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Rebecca B. Hellman
Valrico, FL
Re: Life Insurance Planning
Dear Charlie:
I just wanted to drop you a note and thank you again for the miracle
you performed for us last year. I can still remember our first conversation
after being referred to you by our estate planning attorney. She
told us you were the very best when it came to placing life insurance
on "seniors" with health issues. We had been trying for months,
without success, and I really did not believe you could get it done
either due to my Mother's sever issues with diabetes in addition
to being 84 years old.
Well…you sure proved me wrong when you got it issued and I am
so grateful that you prevailed!
The life insurance policy you were able to get issued proved to
be a tremendous asset when the estate tax issues surfaced.
We will have some additional planning needs in the near future
and I will be in touch with you at that time.
Thank you again for your tremendous effort.
Sincerely,
Rebecca B. Hellman
Eck Realty Company
Williamsport, PA
RE: Life Insurance Audit - Family Estate Planning
Dear Charlie:
Several months ago we received an unsolicited fax from your company
regarding insurance policies. The timing of this fax was coincidentally
perfect. We had been looking for approximately two (2) years to
reduce the cost of six (6) life insurance policies that myself and
my siblings had acquired over the years on our father. These policies
had gotten out of control from a cost standard point and we were
on the verge of cashing them in.
My father, who is now 75 years old, has had two (2) heart attacks
and one (1) quadruple bypass within the last three and a half (3-1/2)
years. Other than that he is in excellent health. All of the other
insurance companies that we contacted could not help. Upon receipt
of your fax, we contacted you and you assured us that you could
help us. At the same time I said to myself, "he will never be able
to do it, we will have to live with the existing policies and suffer
through the burden of paying these outrageous premiums for the rest
of his life". However, you made a believer out of me, not only did
you get the policies reissued under one (1) new policy, but you
got my father's rate at a Super Standard and saved us over twenty-six
(26%) percent in annual premiums and as if that was not enough,
the value of the policies increased by ten (10%) percent, even better,
it did not even cost us one (1) dime.
On behalf of myself and my family, again, we say thank you. You
have certainly earned our trust and friendship over the last nine
(9) to ten (10) months and we look forward to continuing our relationship,
both on a personal and business level. We hope to see you again
when we visit our son, daughter-in-law and new grandson in Florida.
Sincerely,
Keith L. Eck
General Manager
Harris Feinsten, M.D.
Child, Adolescent and Adult Psychiatry
Tampa, FL
RE: Estate Tax Planning - Life Insurance Policy
Dear Charlie:
As the Trustee of my father's Irrevocable Life Insurance Trust,
I want to thank you again for assisting my family in placing life
insurance on my 83 year old father. When we were going through the
estate tax planning process and you were referred to us by our attorney,
I must say that I really did not believe you would be able to provide
the life insurance we were seeking due to my father's age, Parkinson's
disease and overall declining health conditions.
I realize that you worked diligently for 6 months on our case
and even went out of your way to provide additional education for
some of our family members so that everyone would have a better
understanding of exactly how life insurance would benefit the beneficiaries
once the estate taxes become due.
As you are fully aware, my father passed away 8 months after the
life insurance was put in force. Needless to say, the proceeds from
the life policy have made a tremendous impact with respect to helping
us cope with the estate taxes that became due.
Thank you again for all of your efforts and if I am ever in the
position of referring you to anyone seeking life insurance, I will
be glad to do so without any hesitation.
Sincerely,
Harris Feinstein, M.D.
Trustee
David M. Stevenson
Lafayette, Indiana
RE: Life Insurance Audit - Succession Planning
Dear Charlie:
My hat is off to you and McKay Financial Network for what you have
been able to accomplish for me and my future beneficiaries through
your life insurance audit program.
When we originally spoke over the telephone, I have to admit I
was a little skeptical as to whether or not you would really be
able to improve upon my life insurance portfolio as it stood. After
all, I had purchased those policies 16 years ago and had a substantial
investment in all 3 of them.
As you pointed out, with interest rates being credited to my existing
policies at an all time low and the fact that mortality costs have
actually decreased because people are living longer…it was a good
time to look at replacing my existing policies with a couple of
newly engineered (priced right with better guarantees) policies.
Even with the new "state of the art" policies, I was extremely
pleased that you were able to pay off my existing loan (with no
out of pocket expense to me), lower my existing annual premium outlay
by 17.5% and increase the longevity of my coverages to age 120 under
current interest rate and mortality expenses assumptions.
You have certainly earned my trust as well as the trust of my
wife and beneficiaries. I will not hesitate to refer you to my friends
and business acquaintances and look forward to continuing our relationship.
Sincerely,
David M. Stevenson
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