FREE REPORT from Dennis Volz

Beware Of Your Term Insurance THE TICKING TIME BOMB!
While TERM LIFE INSURANCE is inexpensive in your younger years, it becomes TERRIBLY EXPENSIVE when you are older.
This free report from Dennis Volz, will enable you to formulate a sensible plan to not only COMPLETELY AVOID the higher cost of TERM LIFE INSURNCE in your later years but to let the policy begin to PAY YOU cash EVERY MONTH!

If you’ve read any of our other reports, you’ll know that even though insurance has been part of our culture for over 100 years, to most people – It’s still a just a mystery. And because they don’t understand it, a lot of people think they’re being “ripped off” by the Insurance Industry; aka “The Club”

I want to end that for you.
I'm an industry "insider": A licensed member of “The Club” I’ve been inside the insurance business for over 25 years and I know it like the back of my hand: From policy to

claims and back again. I've sold insurance. I've studied it. I've discovered what makes "good insurance" -- and what makes "bad insurance".

I know that not all insurance is "created equal". Life insurance is certainly no exception. Placing all your coverage in TERM LIFE INSURANCE can be one of the costliest mistakes you could make.
To help us get started, please answer this question for yourself: WHEN DO I WANT MY LIFE INSURANCE TO BE IN FORCE?

(IN FORCE means that it’s paid, current and ready to pay a death benefit if you should die. )

Well, the obvious answer is: WHEN I DIE!! Of course… OK, when do you plan to die???? The next obvious answer (at least MY answer is) When I’m old. VERY OLD.

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Let’s face it. You purchase life insurance really hoping that you’re NOT going to use it any time soon. And you know what? Odds are that you probably won’t. Most likely you’re going to die when you’re older – Much older. But just in case you don’t, you purchase life insurance to protect the financial future of those you love. So let’s look at the facts of term life insurance. Nothing emotional or prejudged – Kind of like an FBI agent just examining the evidence to see where it leads. Here’s what Term Life Insurance life rates look like. This is just a typical example for a $100,000 5 year Term Policy, Male, non-tobacco rates. You can get different rates from a AGE Mo Prem AGE Mo Prem AGE Mo Prem hundred different companies. What will be the SAME 31 $25 49 $55 67 $222 from ALL THE COMPANIES is the UPWARD TREND of 32 $25 50 $60 68 $245 the rates. 33 $25 51 $66 69 $270 33 $26 52 $73 70 $298 ----------------------------------------35 $27 53 $80 71 $330 FACT #1 – Term life insurance is not very expensive 36 $27 54 $89 72 $364 when you are young. Notice how the rate doesn’t 37 $28 55 $98 73 $402 even change for the first 3 years.
38 39 40 41 42 43 44 45 46 47 48 $28 $29 $31 $32 $33 $36 $38 $40 $44 $46 $50 56 57 58 59 60 61 62 63 64 65 66 $104 $114 $127 $152 $116 $127 $140 $154 $169 $185 $203 74 75 76 77 78 79 80 81 82 83 84 $441 $484 $528 $576 $629 $687 $750 $798 $850 $907 $968

FACT #2 – Term life insurance premiums increase as you get older. Take a look at the chart. Except for the first few years, the rate increases EVERY YEAR. FACT #3 – Term life insurance gets VERY EXPENSIVE when you’re older. Notice how it increases VERY SLOWLY until about age 50 when it really starts to take off.

FACT #4 – The premiums you pay for term life insurance never come back to you. You see term insurance is kind of like renting an apartment. Certainly cheaper every month than buying a house, but when you leave you leave all your hard earned money with your landlord. FACT #5 – At some point in time, you’ll look at your monthly premium for your term life insurance and say, “I just can’t afford this any longer.” It usually happens just about the time you retire and your income is going down a little and the cost of your life insurance is rocketing through the roof! Check the premium at AGE 71… WOW!

Could be a problem, don’t you think?
At age 71 you may not need the insurance any longer. But let’s just say that you do. Maybe the house isn’t quite paid for, there’s some money you’d like to leave to family, grandkids, spouse, your church… could be a hundred different reasons. The problem is that if you want to keep your insurance, you probably can’t because it’s just become too expensive for you.

Wouldn’t you like to have the option to keep it or not?
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Let me show you how you can have that choice then by making a simple decision today. Get a small permanent life insurance policy today that will give you options when you are older.
Here’s what permanent insurance can do for you. 1. Provides you with insurance you can keep for the rest of your life. 2. NEVER increases in premium. 3. Usually allows you to stop paying the premiums just about the time you retire and REMAIN INSURED FOR THE REST OF YOUR LIFE. 4. Sometimes you can even have the policy PAY YOU a monthly income. (I’ll include a few more for you at the end of this section…. Look or this little guy again. Remember -- Odds are you’re going to live and your term insurance isn’t going to pay a death benefit for you. But it fills a need when you’re young. Generally in your younger years 30-55, you’re financial responsibilities are high. You have kids, house payments, extra cars, college to pay for, on and on and If you haven’t already determined on… how much insurance you need… Usually, when you hit 55-60 or so, those obligations are MUCH LESS! You don’t need the amount of life insurance you needed when you were younger. The kids are out of the house, you have fewer cars to “support”, college is done, the house is paid for (or nearly so…).

Get your copy of
7 Things You Need To Know BEFORE You Buy Life Insurance

just give me a call or drop me an email Dennis Volz 619-670-1000 or go to and to the RESOURCES Page.

BUT…. There will still be expenses to handle when you die – Funeral, maybe some small debts to pay off, or possibly you need to provide an income for your spouse at the loss of you retirement income. The cheapest way to pay those expenses is ALWAYS WITH SOME LIFE INSURANCE. Much cheaper than drawing money out of the savings account. But here’s the problem with that… If you need $500,000 of insurance coverage today because your obligations are still in the fast lane, you probably can’t really afford to buy all of your life insurance as PERMANENT insurance. Page 3

So here’s a couple of help questions for you: 1. Do I want some life insurance in force when I die? (probably yes) 2. What’s my best guess of when that will be? (let’s say you guess 78) 3. How much do I want in place at that time? Whatever your answer is for question 3, THAT’S how much permanent insurance you should have. Consider term insurance to fill the rest of your needs.

$500,000 or permanent insurance would cost you at least $300-$400 per month. And here’s the answer…. Get the term insurance you need to cover your obligations today. Get a small amount of permanent insurance to keep for the rest of your life – maybe $50,000 or $100,000. Drop the term insurance when it gets too expensive and keep the permanent insurance. Life insurance is the ONLY kind of insurance you buy where you’re GUARANTEED to make a claim. Your term insurance may or not be in force when you die. Your permanent insurance will be. And here’s the real rub! TERM insurance is usually only renewable to a certain age and, as we’ve already seen, then it gets VERY expensive. Even if you decide to pay the additional premiums, you may live longer than the policy can be renewed.

(even before you may really need it…)


Life insurance is cheaper when you’re younger. On the permanent portion of your insurance plan, the longer you put your money to work for you, the better the result! 2. When you’re young, you’re insurable. When you’re older; maybe you’re not. We’re all just one doctor visit away from NOT being able to buy life insurance. If you’re diagnosed with even a minor ailment the cost of your life insurance can go up dramatically and in some cases, you won’t be able to buy it at all.

Here’s some more benefits of permanent insurance if you choose UNIVERSAL LIFE as your policy: 5. Your earnings are TAX DEFERRED which means Uncle Sam actually is helping you pay your insurance premiums. 6. Your policy PREMIUMS are flexible which means that if you hit a period of financial hardship you can actually STOP PAYING for a short period of time and continue to be insured. 7. You can adjust the amount of your coverage up and down depending on your changing needs. (you’ll need to be insurable of course to increase the coverage unless you’ve planned ahead by adding GIO to your policy. Good to get, but too much to explain here. Ask me when I see you.)

So here’s all you need to do…

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Get the numbers on your own permanent insurance plan. For just the price of a Starbucks a day OR LESS, you can have the peace of mind that comes with owning a permanent insurance plan that can make your life so much easier when you are older. NO obligation, no pressure, just take a look then decide.

Just give me a call 619-670-1000 or drop me an email to I just need to know three things: 1. Your age 2. If you want $50,000, $75,000, or $100,000 or permanent insurance (you can choose any amount above $50,000 of course, but most choose one of those three.)
I’ll print out an illustration of your policy and meet with you for about 15 minutes and then let you decide.

And just like the TV commercials tell you….

BUT WAIT ! ! ! !

THERE’S MORE!!!!!!!!

When it comes to buying life insurance, you should always deal with a LARGE, WELLKNOWN, REPUTABLE INSURANCE COMPANY. One easy rule is that if you haven’t heard of them, be suspect. I guarantee you’ve heard of ours – we’ve been at it for over 75 years! Today we have over 7 million life and annuity policies in force. Since 1929 we have been protecting American families one policy at a time. Just go .

WOW! Kind of impressive!

I think so.

And it’s ALL included at no additional premium...

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BUT WAIT ! ! ! !


We offer NATIONWIDE AND 24 HOUR CUSTOMER SERVICE. That’s right -- Doesn’t matter if it’s a claim or a question. You simply call my office number, 619-670-1000 and you’ll have access to our 24 Hour Customer Response Team and/or to my personal cell phone. Should you need insurance help while away from home, we have over 1000 claim offices and over 16,000 agent offices across the United States and Canada all committed to giving you friendly, efficient home-town service (even if you’re from California !


BUT WAIT ! ! ! ! THERE’S MORE!!!!!!
We also offer free 24 hour online access to your policy information. Our company website offers you more insurance information than your brain can possibly hold. It’s all available with just the click of your mouse, 24/7/365. You know what? There’s still more…just a little…

We’re a friendly, local office with a licensed, trained team to assist you in every phase of your insurance. We’ve been in business here in San Diego County for over 25 years. And, BONUS! Whenever you call us during regular business hours, there’s NO ELECTRONIC TELEPHONE MENU to navigate -- Just a friendly voice on the phone ready to help you. (if you call after hours,
there is a single-choice menu where you simply choose to leave a voicemail or to speak to a real, LIVE person)

Go ahead. If it’s during business hours, you’ll get us; after hours and you’ll get the Customer Response Center. 619-670-1000 !

“WOW”, you say! “And that’s all included at no additional premium?”


ONE MORE…last one…. I PROMISE…

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WE’LL REVIEW YOUR ENTIRE INSURNCE PORTFOLIO whether it’s with us or not FOR FREE. Face it! Life changes and your needs for insurance change right along with it. We’ll sit down with you or you can just call us. You should do this AT LEAST ONCE A YEAR. But in our office, we’re glad to review your coverage ANYTIME YOU’D LIKE – Annually, semi-annually, monthly, weekly… you ask for it, you’ve got it. Sometimes it’s done when you change cars or when you move. Sometimes we do a little minireview on the phone in 5-10 minutes. Sometimes we sit down with you for an hour or more if that’s what it takes. It’s all up to you…

This is so simple and easy to do.
We do all the work for you and in usually less than 30 minutes, you’ll have protected your family, their future financial stability, and your peace of mind!
Why somebody wouldn’t have their LIFE INSURANCE with us is simply beyond me.

In our agency we offer you 5 different ways to pay your premiums. You have your choice of annual, semi-annual, Quarterly, Monthly and SPECIAL MONTHLY…

“So what’s so special about SPECIAL MONTHLY,” you might ask. It’s special cuz it’s just so insanely easy. We set it up for you and your monthly payment comes right out of your checking account: Same day; Every month.

So, here’s what you get…
        

A FREE, simple process to help you decide if you need any life insurance and, if you do, to help you get just the right policy for YOUR needs. A financially strong, been-around-forever Insurance Company (well, since 1929 anyway…) 24 hour and nationwide customer service for claims or questions Online access to your policy information A local office with a trained team to help you (and NO MENUS WHEN YOU CALL) A FREE annual (or semi-annual, or monthly, or whenever you want it) REVIEW OF YOUR COVERAGE Payment options to fit any budget We’ll walk you thru the whole process (probably will take less than 30 minutes) Confidence that you’re buying the insurance you need: NOTHING MORE, NOTHING LESS

And yep, you guessed it…

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All included for no additional premium… If you’re still not sure let me make it even easier….
Believe it or not, I’ll


That’s right…. As a small thank-you when you purchase your LIFE INSURANCE policy in our agency we’ll give you a

pre-paid gas card.

If you’re still not sure let me make it FUN….
Not only will you feel the relief of having all that protection, get some free gas, AND have someone walk you thru the whole thing step by step, but I’ll also give you a little bonus for the drive home with a

FREE Latte from Starbucks…
As another small thank-you when you purchase your LIFE INSURANCE policy in our agency we’ll give you a pre-paid Starbucks Card on top of EVERYTHING else…

I know…just too good to be true…. BUT IT IS ! ! ! !   

And yep, you guessed it… It’s all included for no additional premium… It just doesn’t get any better OR EASIER - than that…

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You’ve got everything to gain and NOTHING to lose. I look forward to talking with you soon!


Dennis Volz 10783 Jamacha Bl, Suite 1 Spring Valley, CA 91978 619-670-1000

CALL me (619-670-1000), FAX me (619-670-1121), or go to and to the RESOURCES Page.

This letter contains only a general description of coverages and is not your insurance contract. Details of coverage or limits can vary. All coverages are determined by the terms, provisions, exclusions and conditions of your policy along with any endorsements. ALL RIGHTS RESERVED. Copyright (c) 2006 – SmarterInsurance Inc -- No part of this document may be reproduced in any form, or by any means, without prior written permission of the copyright owner. LEGAL NOTICES: While attempts have been made to verify the information provided, SmarterInsurance Inc will not assume any responsibility for errors, inaccuracies, or omissions. Since this document presents general discussions, always consult a qualified professional regarding your specific tax, legal, financial, and personal circumstances.

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