Author Archives: SafeZoneLife

My Back-Story

Throughout my career, I found myself deeply entrenched in the realm of “Corporate Sales.” While I thrived in this environment, I couldn’t shake the discomfort of losing touch with my authentic self. Corporate sales in America can be unforgiving, with … Continue reading

Posted in About Me, Backstory | Tagged , | Comments Off on My Back-Story


Why “Safe Zone”? Your contact and personal information is never sold or resold. No Pressure used in the Safe Zone. Your commitment to me in the Safe Zone I am an independent broker. About Us | Why “Safe Zone” | … Continue reading

Posted in Safe Zone | Comments Off on Why “SAFE ZONE”

Are IULs Scams??

When it comes to IULs, I must address the elephant in the room. Many videos out there refer to the IUL as a scam. Unfortunately, the IUL is dependent on the agent who is presenting it. I have seen multiple examples … Continue reading

Posted in IUL, SCAM | Tagged , | Comments Off on Are IULs Scams??

Cash-Value Life Insurance

Cash-value life insurance is a type of life insurance policy that combines a death benefit with a savings or investment component. This type of insurance provides not only a payout to beneficiaries upon the policyholder’s death but also accumulates a … Continue reading

Posted in Cash-Value | Tagged | Comments Off on Cash-Value Life Insurance


Guaranteed ADvantage Accidental Death Insurance Features ISSUES AGES: • 18-70 ACCIDENTAL DEATH BENEFITS: • $50,000 – $500,000 (increments of $1,000) • Spouse coverage is 100 percent of the Proposed Insured coverage and child coverage is 20 percent of the Proposed … Continue reading

Posted in Accidental Death | Comments Off on ACCIDENTAL DEATH INSURANCE

Cash-Value Life Insurance (An Other View)

A cash-value life insurance policy, often referred to as permanent life insurance, is a type of life insurance that provides both a death benefit to your beneficiaries and a savings component that accumulates cash value over time. This type of … Continue reading

Posted in Cash-Value | Tagged | Comments Off on Cash-Value Life Insurance (An Other View)

“Life Insurance Safe Zone” 5-Step Process

Step Mel Client   Details 1) Understand Share The first step in finding a possible solution is to understand the problem. I need to understand what the client’s current circumstances are and what the desired outcome is before we can … Continue reading

Posted in Process | Comments Off on “Life Insurance Safe Zone” 5-Step Process

Succession Plan Plus / Funding Buy-Sell Agreements

What would occur within your company in the event of the unforeseen passing of one of the owners, whether they are Corporate Officers or Partners? Have you established a prepared strategy that ensures the seamless continuation of the company, or … Continue reading

Posted in Funding A Buy/Sell Agreement | Comments Off on Succession Plan Plus / Funding Buy-Sell Agreements

High-Yield Annuities

What are Annuities? Annuities are investments issued by insurance companies that can be used to help build a guaranteed income stream or a retirement nest egg. It’s like being able to create your own pension fund or IRA. Annuities come … Continue reading

Posted in Annuity | Tagged , | Comments Off on High-Yield Annuities

Infinite Banking, in All Its Glory

Disclaimer: We are not suggesting that you are actually creating your own bank or that you are actually becoming a banker. Rather, we are stating a concept of taking back control of your money. You want to adopt a new paradigm … Continue reading

Posted in Infinite Banking, IRS Code 7702, Over-Funded Indexed Universal Life, Participating Whole Life | Comments Off on Infinite Banking, in All Its Glory