Variable Insurance Products...


Catering to the Consumer
It the the Firm's policy to screen and research various insurance companies at least annually as to their product design and quality. Rather than offer many companies who have similar returns and premiums, it is the intent of the Firm to write a lot of insurance with a few most competitive carriers for the purpose of providing good consumer value to our clients.

If for some reason you do want a particular product and or underlying unit investment trust, please be assured we can get it for you, either through direct brokerage agreements which we carry with a number of other insurance companies or as a matter of cooperating broker dealer and insurance brokerage arrangements we have in place. We can offer a virtually unlimited list of capabilities because of our vast corporate networking.

The Variable Insurance Carriers currently approved and recommended by our Marketing Department are:

Nationwide Life Insurance Company in Columbus, Ohio;

Pacific Life Insurance Company in Newport Beach, California;

Ameritas Insurance Company in Lincoln, Nebraska;

Guardian Life and Annuity Insurance Company;

Aegon Insurance Companies including TransAmerica Insurance Companies;

American Skandia (now owned by Prudential Securities);

United Investors Life out of Birmingham, Alabama;

Western Reserve Life in St. Paul, Minnesota;

USAllianz in Chicago, Illinois; and of course

The Hartford Insurance Companies in Hartford, Connecticut.






There are several other reasons for our marketing with a select group of variable insurance companies.

First, it gives the Firm leverage should the particular companies ever fail to perform to its expectations and promises.

Secondly, it serves as an incentive for other competing carriers to produce quality products to merit our representation and marketing.



If you have any questions you can always feel free to call us at 800-510-2055 or e-mail us at:
marketing@multiplefinancial.com



Examples of Riders and Policy Types:
• Term Life Insurance
  
• Variable Universal Life
  
• Last to Die Policy or Multiple Lives Policy
  
• Long Term Care Riders
  
• Return of Premium Riders or Increasing Term Riders
  
• Zero Percent Cash Value Loans and Wash Loans
  
• Bank Financing Premium Loans
  
• Guaranteed Whole Life
  
• Guaranteed No Lapse Universal Life
  
• Variable Annuities and Indexed Annuities
  
• Multiple Life and Annuity Riders
  
• Guaranteed Interest Rates on Accumulations
  
• Guaranteed Payouts, and much much more.