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Benefits of Single Premium Life InsuranceSingle premium life insurance has quite a few perks, which include:Single PaymentThe biggest benefit of single premium life insurance is exactly that – a single premium, or one payment. You don’t have to worry about or manage future payments, and you know you’ll be guaranteed a death benefit. In addition to that, single premium life policies are great in conjunction with Long-Term Care Insurance, or a long term care rider.Long-Term Care InsuranceLong-term care (LTC) insurance is a type of insurance that provides financial assistance to those who need help completing their activities of daily living (ADLs). These activities include dressing, bathing, eating, continence, transferring, and toileting.This type of insurance can be very expensive, which is where SPL comes in. Certain SPL policies will give you tax-free access to your death benefit, so you can pay for the those long-term care expenses.Whatever money is leftover from the death benefit after you pass away will be given to your beneficiaries income tax-free. If you don’t need any of the death benefit for LTC, then all of it will go to your beneficiaries as originally planned. But if you do need access to it, SPL can be very beneficial.Terminal IllnessIn addition to using the death benefit for LTC, many SPL plans offer an accelerated death benefit rider, which allows part of the death benefit to be accessed if you become diagnosed with a terminal illness and have a life expectancy of 12 months or less. Oftentimes, getting diagnosed with a terminal illness can be very costly, and using the death benefit to help with expenses can take a great load of pressure off you and your family.Cash ValueIf you choose to go with a single premium whole life policy, you’ll have access to cash value if need be. While this should not be your first go-to, cash value is a nice advantage if an emergency financial situation were to occur.

1. Podcast help you form a more personal connection with your customers2. The number of people who listen to podcast is growing every year3. People who listen to podcasts are extremely engaged and loyal4. Podcasts are a great way to reach busy people5. Podcast increase website traffic and improve your search ranking in google6. A podcast can help you reach new audiencesSchedule an interview NOW: http://hrwfinancial.comA podcast gives you the chance to more deeply engage with existing customers and turn them into enthusiastic brand advocate, but it also gives you the opportunity to reach new potential customers who may not know about your company, but are interested in the specific topic of your podcast.

Today we have with us Phillip a Lewis, the co-founder of Profit Enhancement Group, a cost containment consulting firm focused on reducing healthcare cost for employers and health plans.His goal is to significantly reduce healthcare costs from 10% to 40% without making the benefit plan less robust or requiring the employees to assume greater financial liability by utilizing innovative strategies and platforms.Phil has owned and led a number of businesses in the real estate, retail and healthcare industries. He's always fighting to reverse the increase in healthcare costs which continue to erode the quality of life in the USA.Phil lives in Atlanta and enjoys cooking with his fiancee Stacey while pursuing his hobbies of golf and fly-fishing.

Today's episode number 7, features Skip McGrath, a well-known selling coach and author. Skip has spent the last 11 years dedicated to not only continuing to master the craft of third-party selling on marketplaces like Amazon and eBay, but also to sharing his knowledge with others.Skip McGrath and his wife Karen, have been running a successful business on eBay since 1999 and Amazon since 2006. During this time they have written 14 books about selling on eBay, Amazon and the Internet. What makes their books different is he writes about what they actually do.Books: eBay PowerSeller, The eBay and Amazon Sellers News, The eBay Power Sellers Manual, TheeBay Seller's News, Amazon Seller News

Mark Williams the President and CEO of Brokers International, one of the industry’s largest field marketing organizations referred in the trade as an IMO (Independent Marketing Organization)— They provide annuity and life insurance solutions to independent insurance and financial professionals across the nation.Few executives have Mark’s breadth of experience as a differentiator and success across every aspect of the industry. He grew up in an insurance family and has licensed, sold and had exposure to almost every financial vehicle that can be used as a solution to a customer need. He has held crucial roles as an agent, stock broker, independent distributor, captive agent, and head of an FMO.His strongest believe is in The 3 Most Profitable Business Building Systems .For more information about Mark and Brokers International: https://www.biltd.com/Visit with Mark on Linkedin: https://www.linkedin.com/in/mark-williams-bi/

The United States Electoral College is a body of electors established by the United States Constitution, constituted every four years for the sole purpose of electing the president and vice president of the United States. The College consists of 538 electors, and an absolute majority of 270 electoral votes is required to win an election. Pursuant to Article II, Section 1, Clause 2, the legislature of each state determines the manner by which its electors are chosen. Each state's number of electors is equal to the combined total of the state's membership in the Senate and House of Representatives; currently there are 100 senators and 435 representatives.  Additionally, the Twenty-third Amendment provides that the District of Columbia is entitled to the number of electors no greater than that of the least populous state (i.e., 3).

We the People of the United States, in Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defense, promote the general Welfare, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the United States of America.The United States Constitution is the supreme law of the United States. The Constitution, originally comprising seven articles, delineates the national frame of government. Its first three articles embody the doctrine of the separation of powers, whereby the federal government is divided into three branches: the legislative, consisting of the bicameralCongress; the executive, consisting of the President; and the judicial, consisting of the Supreme Court and other federal courts. Articles Four, Five and Six embody concepts of federalism, describing the rights and responsibilities of state governments and of the states in relationship to the federal government. Article Seven establishes the procedure subsequently used by the thirteen States to ratify it. It is regarded as the oldest written and codified national constitution in force in the world.Since the Constitution came into force in 1789, it has been amended 27 times, including an amendment to repeal a previous one, in order to meet the changing needs of a nation that has profoundly changed since the eighteenth century. In general, the first ten amendments, known collectively as the Bill of Rights, offer specific protections of individual liberty and justice and place restrictions on the powers of government. The majority of the seventeen later amendments expand individual civil rights protections. Others address issues related to federal authority or modify government processes and procedures. Amendments to the United States Constitution, unlike ones made to many constitutions worldwide, are appended to the document. All four pages of the original U.S. Constitution are written on parchment. 

Whether you’re already a self-published author or you’re just starting to consider self-publishing, it’s always a good idea to keep your finger on the pulse of the industry. To help you stay in the know, we’ve pulled together some notes on what's been happening in the world of book publishing in 2018.Thanks to Blurb Blog, Marketing Christian Books, Scholastic Book Club, Flavorwire, HuffPost, and Izzard Ink for the tips, info, and statistics curated for this Podcast.

Peter May (born 20 December 1951) is a Scottish television screenwriter, novelist, and crime writer. He is the recipient of writing awards in Europe and America. The Blackhouse won the U.S. Barry Award for Crime Novel of the Year and the national literature award in France, the CEZAM Prix Litteraire. The Lewis Man won the French daily newspaper Le Télégramme's 10,000-euro Grand Prix des Lecteurs. In 2014, Entry Island won both the Deanston’s Scottish Crime Novel of the Year and the UK’s ITV Crime Thriller Book Club Best Read of the Year Award. May’s books have sold more than two million copies in the UK and several million internationally.

Our problems are not equal. Some are much more difficult to solve then others. And did some problems seem to defy any satisfactory solution at all. Problems like this make us feel overwhelmingly “Stuck” generating feelings of frustration, depression anxiety and stress which are often experiences helplessness and hopelessness.This podcast will introduce you to Dr. Williams and his writing “Attitude Shifting”. The definitive reference manual for lay people, professionals and especially “First Responders” in how to relieve frustration, depression, anxiety and stress by  learning how to choose situations as opposed to trying to change the reality.