Our Blog
“CARES Act” top secrets for business & personal relief.
Last Friday, Congress agreed on the terms of the CARES Act (Coronavirus Aid, Relief, and Economic Security Act). No doubt you’ve heard about the big new stimulus/relief bill for American workers and businesses. You might have even heard that you’ll receive a check or...
New Financial Tool Kit!
We are all experiencing “new” ways of living, working, and figuring out our social lives. “Under pressure, you don't rise to the occasion, you sink to the level of your training. That's why we train so hard.” -Unknown U.S. Navy SealWe’ve put together a fundamental...
“Clients only” secret to reducing financial stress
During any time of stress, it’s powerful, reassuring, and relieving to know where you are financially. Here’s how…We work primarily with three life insurance companies. Here are the contact webpages and phone numbers for you to use in getting your exact cash value or...
Everything is changing so quickly.
Everything seems to change so quickly these days. Today, I STOPPED and thought, well… okay, so what is the same? I know my love for my family is not changing…I know my Vaults are not changing… My commitment to health is only increasing… My love and commitment to...
CoronaVirus Killing My Life Insurance Savings Plan?
We sincerely hope you and those closest to you are doing well as the COVID-19 (the new coronavirus) outbreak continues to affect businesses and communities throughout the country. We value our relationship with you and want you to know what we’re doing to maintain it...
WTF is going on in “Wall Street”?!
WTF is going on in “Wall Street”?!?! Well, interestingly enough I don’t follow the exact numbers on a daily basis, so I had to Google it… The stock market… it's going down…Bordering what they call Correction Territory… Blaming it on the scary-sounding “COVID-19” virus...
Annual Refresher Video
If you haven’t met with us for a while, this is a great chance to catch up on the core financial values of your Vaults. Even if you are not planning to meet personally with michael, we invite you to complete the annual review document and place it with your policies...
Who/what can be the beneficiary and can it be changed?
The beneficiary of your life insurance policy. If you were to die today, where would you want that cash to go? Would you want it to go to your spouse, partner, significant other, straight to your kids or would you most likely want it to go into your living trust that...
How long do I have/need to pay premiums for?
How long do I have to pay premiums into my life insurance policy? How long do you want to pay premiums into your life insurance policy? For as long as you can. As long as money is coming into the front door, then it's going into life insurance policy because it's the...
How long do I need to be nicotine free to be considered a Non-Smoker rating?
2 Years, You must be nicotine-free (cigarette, pipes, snuff, chewing tobacco, patch, gum, vaping, e-cigarettes, etc.) for 2 years to get a non-smoker rating. If you bound your policy with a tobacco rating, then we can easily place you back into underwriting during the...
If I get a less than Standard rating (or lower rating), can I reapply?
Yes, If you bound your policy with a less desirable rating, then we can easily place you back into underwriting during the anniversary date of your policy. This is another great reason to schedule and attend your annual review meeting each year. If you have not yet...
I have had health problems, can I still be considered for insurance?
Yes! You are not alone and it does not mean that your #1 Asset is any less valuable. Depending on your health history we may still be able to get you approved. We will simply submit a pre-underwriting inquiry with details of your health history. Once the underwriter...
When I sign the application, am I locked into the amounts on the application?
No! When we submit your application we are only requesting to find out how much death benefit and at what rating the life insurance company will offer to you. Think of it similarly to getting your home or business appraised. (Only in a much more human way.) Once we...
How do I prepare for the medical exam?
Do’s Get a good night's sleep Ensures the best resting pulse Stay hydrated Drink a glass of water 1 hour before the exam Makes for an easier blood draw Document medications Prescription and over-the-counter medications including vitamins, herbs and supplements Notify...
What will happen during the exam?
If the insurance company requests a medical exam you will receive a phone call directly from the examination company to schedule an appointment. The fees for this exam are covered by the life insurance company and generally the examiner will come to your home or your...
What does the underwriting process consist of?
What is Underwriting? Underwriting is a life insurers term for the time the insurance company is appraising the risk involved in offering you insurance. They take into account your health, lifestyle, and medical history to ensure that the cost of the insurance is...
How long does the underwriting process take?
Typicaly the “underwriting" process takes about 30 days from when your application was submitted. Sometimes the process happens much more quickly. However, depending on if an exam is needed, if doctor records are needed, or if additional forms are needed, and how...
How do I make a change to the amount I pay into my policy?
Term policy: Term policies have a fixed premium, you can not pay more or less than that premium. If you are in a situation where you will be late or behind on a premium payment, call our office so that we can figure out options for you. For example, if you also have...
Get Your Free Hardcover Books!
Get two hardcover books from our founder, Michael Isom, What Would the Rockefellers Do? (with Garrett Gunderson) and What We’re Worth.
In these books, you’ll discover the secrets of the ultra-wealthy for protecting, growing, and passing on wealth for generations.