408-854-1883 starts at $30 per hr home care

Manage budget, concierge, saving while earning with WUN.

 

Contact Connie 408-854-1883 motherhealth@gmail.com to save, shop and earn. Wake Up Now was number one direct seller last year, only two-year old in the business. The founder was fed up with working and being fired. Now you can own your own business, ecommerce with finance and concierge and travel clubs in one. Amazon, Costco and more stores, you get to shop to earn.

 

Your own costco, amazon, Rosetta stone, Expedia, Groupon, Taxbot mileage, alerts for budgeting and more.

Annuities based on your retirement savings wants, needs and fit come in all sizes and you need an insurance agent to tailor fit a retirement solution and savings plan for growth. Contact Connie Dello Buono, Insurance Broker, CA Life Lic 0G60621 at 408-854-1883 motherhealth@gmail.com to be your advocate for your retirement savings goals and plan with health threats and retirement threats protection.  “I sell money for future delivery” quote from Robert D, insurance agent.
If you are a newly licensed Life and Health agent, contact Connie for training and higher commission level.

 

Carrier	Product  & Features	Roll Up	Premium Bonus	Death Benefit	Rating	FMO Bonus	Surrender
North American	Charter 14  bonus for 7 yrs deposits, 3 income rider choice, min prem 2kQ flexible, cost .95%	5.5% for life/6.75% for 10/ 6.25% for 20	10.00%	Full accumulation value	A+	$275/100k	14
Great American	Safe Return, ROP, Bailout cap, cost.85/.75/1.25 start age 55	10%/7yrs Income -9%/10yrs DB -8%/12yrs		8% rider income value  5 yrs pay	A+	$275/100k	10
NWL	Ultra Feature with competitive early income payouts, min $2kQ cost .75% start age 60	4% compounding	14.00%	Full accumulation value	A	$500/100k	15
Allianz	Endurance Plus, 105% participation, no fee		20.00%	Enhance value paid over 5 yrs	AA	$500/100k	10
Allianz	Masterdex X , 5% premium bonus, 8% simple interest forever , cost .75%	8% simple interest  till age 90	5.00%	Full accumulation value	AA	$500/100k	10
Aviva	Income Preferred Bonus, min $5k flexible, with income rider, cost .75%		4% or 1% some state	Full accumulation value	A	$500/100k	10
American Equity	Bonus Gold 5K Min, 4% is a free rider	4%/6.50%-20yrs/7%-10yrs	10.00%	AV or DBV in a lump sum	A-	$500/100k	16
EquiTrust	Market 12 Bonus, rider cost .75% based on AV deducted out of AV income start age 50	6.50% compounding up to 15 yrs	12% spread over 4 yrs	Full accumulation value	BBB+	$500/100k	14
Athene	Benefit 10 income with LTC  and Death Benefit rider, cost 1.40%  issue age 30	8% for 10 yrs. 5% yr 11  simple up to age 85	6% on AV	Income rider paid over 5 yrs	B++	$275/100k	10
Phoenix Life	Personal Protection Care or Income Annuity, with LTC  and Death Benefit rider, cost 1.15%	14% 10 yrs. Then 3% simple up to 10 yrs	only for early income	5%/10% roll up lump sum	B+	$500/100k	10
F&G	Prosperity Elite 7/10/14 Death Benefit rider  cost 1.10%	Compounding  7% for 10 yrs	8% on AV	Income pays over 5 yrs to bene	B++	$500/100k	14
Oxford Life	Royal Select 8% bonus  Single premium  with income rider  fee .75%	Compounding  6.50% for 10 yrs	8.00%	Full accumulation value	A-		10
Legacy/F&G	AdvanceMark Ultra 14  Single  premium with built in income rider  fee .70%	Compounding  7% for 10 yrs w/restart option	10% on AV	Full accumulation value	B+	$500/100k	14
Legacy/F&G	LegendMark flex premium with opt income rider  fee .70%	Compounding  5% for 10 yrs	10% on AV	Full accumulation value	B+	$500/100k	14
F&G	Simplicity Elite 7/10/14 Income & Dbl ltc rider  cost 1.25%	Simple 10% for 10 yrs	7% on AV	Full accumulation value	B++		14
Sentinel Security Life	Summit Bonus Index  Single premium  wit optional income rider, Fee 1.05%	Compounding  7% for 20 yrs	9% FL & NC/6.5% UT	Full accumulation value

Yearly Financial Planning Review.

Yearly Financial Planning Review.

Long term care insurance, funeral expense, and other non medical life insurance.

September is Life Insurance month. Many families without life insurance only receives more than $200 for social security upon the death of their love ones.

Many more who owns a house, have children and even the grandparents who want to leave a legacy, tax free and probate free can avail of all kinds of life insurance products. The $14,000 gift allowed per year per person can be used to open an index universal life policy to the young or grandchildren that will provide for college and retirement funds.

Some life insurance products have long term care insurance and living benefits included.

So a 77 yr old healthy grandpa opened a $110k single premium whole life insurance that includes long term care to allow wealth transfer to the next generation probate and tax free and in case of health threats he now have a long term care insurance.

More than half of the population in the USA can only afford a $25,000 non medical life insurance for funeral expense and many insurance carrier have these products too.

Now that I am an insurance broker, I can provide many more options to all to be prepared to have a higher return of  their retirement savings, provide protection of their wealth and life, generate a lifetime retirement income with living benefits and/or long term care to prepare for health threats or illness.

Are you 60 yrs old and needs funeral expense with no medical test?

Average monthly premium for 60 yr old is around $60 per month, giving you $25000 of face amount sufficient for your funeral expense.

Would you be interested if I can save you 80% of your long term care expense (before going to a nursing home)? It is best to talk about your long term care planning in the presence of your family members. Call us to help you navigate with your health planning, estate, asset protection and financial/retirement planning needs.

We have accidental and non-accidental death benefit whole life insurance between $5000 to $35,000, a proprietary insurance product.

Graded life insurance product, accidental and funeral expense in one product that we can also provide. Insurance you can get at point of sale.

We have an Estate Maximizer for Seniors, for creating a legacy and a tax free death benefit. If you are interested to transfer your wealth with no probate and taxes, we can help you.

Your current life insurance will take care of your other liabilities: mortgage, education and other bills. Who is going to bury you when you die? Did you designated someone for funeral arrangement when you die?

How much balance is in your house? Your life insurance will be enough to cover your house remaining mortgage balance but you still need funeral expense.

If you need an FDIC insured annuities, contact Connie. No medical test and some annuities include long term care.

If you need long term care insurance, you are secured that should any health threats occur you will not go bankrupt as you have long term care insurance to support you.

For all kinds of life insurance and index annuities, call Connie Dello Buono, CA Life 0G60621 at 408-854-1883 motherhealth@gmail.com  (allow 48hrs for residents outside of California).

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Connie Dello Buono is also founder of Motherhealth Inc 501c3 which provide affordable caregiving to homebound seniors in the bay area and Philippines.

After college, you wanted to get any job you can get into. While doing that, it would be a good preparation for you to learn about financial planning. This Saturday, learn about estate planning and tax free retirement. As you will be working for the next 40-50 years of your life, let it be productive and meaningful. Learn from the financial mistakes of the generation before you.

Spare yourself from tax penalties and taxes. From health threats and financial threats.  Learn how others retire their family and every thing you wanted to know about financial planning 101.

Equip yourself with the knowledge of how money works, the laws of compounding, the various financial and insurance products and planning early on your estate and asset accumulation and protection.

You will never lose a penny if you start early and learn from others who succeeded in preparing for their lifetime retirement income.

Venue: 700 Alfred Nobel Drive Hercules, CA 94547

Time: 9:30am

Contact Connie DelloBuono, 408-854-1883 motherhealth@gmail.com

 

Insurance agents learn about Medicare.

Learning about Medicare will help insurance agents serve the aging population to better prepare for any health threats and financial  threats.

http://www.ahipmedicaretraining.com

Medicare Basics and online training for Insurance agents include:

• The basics of Medicare fee-for-service eligibility and benefits
• The different types of Medicare Advantage and Part D prescription drug plans
• Eligibility and coverage
• Marketing and enrollment under the Medicare Advantage and Part D program requirements

Contact Connie Dello Buono 408-854-1883 motherhealth@gmail.com CA Life Lic 0G60621 to collaborate and team up to save the seniors. Call before the afternoon of 8/28/2014 to be included in the afternoon training in Vallejo.  I am looking for carpoolers from the San Jose area.

Connie is also founder of Motherhealth Inc 501c3 for affordable caregiving in the bay area.

Why I will hire the 50 plus generation.