Saturday, May 29, 2010

Funny Life Insurance Video

I have never heard of this insurance company but I thought this was a funny video. 


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Thursday, May 27, 2010

Term Life Insurance

I know I have been on a rant lately about Whole Life insurance.  I am actually in the process of buying my first Whole Life policy now.  I would like to mention Term insurance now, a policy most folks like because of its affordability.

If you haven't talked with your life insurance agent in a couple of years, talk to us and we can probably save you money!
Do you wonder if you have enough life insurance? Are you married? New child? New home? Job promotion or loss? These are all good reasons for you to contact us and check your coverage now.

Term Life Insurance rates have dropped dramatically in the last decade. At (your website or name goes here) we research the top insurance companies in the country for you, so you only make one call - to us! Let us find you the lowest cost term insurance for you to protect your family. 

Plans as low as $3 a month!

We also help clients in poor health get life coverage. Even if you think you can not get protection, please contact us, so that we can help you protect your family. We specialize in poor health clients.
All Quotes are Confidential, No Cost, and No Obligation. Contact us today!
This information is strictly confidential and will not be shared with anyone.

Wednesday, May 26, 2010

Obama Serves 14 State Governors with Warnings of Arrest

 OK so I came across this post from a friend of mine and it really disturbed me.  I went to read the article and it was gone.  I tried to google the article and every link had be deleted except for one.  So I copied it and I had to repost it to let others see it.  Here is the article in its entirety.  

Here is the link to where I found it.  I couldn't find it anywhere else.

The latest according toCanada Free Press is that Obama has served 14-State Governors in the United States, National Security Letters (NSLs) warning that the Governor’s actions in attempting to form “State Defense Forces” needs to be halted “immediately” or they will face arrest for the crime of treason. Theemployment of NSLs was authorized by the Patriot Act introduced by George W. Bush. Contained within the section related to these letters, it is forbidden for anyone receiving a NSL warning to even acknowledge the existence of said communication.

"Obama is angered by the several State Governors who have reestablished “State Defense Forces.” These forces are described as: “State Defense Forces (also known as State Guards, State Military Reserves, State Militias) in the United States are military units that operate under the sole authority of a state government; they are not regulated by the National Guard Bureau nor are they part of the Army National Guard of the United States. State Defense Forces are authorized by state and federal law and are under the command of the governor of each state. State Defense Forces are distinct from their state’s National Guard in that they cannot become federal entities.”

Mr. Obama is fearful of these State Defense Forces, in that he does not have control of said forces, and with the U.S. Military stretched to near breaking from multiple deployments and theatre actions in Iraq and Afghanistan, these State military forces would be under the direct command and authority of the Governors in which states have said forces. In essence, the Governors would have “de facto control” of the United States.
The two Governors leading this move are: Tim Pawlenty, Governor of Minnesota; and Rick Perry, Governor of Texas. Both of these State Governors stated they have: “…deep fear the President is destroying their Nation.” Governor Pawlenty’s fear of Obama is that since Obama took office he has appeased America’s enemies and has shunned some of America’s strongest allies, especially Israel. Governor Perry has declared that Obama is punishing his State of Texas by dumping tens-of-thousands of illegal Mexican immigrants into the cities and small towns of Texas. Governor Perry further recently stated: “If Barack Obama’s Washington doesn’t stop being so oppressive, Texans might feel compelled to renounce their American citizenry and secede from the union.”
Obama fearing a revolution against him by the states, has moved swiftly by nationalizing nearly all National Guard Forces in multiple states; Georgia, Alabama, Kansas, Minnesota, Tennessee, Virginia, Louisiana, South Carolina – to name a few. The Governors of the Great States of Alabama, Georgia, Louisiana, South Carolina, Tennessee, Texas, and Virginia still have under their Command-and-Control the State Defense Forces to go against U.S. Federal forces should the need arise. Also important to note: There are NO U.S. laws prohibiting National Guard troops from also joining their State’s Defense Forces. This dilemma occurred during the Civil War with many “citizen soldiers” choosing to serve their states instead of the Federal Government."

copied from

Monday, May 24, 2010

Funny Real Estate Video

Liz Loadholt shared this video with us in class last week and I think I might try this approach to selling real estate.  For all those buyers out there, wouldn't this be a warm and fuzzy buying experience.


Posted via email from bniceintime's posterous

Thursday, May 20, 2010

Another Funny Saying

Fresh, Fresher, Freshest, and Freshershist...


Brandon Vincent
Alpine Agency

T: +843.532.8367 
F: +843.971.1813

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Posted via email from bniceintime's posterous

Other Insurance Services

I just had the most interesting meeting with an industry veteran who shared his afternoon with us about what he thinks the insurance industry will look like in 3 or 4 years.  My first take from him was that it was just another carrier looking to wholesale his products out to new agents and I'm fine with that, but sometimes those are really boring and we usually have a lot of pressing matters at hand which usually makes these meetings obnoxious.  

However, Richard Wilkes of Humana brought and obvious point to light when he said that the new mandate will be that 85% of premiums paid to the insurance company must be paid back to the customers.  Wow, I knew that was one of the policies changing with the reform bill but this had just hit me.  Insurance companies will be left with 15% of their income to, pay agents, pay employees, and market to potential clients.  This doesn't leave a whole lot to spread around.  

I had heard the reform bill could possibly cut agents commissions, and Richard's insights seem to have driven that point home.  My last question to him was, "So is there any hope for new agents?" and his response was "Absolutely!  40 million folks will be turning 65 very soon."  I didn't think I'd be into that market.  We have Crawford for that and he handles most if not all of our senior services inquiries.  Richard did however share several new products that I could market to them.  Memorial fund, critical illness plans, disability insurance, and junior estate builder all through Humana make up what he has shown me.  These are wonderful for the 65 and over crowd are easy enough for me to explain lol.  

Memorial Fund- is a permanent whole life policy that has a benefit up to 25,000 and also has guaranteed cash values.  It is great for funeral expenses, medical bills, legal fees, taxes and other expenses.  This fund also has an option that allows you to pay for only 10 years and is done, no more payments forever.

Critical Illness Cash Plan- Every 34 seconds someone in the United States suffers a heart attack.  This plan will give you guaranteed cash if you 1: have a heart attack, 2: diagnosed with cancer, or 3: need a transplant.  It will even cover loss of sight, loss of speech, permanent paralysis, etc.  This policy comes with a return of premium rider option, so after 20 years you can receive a full refund of all premiums paid.

Disability Insurance- Consider this plan a paycheck protector plan.  If you become totally disabled as a result of sickness or injury, this plan will provide you with a monthly income.  Remember the duck commercial where Yogi Berra says, "If you get hurt and miss work, it won't hurt to miss work".  I love Yogi.

Junior Estate Builder- allows protection for a child or grandchild and provides financial security for a lifetime.  It starts out with term life and converts to whole life at age 25.  The whole life policy builds cash value with the option to increase coverage.  Plan one is $35/yr for 15,000 and Plan 2 is $45/yr for 20,000.

These lines are what I carry through Humana.  If you would like to know more about these just email me.  I have a variety of other products that go along with Health and Life Insurance.  We also offer Identity Theft Solutions.  I don't have a lot of details, but I can get that information for you.  Don't hesitate to call or email.  

Until next time, lata brochacho!

Wednesday, May 19, 2010

Infinite Banking Concept and Whole Life Insurance

Tom puts together another great article about a concept very few know about. I encourage anyone interested in this system to contact me. I have some information you can view and I can answer questions about an Infinite Banking Concept through Whole Life Insurance.

Infinite Banking Concept and Whole Life Insurance: Money and Mowing

Are American's Addicted to Oil?

This is an interesting article on what the media and government is feeding us on America's oil consumption. Don't believe everything that you hear. Always question it.
Brandon Vincent
Alpine Agency

T: +843.532.8367 
F: +843.971.1813
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Tuesday, May 18, 2010

Charleston is a Great City

The steeple of St. Philip's Episcopal Church rises from the Charleston, S.C., skyline as a sailing class sets out from Charleston Harbor Marina at Patriots Point.I can't help but think I love Charleston.  When I was in school I used to think to myself, "This is my town".  I still think it is but now realize that I share this wonderful town with everyone.  I was born in Charleston and raised in Summerville, I now live in Mt. Pleasant.  I have been to every corner of this area and find that I am enthralled with its history and culture.  I traveled to other cities and states, but I have yet to find any other place that has as much meaning to me as Charleston.  It's just a great city to live and raise a family.  What do you think about Charleston?

Brandon Vincent
Alpine Agency

T: +843.532.8367 
F: +843.971.1813
Find me here too: FacebookLinkedInTwitterYouTubeGoogleStumbleUpon

Thursday, May 13, 2010

Life Insurance for Marijuana Users

I think I've seen it all now.  Medical marijuana users can now get life insurance.  What is even crazier is that I am appointed to sell this companies insurance and they are encouraging me to sell it.  I must put my foot down here, so don't ask me to buy this insurance because I won't sell it to you.  I have my own beliefs and legalizing marijuana is not one of them.  I would be glad to give you quotes on everything I have otherwise so let me know if you want more info on life, annuities, and health.  Here is the newsletter I received.

Friday, May 7, 2010

Who Says You Can Earn Too Much?

 Just a little something I came across.  For those of you philosophy buffs:
When I say man survives by means of his mind, I mean that man’s first moral virtue is to think and to be productive. That is not the same as saying: “Get your pile of money by hook or by crook, and then sit at home and enjoy it.” You assume rational self-interest is simply ensuring one’s physical luxury. But what would a man do with himself once he has those millions. He would stagnate. No man who has used his mind enough to achieve a fortune is going to be happy doing nothing. His self-interest does not lie in consumption but in production–in the creative expansion of his mind.
To go deeper, observe that in order to exist, every part of an organism must function; if it doesn’t, it atrophies. This applies to a man’s mind more than to any other faculty. In order actually to be alive properly, a man must use his mind constantly and productively. That’s why rationality is the basic virtue according to my morality. Every achievement is an incentive for the next achievement. What for? The creative happiness of achieving greater and more ambitious values in whatever field a man is using his mind. For a man to conclude, “I have enough, so I don’t have to think,” would be the same as deciding, “I am rich now and can get around in a wheelchair, so why use my legs?”
-Ayn Rand                

Do you think God had a thought like this when He designed the blueprint for man?  I do.

Thursday, May 6, 2010

Foreclosures Expected to Increase this year

So maybe I spoke too soon. Earlier I posted something like, "The market is coming back!" Well this report is showing the worst may be yet still to come. In May of 2009, South Carolina ordered a temporary freeze on foreclosures statewide. That means that some properties may be 18-20 months past-due at the time foreclosure is completed. Donna Lehmer from First Federal says that by her projection the bulk of the foreclosures will come late this year.

All these homes are bellying up and the market is not yet fully corrected, which leaves many thinking we're not out of the woods yet. Many other speculators would believe that the market is prime for a buyer or investor to scoop up these properties from the banks. Only the banks aren't giving these properties away. They are mostly offering at comparative prices which means just below market value, but they are banks and banks are in the business of making money. Whether its real estate or stocks the value is being assessed on all sides.

My final word is that don't go off the deep end yet, we still have a few more bumps in the road to recovery. I think this summer will be a mixed year. Prices should rise steadily and then drop off while I expect interest rates to climb. You don't have to take my word for it, do your own homework.

Charleston Regional Business Journal | Charleston, SC