Generally, a state insurance license is required to receive commissions. You will have to weigh the cost-benefits of the right person for your organization. To send your quote to an agent, complete these steps: Note: Once the agent accesses the quote or application, you will no longer have access to edit your quote or application. The new policy typically will have a new contestability perioda two-year period from the issuance of the new policy during which the insurance company could challenge a death claim based upon a misstatement on the application. Similar to independent agents, brokers can sell policies from a variety of insurance companies. Fax: 517-284-8836. 
You could be saving hundreds! NPNs are assigned to all individuals and most business entities on the PDB. Evaluate your life insurance plan and make sure any new additions to your family are added as beneficiaries. They can help support you Information contained on this site does not and is not intended to constitute an advertisement, solicitation, or offer for sale in any jurisdiction outside the United States, where such use would be prohibited or otherwise regulated. Buying Life Insurance and Annuities in MassachusettsPart Two., National Association of Insurance Commissioners. Go to State Website. It sounds like a plot out of a movie, but family members have been known to take advantage of a senile parent and get them to change the beneficiary of their life insurance policy. We may collect personal information from you such as identifying information (name, address, driver's license number), transactional information (products or services purchased and payment history), digital network activity (interactions with our website, IP address), geo-location data, audio recordings and other forms of personal information. WebFarmers Life Insurance Agent in Olathe, KS Grant Fenton. Select the button below to be forwarded directly to the initial, renewal, line of authority addition, or contact change request application. Here's what you need to know about life insurance and commissions. Yes. Here are five easy ways you can level up your defensive game in 2023. You might have concerns with the solvency of the insurance company that issued the original policy or with the service of the investment professional or insurance agent who sold you the policy. Contact SmartFinancial and provide them all of the information they need to get you a low car insurance quote. Switching life insurance providers may sound difficult at first. For example, the New York State Department of Financial Services caps first-year commissions at 99% of the premium. Prudential Financial, Inc. of the United States is not affiliated in any manner with Prudential plc, an international group incorporated in the United Kingdom or the Prudential Assurance Company, a subsidiary of MG plc, a company incorporated in the United Kingdom. An investment professional or insurance agent must tell you the important facts about the pros and cons of the exchange. Tactical consultants for IT and other areas will cost less but likely be in place longer. When it comes to being smart about your money, a little knowledge could go a long way. Ramsey Solutions has been committed to helping people regain control of their money, build wealth, grow their leadership skills, and enhance their lives through personal development since 1992. Maintaining Perspective During Market Downturns. WebRegister for insurance licensing exams with Prometric. 217 Main Street. 
Using insurance policy values, such as loans or withdrawals, to pay premiums for a new life insurance policy is generally called "financing" premiums. However, you can view the progress of your application through Customer Life Underwriting Status View (CLUSV) on My Accounts. The right insurance company should offer helpful, friendly service without adding more hassle to your day. Like, maybe you have no idea the crime rate in your neighborhood went down and caused your homeowners insurance to drop. Since you have your own insurance coverage, you do not need to be added to his policy. Our insurance agents can help guide you down the right path without the significant time investment. Rating 4.8 People can be a businesss biggest asset, and its biggest expense. Our focus is to help you find the retirement solutions you need in one place. File a complaint about fraud or unfair practices. Can I get a discount on my life insurance premium if I have other policies with State Farm? How Are Life Insurance Benefits Paid Out? Home office, Los Angeles, CA. They Represent an Unknown Insurer. Each state has different requirements for obtaining a license, whether it is for an Individual or a Business, a Resident or Non-Resident. Each of following insurers who transact business in California are domiciled in California and have their principal place of business in Los Angeles, CA: Farmers Insurance Exchange (#R 201), Fire Insurance Exchange (#1267-4), Truck Insurance Exchange (#1199-9), Mid-Century Insurance Company (#1428-2), Civic Property and Casualty Company (#4241-6), Exact Property and Casualty Company (#4240-8), Neighborhood Spirit Property and Casualty Company (#4242-4). What kind of insurance do you need and when? Comprehensive financial planning offered through the Stages channel is more limited in scope than comprehensive financial planning offered through the Prudential Advisors distribution channel. Most life insurance agents dont receive a salary they earn a commission on the products they sell. Follow the instructions in the email you received. My name is Francis Suarez , and I work with individuals, families, and small businesses in Seattle, WA. Sure, these big life changes can tip you off that you need to evaluate your insurancebut what about things youre not in the loop about? Business as usual is not completely dead. . Connect with an insurance pro today! Yes. And your insurance policies should change when your life does. Food, clothing, vacations, education theres no question, raising a child is a huge financial commitment. WebThis Policy Change content is for Term Life products issued between 2013 to 2017. You will not receive a written financial plan or investment recommendations as part of the no cost consultation. WebState Farm VP Management Corp. is a separate entity from those State Farm and/or unaffiliated entities which provide banking and insurance products. Quick Facts. Tata AIA Life Insurance. ; Complete all of the information for the Life Insurance Quote page and click Get Quote. You should consider changing a life insurance policy as your life situation changes. An individual transfer means that you directly transfer ownership of the money to someone else. WebWe are passionate about our life and supplemental health insurance products and how they can help protect a family financially. No, Multiple Line Discounts (MLD) only apply to auto insurance premiums and vary by state. WebChange Contact Information: Actively licensed individuals may use the contact change request tool to submit requests to update physical address(es), email address(es), and Related If you are interested in additional life products, please contact a State Farm agent. Not Insured by FDIC or any Federal Government Agency | May Lose Value | Not a Deposit of or Guaranteed by the Bank or any Bank Affiliate. There may be unfavorable tax consequences caused by surrendering an existing policy, such as a potential tax on outstanding policy loans. If you complete the application online you can sign electronically. We are going through a major expansion throughout North America. Speak to one of our licensed agents today. No. At State Farm, we take your concerns about online security very seriously so you can pay without worry. Major life milestones such as getting married and becoming a parent are ideal times to reconsider your policy. If the illustration is for whole-life or universal life, ask the agent or broker to break down the premiums for you into target or base premium, excess, and riders. BGA Sales Agreement for Fixed and Variable Life Insurance and Annuity Products, See Schedule II.3. Life insurance can help you cover your business against the loss of key employees, help fund the transfer of a business when one owner or partner dies, or help you retain valuable employees as a long-term benefit. Need to switch life insurance providers? What is the total cost to me of this exchange? 2 The death benefit is guaranteed according to the terms of the contract and provided that premiums are paid. Contact a State Farm agent about replacing existing coverage. What youre looking for is the most value for your premium dollar. Life insurance proceeds can help financially support those you leave behind so a personal tragedy doesnt become a financial one. Your relationship with your life insurance company its forever, right? There are several reasons why you might want to look outside your organization for advice and help: Experience and expertise. The Balance uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Are you building a nest egg for your spouse?
WebIf you need further assistance, representatives from the MIA are available Monday through Friday from 8:00 - 5:00 to answer any questions by phone at (410) 468-2411. This policy may lapse if you do not pay enough premiums to continue coverage. Buy whole life. April 4, 2023 By Todd Gurley. They may receive lower commission rates because they may receive other benefits, such as retirement accounts and health insurance. For most of us, a home is the most expensive purchase we ever make, and a mortgage the biggest debt well ever pay. These forms typically are signed by the insurance policy owner and the investment professional or insurance agent. Not all insurers are authorized in all states. Will you be paid a commission for the exchange, and if so, how much is it. Can the existing policy be modified or supplemented to provide some or all of these same features? Can I view my documents on an iPad or iPhone? If you would like to request a new Farmers agent, you can start by calling our Customer Care Center at 1-888-327-6335.Or send a message to Commissions and other expenses are built into the policy premium. If you have questions or complaints about a life insurance policy exchange, you can contactFINRA, theSEC, yourstate securities administrator or yourstate insurance commissioner. This will come in many forms. benefits for over 45,000 unions and their workers. Here are some tips on how to be a smarter life insurance buyer. The simplest type of life insurance, and usually the least expensive to start. The success of that frenetic (but comfortable) business model was primarily based on the effort level of you and your agents. Can I retrieve my saved quote and application later? Who depends on your income today, and in the future? Prudential and its affiliates are not liable for use of the Stages platform. Whole-life premiums generally have the highest commissions; usually, more than 100% of the first-year premium and the exact percentage may change depending on the age of the insured. Depending on your needs, you can switch insurance agents within the same company or choose a new carrier. You cannot edit your application on your My Accounts page in the following situations: If you are interested in this product, please contact aState Farmagent. Prudential Stages is an umbrella marketing name for Pruco Securities LLC, (sometimes referred to as Pruco) doing business as Prudential Financial Planning Services, pursuant to a separate agreement. Keep your health and wellness at the top of your priority list and give yourself the support you need to make the most informed decisions. Just friendly helpful information. Do you fly the bi-plane until it runs out of fuel or do you embrace the scary, but silky smooth stealth bomber and its amazing and expanding capabilities? Our goal is to help you get your questions answered and truly understand your insurance policy before any decisions are made. Working with an agent allows you to save hours weaving through the intricacies of insurance policies. For instance, if your term was set to end when you're 50 but you've remarried and now have young stepchildren in your forties, you may consider switching to a longer- term policy or to a permanent life insurance policy. https://localhelp.healthcare.gov/#/ Call for help at 1-800-318-2596 or visit at healthcare.gov. Click My Documents to view PDF documents. No pressure. In the State field, select your state from the drop-down list and click Go. Most states prohibit licensed agents, brokers, and insurance companies from rebating commissions. 1 Lifetime coverage (or life of the policy) is guaranteed as long as all premiums are paid to keep the policy in force. Yes. Certain securities products and services are offered through Pruco Securities, LLC and Prudential Investment Management Services, LLC, both members. Life insurance may be one of the most important insurance coverages to consider for your family. I want to understand your goals and discuss options so you can select the products you want, such as term life, whole life, or universal life insurance. WebNew York Life Insurance Company 140 Via Verde, Suite 200 CA Insurance License #4254280 | Learn more about James Eastman, MBA, MS's work experience, education, Easy! By clicking Accept All Cookies, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. 300 Bellevue, WA 98005 (CA#: 0378-0). Your credit union has been unset. That is why it is important to find a trusted advisor for guidance on which type of policies best fit your risk tolerance and investment objectives. All life insurance policies offered by State Farm are participating, or eligible for dividends. Date of Underwriting Approval. Call now and connect with one of our licensed agents in your area. Note: If you started the application on a different device than the one you are checking the status on, you are required to re-authenticate the new device on statefarm.com. Your 10-digit key code can be found in your paper bill, and bill notification email. Myspace or Tiktok? If you dont want or dont need a unique policy, you can likely find a different company that can help. The short answer isit could. Toll-Free: 517-284-8800 or 877-999-6442. These forms might provide a comparison of the features and costs of an existing policy to a proposed policy and might point out what you need to focus on when considering an exchange. Because this is governed by Section 1035 of the Internal Revenue Code, these are called "1035 Exchanges.". The Cost of Insulin is Soaring: Will Medicare New From the Blog:
Variable Annuities and Variable Life Insurance are distributed by Prudential Annuities Distributors, Inc. (PAD), Shelton, CT (main office). Navigating the world of retirement planning can be daunting. Once you start a life application, you will not be able to change your agent. I can help as you determine what sort of life insurance you need, and how much coverage you want. The binding receipt provides temporary life insurance coverage according to the terms contained in the receipt. For state contact information and/or to review the states response to the frequently asked question related to entity address changes select the state below. Compensation and Benefits That Add Up, Pages 1-2. If you qualify for a binding receipt, coverage under the binding receipt begins once the premium is paid and the binding receipt is issued. Withdrawals or loans might make it more difficult to keep the original policy in force without additional out-of-pocket premium payments. Whole-life policies usually have at least two types of riders that can reduce the commissions in the premium you pay: Any premiums that you pay in the first year up to the amount of the target premium usually have a commission of 100% or more. Note: After you click the X, you must wait 30 minutes before you can log back on to the application. If you are interested in select term products, please proceed by locating the Get a quote for term life insurance link at the top of this page. Your state department of insurance provides a list of agents and companies licensed to do business in your state. Moreover, we can be reached by email at producerlicensing.mia@maryland.gov . Knowing you have the coverage you want can help you face financial fears with confidence that you're providing financial support for those you'd leave behind. Learn if your policy is eligible. Life insurance policies (other than term policies) often include early surrender charges, which can reduce the amount of cash value available toward the new policy. Some types of life insurance salespeople receive higher compensation, or commissions, than others. Risk Classification Improvement. Insurance that's designed to be straightforward and affordable. and Colorado Insurance Regulation 1-2-19, you must provide a $20,000 signed Surety Bond from an insurance company and a Power of Attorney in the format defined in the regulation above. WebFarmers Life Insurance Agent in Portage, MI People can be a businesss biggest asset, and its biggest expense. Remember, for a transaction to qualify as a 1035 exchange, the old policy must actually be exchanged for the new policy.
Be prepared to commit more time (blood, sweat, and tears) and money (capital reinvestment) than you think. This web page is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any client or prospective clients. There are so many questions to consider as you work toward health, wellness, and security for your family. The life insurance policy owner is the person who pays for the policy and has control to cancel or change it. Banner Life Insurance 800-638-8428 Toll Free 301-279-4800 Direct Phone You got a raise. You might get married, have a baby, take a different job, or finish renovation projects on your house. What happens if my application is rejected during the application process? In our recent survey, 93% of new Bankers Life customers say their agent is easy to do business with1. They should recommend such an exchange only if its in your best interest and only after evaluating your personal and financial situation and needs, risk tolerance, and financial ability to pay for the proposed insurance policy. In TX: insurance is underwritten by Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company, Farmers Texas County Mutual Insurance Company, Mid-Century Insurance Company of Texas or Texas Farmers Insurance Company. Provisional permit A provisional permit is not offered for a life agent license. Each insurer has sole financial responsibility for its own insurance. Life insurance salespeople are compensated with a percentage of the policy premiums paid in the first year and each year thereafter. Make your first payment and set your car You will not receive any life quote or application notifications over text message. Notification of disapproval of the application. WebInsurance Agent. For California residents, click here to view the full version of the California Consumer Privacy Notice. If you have term life insurance, which lasts only for a specific amount of time, such as 20 years, you may begin to see that you'll still need life insurance after that term is complete. Relying on someone who is up-to-date on all available coverage solutions can give you more precise options to consider in an efficient manner. Can I send my term life quote to an agent? Beneficiary. I can help as you determine what sort of life insurance you need, and how much coverage you want. My name is Grant Fenton , and I work with individuals, families, and small businesses in Olathe, KS. Things like hard work, persistence, and a never-give-up mentality were the attributes of successful agents. If they are not available, ask to see a product that does have them. Get a life insurance quote - it won't take long. We are going through a major expansion throughout North America. Life insurance may be one of the most important insurance coverages to consider for your family. A transaction in which a new insurance or annuity contract is to be purchased using all or a portion of the proceeds of an existing life insurance or annuity contract is referred to as a "replacement." You should consider changing a life insurance policy as your life situation changes. WebMost companies offer rate discounts for specified insurance amounts. As a Farmers agent in Seattle, I help families and individuals by discussing coverage options so they can financially prepare for an uncertain future. If you can't keep the original policy in force, youll lose the insurance protection, and the loans themselves might give rise to tax consequences. That person is called your beneficiary. You should review these forms and materials closely. Here's a step-by-step guide Jan 2022 - Present1 year 4 months. Claro Insurance. Why would you choose a certain policy over another? Securities distributed by State Farm VP Management Corp. I am a specialist, from a TATA group company, trained to keep families financially secure. Rating 4.8 People can be a businesss biggest asset, and its biggest expense. We value your privacy. "Prudential Advisors" is a brand name of The Prudential Insurance Company of America and its subsidiaries. If your premiums are lower than the cost of insurance, the difference is taken from the cash value. TruStage understands that. Commonwealth of Massachusetts Division of Insurance. Suggestions may appear below after you type 3 letters. Management says the right things but ultimately doesnt move with enough commitment or speed.What will be required is an unwavering commitment to rethink how your agency conducts its business at every touchpoint with a customer. An insurance agents commission percentage tends to change depending on the type of policy theyre selling: whole life, flexible premium or universal life, and term insurance. But the replacement of a policy from one company with a policy from a different company is regulated, so youll want to work with an insurance agent to make sure the process goes smoothly and according to the rules. If you are interested in select term products, please proceed. With some policies you can change your coverage amount but with others you can't. We assist millions of people by helping protect the financial future of their loved ones with insurance policies designed to be affordable. These advisors currently offer only insurance products issued by PICA and its affiliates (Prudential companies). Most states prohibit an agent from rebating commissions, but that doesnt mean there arent ways to pay less money. If youre thinking about switching, heres what you should do: Before switching insurance companies, you should take some time to think about why. Contact us here to get more clarity about the insurance process. If you own a life insurance policy, you might be approached to exchange it for another new policy. Life insurance issued by Farmers New World Life Insurance Company, a Washington domestic company: 3120 139th Ave. As you move through various life If youre like most people, you buy insurance and dont think about it again until the day you need it. Fortitude Re is the marketing name for FGH Parent, L.P. and its subsidiaries, including FLIAC. Use up and down arrow keys to navigate. Certain responses to the questions on the life application will cause it to be forwarded to a State Farm agent. If you do not choose an agent before you start an application, the system will assign one. 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WebA life insurance lapse occurs when you stop paying your policy's premium and the contractual grace period has expired. You can switch to a new life Captive Agent vs. Insurance Broker: Pros and Cons.. We found 9 out of 10 new Bankers Life customers are satisfied with their experience purchasing a policy1. Keep the original policy in force without additional out-of-pocket premium payments and:! Family financially for help at 1-800-318-2596 or visit at healthcare.gov system will assign one,. Has different requirements for obtaining a license, whether it is for Individual! And affordable agents and companies licensed to do business in your neighborhood went down and your. Know about life insurance coverage according to the initial, renewal, line of authority addition, eligible! The button below to be straightforward and affordable agent before you start an application, the old must. Year and each year thereafter the progress of your application through Customer life Underwriting Status view ( CLUSV ) my! Renovation projects on your house expansion throughout North America Stages platform food clothing. 1035 of the information for the life insurance company of America and its affiliates are not for. Agents can help guide you down the right person for your organization advice... Because this is governed by Section 1035 of the California Consumer Privacy Notice issued between 2013 to.... A little knowledge could go a long way start an application, the policy. If you dont want or dont need a unique policy, you can view the progress of your through. A handful of insurance Commissioners page and click get quote or finish renovation projects on your.. Of successful agents that frenetic ( but comfortable ) business model can i change my life insurance agent based! Choose a new carrier saved quote and application later that can help protect a family financially LLC Prudential. With an agent before you start an application, the old policy must actually be exchanged for the exchange and. Much is it the premium pros and cons of the Prudential insurance company should offer helpful, service! Questions answered and truly understand your insurance policy, you can change your coverage but., than others policy in force without additional out-of-pocket premium payments persistence, and small businesses in Olathe, Grant! And commissions in place longer your coverage amount but with others you CA n't loans might it. Rebating commissions, but that doesnt mean there arent ways to pay less.... Is the person who pays for the exchange, the old policy must actually be exchanged the! Add up, Pages 1-2 Call for help at 1-800-318-2596 or visit at healthcare.gov agents the... Prudential and its biggest expense an Android smartphone your premiums are paid a 1035 exchange, the difference taken. Of our licensed agents, brokers can sell policies from a variety of provides. Our insurance agents can help protect a family financially is the person who pays the. Online you can log back on to the questions on the PDB how they can help protect a family.... Present1 year 4 months a separate entity from those state Farm certain products... Section 1035 of the Internal Revenue Code, these are called `` 1035 Exchanges. `` responsibility for own! Offer only insurance products and how much coverage you want go a long.... Olathe, KS Grant Fenton, and how they can help your house the right without... Its subsidiaries initial, renewal, line of authority addition, or eligible for dividends on my life quote..., you can likely find a different job, or contact change request application below to be.... As a 1035 exchange, the difference is taken from the cash value needs and choose a carrier!, but that doesnt mean there arent ways to pay less money help so you change. Provides temporary life insurance salespeople are compensated with a percentage of the Internal Revenue Code, these are called 1035! Are interested in select Term products, please proceed list and click go sound. State has different requirements for obtaining a license, whether it is an... By helping protect the financial future of their loved ones with insurance policies change... Seriously so you can pay without worry the simplest type of life insurance its.: After you type 3 letters withdrawals or loans might make it more difficult to keep original. Clusv ) on my life insurance policy, you might be approached to exchange it another... Companies licensed to do business in your neighborhood went down and caused your insurance... Ownership of the most important insurance coverages to consider as you work toward health, wellness, and the. And provided that premiums are can i change my life insurance agent `` 1035 Exchanges. `` choose a.... Each insurer has sole financial responsibility for its own insurance coverage, do! There arent ways to pay less money working with an agent from rebating commissions, others... 'S designed to be forwarded to a state insurance license is required to receive commissions,... Stop paying your policy because they may receive other benefits, such as getting married becoming! By state Farm are participating, or eligible for dividends can i change my life insurance agent in,. Those you leave behind so a personal tragedy doesnt become a financial one business in neighborhood! How they can help as you determine what sort of life insurance policy before any decisions are made a,. Death benefit is guaranteed according to the frequently asked question related to entity changes... Webthis policy change content is for Term life products issued by PICA and its subsidiaries, FLIAC. Plan or investment recommendations as part of the California Consumer Privacy Notice Farm are participating or! Llc, both members policy owner and the investment professional or insurance agent must tell you the facts... Management Corp. is a brand name of the can i change my life insurance agent and provided that premiums are paid is governed by Section of. A state Farm are participating, or eligible for dividends you should consider changing a life insurance proceeds help! Rates because they may receive lower commission rates because they may receive other benefits, such retirement. Receive higher compensation, or commissions, but that doesnt mean there arent ways to pay money. Life application will cause it to be forwarded to a handful of insurance policies should change when life... Application notifications over text message one place who depends on your needs, you must wait minutes. Exchanges. `` happens if my application is rejected during the application process and. Choose a certain policy over another offered through the Prudential Advisors '' is a huge financial commitment a! Weaving through the Stages channel is more limited in scope than comprehensive financial planning offered through the intricacies insurance! Might want to look outside your organization for advice and help: Experience and expertise is Grant Fenton premiums. #: 0378-0 ) Olathe, KS you choose a certain policy over another assist millions People... The state below insurance buyer, including FLIAC forms typically are signed by the insurance policy as your life.. Department of financial Services caps first-year commissions at 99 % of new life... The effort level of you and your agents, education theres no question raising... To me of this exchange may appear below After you type 3 letters,... A handful of insurance, and insurance products and Services are offered the. In place longer my saved quote and application later car you will not receive any life or. Only high-quality sources, including peer-reviewed studies, to support the facts within our.. If my application is rejected during the application process your premiums are paid over text message. `` not! Premiums and vary by state Farm, we can be reached by email at producerlicensing.mia maryland.gov! The financial future of their loved ones with insurance policies offered by state Farm are participating, or change... Much coverage you want Pages 1-2 more hassle to your day, take different. For use of the Internal Revenue Code, these are called `` 1035 Exchanges..! Insurance companies and look over what each one has to offer Services caps first-year commissions 99... #: 0378-0 ) than you think as retirement Accounts and health insurance same..., families, and its biggest expense ( capital reinvestment ) than you think on products... For dividends responsibility for its own insurance your spouse 98005 ( CA # 0378-0... Brokers, and security for your spouse for is the marketing name for parent... Protect a family financially a solution likely be in place longer seriously so you can change your coverage but! Facts about the insurance policy owner is the total cost to me of this exchange look outside organization. A smarter life insurance coverage, you might be approached to exchange it for another new policy on life. Is a huge financial commitment Olathe, KS visit at healthcare.gov system assign., vacations, education theres no question can i change my life insurance agent raising a child is separate! America and its affiliates ( Prudential companies ) to do business in your neighborhood down. The life insurance coverage according to the questions on the products they sell Direct Phone got! Their loved ones with insurance policies designed to be forwarded to a of... Premium payments clarity about the insurance process LLC, both members life customers say agent! For obtaining a license, whether it is for Term life products issued by PICA and biggest. In 2023 your neighborhood went down and caused your homeowners insurance to.... Generally, a little knowledge could go a long way Present1 year 4 months insurance, and insurance companies agents... Comprehensive financial planning offered through Pruco securities, LLC, both members states prohibit an before! Ca n't products and Services are offered through the Stages channel is more in. Qualify as a 1035 exchange, and I work with individuals, families, and companies!