
Foreign Nationals living in other
countries -Term or UL |
Foreign Nationals |
|
Client Diagnosed with Prostrate
Cancer 2 week later was approved for Guaranteed
Issue Whole Life. |
Modified Benefit Plan |
|
Just a Few
of the Companies Utilized (Shopped)
to achieve the
above resultes |
|
AIG •
American National • Aviva • AXA Equitable • Banner •
Genworth Life
The Hartford • Indianapolis
• John Hancock • Lafayette Life • Lincoln Benefit
Met Life • Mutual of Omaha • North American •
Prudential • Transamerica
Union Central •
United of Omaha • West Coast Life and many others!
R. L Theall Agency
is "The World's Best" when it comes to
insurance coverage and financial planning niches! |
You have seen rates on
TV ... I have Low Rates Too !!!
How about Return of Premium???
| 40
year old Healthy Male Non-Smoker |
$250,000
$11.59 per month |
| 40
year old Healthy Female Non-Smoker |
$250,000 $
9.46 per month |
What they don't tell you
is... 1. This is a 10 year term policy. 2. In order to qualify for
these rates you must be in Perfect Health and within the specs of
Proper weight and height, etc. etc. If you want to cut through
the chase and avoid all the games that agents play to get in the
door you have found the right place. Although it is possible
to get these rates
(I have clients that qualified for
these rates.)
the average realistic rate for this amount of coverage is
approximately $24 per month plus or minus $5.
Rates vary according to health, lifestyle, length of coverage,
amount of coverage and various
options. Once you provide me with adequate information, I
develop a few different quotes to choose from. The first step
is to fill out a brief questionnaire online
(see
below). Next a brief phone
interview if needed. Second step is for me to shop various company's for the best
quotes. If everything is satisfactory most everything else
can be handled by mail.
Testimonials
This was
a refreshing experience, I got exactly what my family needed with no
hype, no pressure quoted standard rate policy came back preferred
and saved 33%. C. V. Phoenix Az
I had
been declined by a other companies due to being recently diagnosed
with Prostrate Cancer. Duke was able to get me coverage with no
health questions or exams. What a big relief C.
C. D. Peoria Az
I have a better
understanding of what I have, versus what else I needed. This
was a very educational - non-intimidating approach. As a
result I was very comfortable with the selection of proposals
presented. Saved both time and money with out having to
deal with multiple agents/appointments and or medical exams. M. M.
Phoenix
Question's you
should ask your self!
What are your Priorities?
People
do not plan to fail, sometimes they fail to plan!
-
We all
have good intentions. However, unexpected events can occur, that can
be devastating for you and your entire family!
-
Don't
put off tomorrow what you can accomplish today!
How valuable is your time?
-
Don't
get caught in the trap of "Paralysis by Analysis" via the excuse
of "think about it" or "shop, shop, shop". This site is
designed to save you all the headaches of numerous appointments with
numerous agents!
-
Each
succeeding agent will appear to beat the previous quote
by... eliminating options, changing the type of coverage in
order to make their quote look favorable.
-
So
stay focused on priorities and do not get caught in the game
of who has the cheapest rates. "Your going to get what
you pay for!"
-
Ultimately if you compare apples to apples with no major
adjustments monthly premiums may vary plus or minus 10
bucks.
-
I
offer multiple quotes, top most being the Full Boat with
Return of Premium, Accelerated Benefits in the event of
being diagnosed with Critical Illness, Waiver Premium, a mid
range solution, and a low end option that resolve the most
critical issues.
If My Quotes Solve your Problems & Meet Your Needs, than what
else is there to THINK about?
-
You can save time and inconvenience, by filling out a brief
questionnaire online.
-
A brief interview on the phone.
-
Some times everything else can be handled by mail.
-
Sometimes policies can get issued without any medical exams.
It
depends on the amount of coverage and health circumstances.
-
If an exam is required it can be set up at your home at your
convenience. A professional Para-medic can be
scheduled to perform the exam via checking all your vitals,
blood pressure, weight, and height etc.
WOULD YOU RATHER HAVE A HEART ATTACK AND LOSE
YOUR HOUSE... OR HAVE A HEART ATTACK AND PAY OFF YOUR MORTGAGE?
FACT
- More Foreclosures are caused by disability than death!
FACT
- The odds are 4 to 5 times you will experience a disabling
catastrophic illness and survive than to die prematurely!
The only way you can be certain your family is safe is with a review
of your Insurance Portfolio.
Don't Let
Procrastination or The State of Denial Make A Monkey Out of You!
Click Here: TO FILL OUT PRELIMINARY
QUESTIONNAIRE ONLINE
Questions? Call 623-505-6311 Leave
Message and Best Time to Call Back |
Introduction