Allianz Fixed Index Annuities

Did your savings take a hit when market dipped?

Are you prepared if it happens again?

Then, consider of Allianz Fixed Index Annuities - PremierDex Series.

Because Allianz is:

- #1 in America in sales of Fixed Index Annuities

- #2 in America in sales of Fixed Annuities overall.

With an innnovative crediting method, an unpredictable market isn't so intimidating. Allianz PremierDex Annuities allow your investments Growing without the fear of Pain. So you can:

- Take advantage of potential market index gains

- Protect your principal

- Experience tax-deferred growth potential

- Plus, choose from produts that offer long term potential growth combined with the bonuses, guaranteed interest rates, the ability to lock in your best year's gains, and more...!

Call me and I 'll tellyou all about it.

Global Health Insurance Solutions

A Complete Portfolio of Travel and Int'l Health Insurance

For leisure or business? Relax! Your solution is HTH Worldwide 's healthplan(s) which provides you with international medical services featuring unsurpassed access to a carefully selected community of top-flight hospitals, doctors, and behavioral health professionals.

Coverages can be Longer term for:

- Global Citizen with annual renewable plan for episodes of international living. This is designed for US Citizens living abroad at least part of the year, or foreign nationals living in US.

- Global Citizen EXP with all the features of Global Citizen but without US coverage. This plan is ideal for seniors covered under Medicare or individuals covered by a domestic health plan.

- Global Student Health with a renewable feature as long as you are engageed in full-time study. This plan is fit for US stuent abroad and foreign students in the US.

Shorter Term Policies include:

- TravelGap Single Trip designed to cover you when traveling abroad.

- TravelGap Multi Trip - annual plan for international and domestic trips, unlimited up to 70 days per trip.

- Trip Protector - comprehensive travel plan to protect your vacation investment, featuring:

* Trip cacellation/interruption benefits including financial default for all travel suppliers.

* Up to $250,000 in medical protection and $1,000,000 medical evacuation.

HTH Worldwide provides all the tools for your need to manage health risks, including finding the most qualified doctor and clearly communicating your medical condition.

Explore yourself the solutions and benefits as well as the protection your health while traveling by linking the following Website:

http://www.hthtravelinsurance.com/prdCobrand/index.cfm?link_id=28223&header=y&personalized=y

Have a wonderful trip!

New Approach to Long Term Care Insurance

The Growing Cost of Long Term Care

Under the traditional LTC insurance, you pay an annual premium for an insurance policy that will pay your nursing care in the future. It's hard for so many people finding being tough to shell out a LTC insurance policy that they may never use. But the costs keep rising (they can be more than $70,000.00 per year) - so you need to take a hard look at your finances to see if they could sustain such a devastating blow. After all, you insure your car and your home, so why not your well-being?

Introducing a Solution

Now there's a solution that allows you to buy LTC coverage and have the comfort of knowing that your premium dollars will not be wasted if the coverage is not used. This new product combines the best features of life insurance and long-term care into one designed package; it is typically sold as a universal life contract that requires a single premium and that funds an accidental death benefits rider to pay out long-term care benefits if needed.

A single premium payment into this Universal Life product combines three features in one product -

Combo LTC/Life Policy:

1. Tax-Deferred Cash Accumulation Account - Asset protection

2. Life Insurance with An Income Tax-Free Death Benefit

3. Income Tax-Free Long-Term Care Benefit

Once the premium is inside the Universal Life (UL) insurance policy, the account value earns an interest rate (typical at least 4%) on tax-deferred basis, building up a cash value reserve that can be used tax free to cover nursing or home care costs.Any money that is not spent on nursing care benefits will be distributed to yours heirs as an income tax-free death benefit under Internal Revenue Code Section 101(a)(1).

Funding the Plan

This type of LTC/Life plan typically requires a one-time lump sum deposit amount rather than the traditional monthly or systematic premium payments. Therefore, you're entering into an asset transfer process that will require you to uncover "lazy asset" to invest in the policy. Common assets considered for investment include ban certificate of deposit (CD), savings accounts and other fixed-income investments. You might also find a variety of previously issued permanent life insurance policies with cash value that you can combine and use as the initial transfer into the LTC/Life contract.

As with all life insurance, medical underwriting is required for those applying for a policy. As the Insured, you can simplify this process in one of two ways:

- You can structure the policy as a Modified Endowment Contract (MEC) to reduce the amount of pure risk

in the contract.

- You can also do a joint life underwriting, where typically only one of the spouses has to be reasonably healthy for the policy to pass through underwriting.

Conclusion

By including an LTC/Life plan in your retirement portfolio, you gain the opportunity to leverage a lump sum of your retirement savings for multiple benefits on both generational wealth transfer and long-term care protection on a tax-favored basis. If you decide not to obtain an LTC and choose to "self-insure" instead, you need to set aside a significant amount of money to cover all the risk.

This new type of LTC/Life policy helps you to avoid the frustration of paying premiums for a long-term care policy that might never be used. It also work as an effective estate planning tool that allows you to remove the premium from your taxable estate or to have the policy owned by your adult children, thus also allowing the death benefit to be removed from your estate.

Long Term Care Insurance from John Hancock

Are you Half-Your-Life old?

If you are:

- What have you learned in your First-Half?

- Have you been healthy in your First-Half?

- Have you been happy in your First-Half?

- Have you attained financial freedom in your First-Half?

Then what more do you want to learn in your Second-Half?

- Do you want to be healthier, happier, wealthier,and more independent in your Second-Half?

- Do you want to protect what you have achieved in your First-Haff?

Look at yourself in the mirror. Do you like what you see? If not, do something about it today!

Eliminate obstacles. Find solutions. Search for your Options. Regconize that there are Options.

Today is your First day of your Second-Half of your Life. Plan your future with CARE.

Hint No.1 - Long Term Care Insurance from John Hancock

There are several important reasons for purchasing Long Term Care Insurance (LTCI):

- Peace in Mind: Reduce the uncertainty. You can exchange a small, affordable, and certain expense for the possibility of a large uncertain expense that could be financially devastating in the future.

- Flexibility and freedom of choice: If you use the Medi-Cal system to fund your TLC expensees, the State will make all the importance decisions for you. You get no choice.

Purchasing a Custom Care Partnership policy gives you many advantages. If you ever need long term care services, you can rest assured that you have a policy with comprehensive benefits that covers many types of care - whether it's in your home, a residential care facility, or, if required, a nursing facility.

- Independence: Most people are proud of being independent, both physically and financially and do not want to have to rely on their family, friends or State when the need of care arises.

- Asset Protection: Many Seniors have amassed considerbale wealth in the form of cash, home equity, bonds, IRA's, cash value in life insurance, etc... They would much rather pass this along to their heirs than to see it all spent down on LTC expenses, and then, once their assets were gone, to find themselve dependent on others or on the State.

With Custom Care Partnership from John Hancock, the policy provides additional security to prevent hardship by protect your assets up to the amount of benefits received.

Bottom line is that You want the freedom to live your life to its fullest, with dignity and independence while having powers to protect your achievements in your First-Half.

Please give your comments on the issue or send to me an email for further discussions (and more hints).

Why Supplemental Protection? - Aflac

Major Medical Insurance is designed to pay the doctors and hospitals.
Aflac is designed to PAY CASH to you in the event you are hurt or sick.
No matter how good your major medical insurance is, you can't take that insurance card shove it in the ATM and pull out CASH to pay your bills.
Why exhaust your savings, cash out your 401K, sell your car, take out a second mortgage, borrow from friends and family. Let Aflac pay CASH directly to you so You can use it for whatever you see fit.
When you are sick or injured, everything else becomes secondary. The moment is all that counts as you deal with your emotional, physical, and financial resources to get back on your feet as quick as possible. The concern for a growing number of American is the increasing the burden of uncovered and out-of-pocket expenses (even they have major nedical insurance).That's why you need Aflac. In the matter of days, we providethe money you need to help with deductibles, co-pay, treatment-related travel, daily living obligations, loss of income earning power - any of life's neccssities. You have the option of getting the benefit checks directly without getting anyone's permission, by obtaining Aflac program directly.
Either way, with Aflac you are covered!
And without Aflac, no insurance is complete!
Your healthcare is your benefits, and nesteggs.... Let's discover
Send your email to dqmagency@gmail.com we can discuss.