Although I easily passed FINRA'S Series-65 examination, after several interviews I decided not to affiliate with a Florida registered advisory firm. I do not handle stocks or mutual funds, nor provide advice on stock market investing.
After reading considerable financial material including a booklet published by Consumer Reports Magazine, I built one of the country's largest independent agencies selling term life-insurance and deferred annuities. It expanded into three managed offices as I hired, trained, and licensed more than thirty responsible agents. I then wrote the hugely influential book, Financial Recovery.
Based on my own experience, I can help you, if you wish, with information on the following subjects:
- Low cost pure term life-insurance (no funny overcharges), including huge coverages.
- Guaranteed Issue Life-Insurance — You might be pleasantly surprised.
- Single-payment and flexible-payment fixed (and market indexed) DEFERRED annuities
- I can select agents for you who are licensed to sell life, health, and accident insurance.
The subject of life-insurance can be confusing. If you have had an application for life-insurance rejected, or been told that coverage would be outrageously expensive, I may be able to help you and also discuss any other questions or concerns based on my experience with the industry about which I wrote the book, Financial Recovery.
Financial Recovery was largely responsible for the industry's creation of Universal Life Insurance. UL consists of annually renewable term life-insurance combined with flexible overcharges that create its CASH VALUE, permitting agents to pitch it, as usual, as an investment. If owned today, I am suggesting that it be either sold, if worthwhile, with professional oversight, or replaced appropriately if a need remains for insured financial protection. For the reasons, see items #92, #93, #94, #95, #96, and #97 within the online book's updated bibliography.
Use caution if you are recommended an immediate annuity or the annuitization of your own savings (giving them to a life-insurance company in exchange for repayments per contract). This can also be a confusing subject. If you wish to discuss it without any obligation, feel free to contact me and I will do my best to help you in conjunction with your chosen professional advisor(s) and state-licensed insurance agent.
A.L. Williams' outstanding success in exposing the world's weathiest industry nationally was not jeopardized by the popularity of Financial Recovery. That remarkable Organization needed neither my book, nor printed copies of its Appendix #1, to be outstandingly successful. With three teen-agers and a younger child at home (my partner's three children and my own teen-age son), along with training agents and managing my business, I had no plans to get licensed in other states. Shortly after my son was employed and married I moved to Sarasota, Florida.
Summary:
After reading an article about life-insurance in Consumer Reports Magazine, I decided to help families understand and recover from the mistake that, over the years can be hugely damaging financially, of buying a life-insurance policy as an investment. I wrote Financial Recovery while building one of the largest personal lines agencies in the country, having three offices in central Ohio.
To understand why I dedicated Financial Recovery to the late Senator Philip Hart of Michigan, read the book's Introduction.
I gave public seminars twice a week (Tuesday evenings and Saturday mornings) that persons interested in their own family's finances or in a worthwhile personal career were welcome to attend. Those who decided to join us were given help in the licensing procedure and assigned to one of my three Columbus, Ohio offices (managed by general agents) when completing seminar attendance.
Information about that hugely successful business can be found online at www.WiseBird.com.. In addition to publishing FinancialRecovery, I hired and trained over thirty agents in Ohio, appropriately replacing cash-value policies with a variety of term insurance for family financial protection, redirecting previous overcharges to personal IRA's, and retired to Florida.
During those same years, by marketing nationally on a multi-level basis, a creative entrepreneur became a BILLIONAIRE
An entrepreneur who sees this opportunity and joins me will make a fortune.
With today's internet, the time has returned for a nationally licensed insurance brokerage business (or a unique company that has A LEADER OF PRINCIPLE) through a team of branded Wisebird agents to reposition TRILLIONS OF DOLLARS in overcharges that have been pitched as "investments" over the past forty years by life insurance salesmen
SEEKING 2024 WORKING PARTNER(S) and/or financiers interested in turning a few
thousands of $$$ into MANY millions.
In doing the right thing again, you must be willing to butt heads with the world's wealthiest industry. Call me.
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