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Dylan Crane – To Be The Best

  • Post author:ssummers02
  • Post published:January 9, 2026
  • Post category:podcasting

What goes through the mind of a number one producer?  This one says I still haven't done anything yet. There is always room to improve.  It's what in Dylan's heart…

Continue ReadingDylan Crane – To Be The Best

Shooting you straight with Danny Souri

  • Post author:ssummers02
  • Post published:May 15, 2025
  • Post category:podcasting

Please join me in a talk that is raw, real and might surprise you a little. Danny Souri is a guy who will shoot you straight. He's driven and has a heart…

Continue ReadingShooting you straight with Danny Souri

Born and raised in Hotlanta GA and open to what this universe holds!

  • Post author:ssummers02
  • Post published:April 15, 2025
  • Post category:podcasting

New to the financial services industry, with only a year and some change under her belt, but she is grabbing this with both hands and seeing where it takes her.…

Continue ReadingBorn and raised in Hotlanta GA and open to what this universe holds!

Warrior, Trauma Survivor, Author, Sales Coach, Momma, Truth Seeker – Ashley Richard

  • Post author:ssummers02
  • Post published:February 25, 2025
  • Post category:podcasting

There are a lot of words and titles we could throw around... Excuse Eliminator is one of them. Ashley has been in the dark and is now showing us her…

Continue ReadingWarrior, Trauma Survivor, Author, Sales Coach, Momma, Truth Seeker – Ashley Richard

Got Knocked Down, But I got Up Again – Jessica Olsen Story

  • Post author:ssummers02
  • Post published:January 29, 2025
  • Post category:podcasting

Just like the song by Chumbawamba, I Get Knocked Down, But I get Up Again, Jessica Olsen can relate. Listen to our chat about the struggles we go through but the strength that comes…

Continue ReadingGot Knocked Down, But I got Up Again – Jessica Olsen Story

Hey Now! Scott Interview with Kevin Purdy

  • Post author:ssummers02
  • Post published:December 16, 2024
  • Post category:podcasting

Kevin shares his journey from his youth struggling to make a career in financial services. He finds his calling in the sales industry selling home improvements. Kevin shares his love…

Continue ReadingHey Now! Scott Interview with Kevin Purdy

Kelly Interview with Jim Rustman

  • Post author:ssummers02
  • Post published:December 16, 2024
  • Post category:podcasting

Everyone wants to be inspired. They are looking for the next thing to motivate them. Sometimes looking within is where it's at. Jim Rustman comes from a law enforcement background and there…

Continue ReadingKelly Interview with Jim Rustman

Drew Woodley Unplugged

  • Post author:ssummers02
  • Post published:November 22, 2024
  • Post category:podcasting

Kelly ties down this gal from Rio Rancho, New Mexico raising her kids and building her dreams. Only been here a year and she's acting like an owner, because she…

Continue ReadingDrew Woodley Unplugged

Danny Young Interview

  • Post author:ssummers02
  • Post published:October 21, 2024
  • Post category:podcasting

Kelly catches up with the iconic SFG leader Danny Young. Tune in to listen about his views about relationships. He just celebrated his 55th wedding anniversary to his beautiful wife…

Continue ReadingDanny Young Interview

Ruth Slingo, Living a life of purpose

  • Post author:ssummers02
  • Post published:October 16, 2024
  • Post category:podcasting

SFG Agency Owner Ruth Slingo discusses family,  life transformations and challenges she has had to overcome. Ruth has found a new sense of purpose by helping her clients get out…

Continue ReadingRuth Slingo, Living a life of purpose
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Return of Premium

If you purchase an ROP with your Term Life policy you’ll make monthly payments to keep your policy active. If you’re still living when the policy term ends, the insurance company pays back all or some of the money you spent on payments, depending on your policy, in the form of an ROP benefit.

The money back from your term life insurance may not be taxable.

Critical Illness

If you’re diagnosed with a serious illness, a Critical Illness insurance policy pays a lump sum to the insured to help offset expenses from a variety of covered conditions, so you can focus on getting well.

What it covers
ALS
Internal Cancer or Malignant Melanoma
Heart Attack
Stroke
Alzheimer’s Disease
Major Organ Transplant
Blindness
Paralysis
Deafness
Kidney Failure

Disability Coverage

1 in 4 people in their 20’s will be disabled before retirement.
Disability insurance replaces your income if you’re injured, or sick for a prolonged period of time. This coverage pays you a monthly check until you are able to work again just like your regular paycheck so you can avoid falling behind on any expenses if you’re out of a job.

Short-term disability insurance can cover you for a matter of months, while long-term disability can pay out for years.

Accident Coverage will pay
Injuries Sustained

Accident and sickness pays

Injuries Sustained

Muscle and joint disorders

Nerve damage

Chronic fatigue

Back pain

Whole Life

Whole Life or Permanent Life, remains valid for as long as the premiums are paid, regardless of the policyholder’s age or health status.  This is the preferred type of product when clients have one or more health issues.  Coverage can be secured with any health issue or condition for individuals over the age of 50. Unlike Term Insurance, a Whole Life insurance policy builds cash value at a very low percentage (in comparison to Universal or IUL) over time. Accrued funds can be loaned anytime and used for various expenses tax-free.

             Advantages 

  • Insurance for life
  • Builds cash value
  • Easiest coverage to get health wise

Universal Explained

Universal life insurance gives the ability to adjust your premium payments. It offers a cash value component. You can take money out of cash value via a withdrawal or policy loan.  It offers the insured permanent coverage and can be cheaper than whole life insurance because it doesn’t offer the same guarantees.

Benefits of Universal Life Insurance

  • You can vary premium payment amounts and adjust the death benefit amount, within certain limits.
  • Universal life insurance policies have a cash value component, although some build minimal cash value.
  • If you build up cash value, you can make withdrawals or take out a policy loan from your cash value.
Term Explained

What Is Term Life Insurance?

Term has a defined period. Ranging from 10 to 30 years. If the insured individual dies during the term, the policy pays a death benefit to the beneficiary(ies). There are several types of Term Life insurance policies, including level term (The most popular type of life insurance.) This type of coverage has a level death benefit for the duration of the policy. Decreasing term, was popular in the 80’s, it had a decreasing death benefit and premium. Term Life is the most popular insurance for clients that have high amounts of risk during their earning years.

Key Advantages

Affordability – The ability to get a lot of death benefits for the least premiums.

Convertible Term – Allows the insured to convert a portion of the policy to whole life prior to turning age 70.

Living Benefits – Critical Illness, Disability Payments, Chronic Illness to name a few.

Annuity Info

 

Fixed Index Annuities

Fixed index annuities or FIAs provide investors with the growth from market index, with a 0% floor on market downturn.  This makes investing for people closer to retirement to change their strategy from aggressive growth to protecting assets with the ability to choose a lifetime income rider that cannot be outlived.

  • Guaranteed Rate of Return – The interest rate remains constant for the duration of the contract.
  • Principal Protection: Protected from market downturns and will not decrease in value.
  • Tax-Deferred Growth: You are not required to pay any tax until dollars are taken.
  • Death Benefit: Fixed annuities offer a death benefit that pays out to the beneficiary if the investor dies before in most cases death benefits are more than the initial purchase due to the FIA bonus structure.
DFL Facts

Between mortgages, loans, credit cards and medical expenses, the journey to achieving the American Dream can leave many of us saddled with debt. Because of these debts, a large portion of our lifetime earned income will go towards paying interest.
As a result, our retirement savings are crippled. The solution is Debt Free Life. Debt Free Life is an insurance solution that builds a cash value over time. As your cash value grows, you can eliminate all your debt incrementally and save the balance for retirement. With Debt Free Life, you can create a long-lasting legacy for your family by achieving financial freedom and retiring with taxfavored income.

Yes! Debt Free Life allows you to accomplish eliminate debt