Brian Downs’ Post

🌟 **EXCELLENT Tricare Resource for Reserve Members!** 🌟 Tricare has been one of the single greatest financial blessings of military service to our family. We compared two (very large) civilian employer health insurance options with TRS (Tricare Reserve Select) and there was NO comparison. ✅ Excellent coverage ✅✅ Flexibility with choosing PCP and specialty providers ✅✅✅ The most cost-effective coverage I've ever had If you are considering the United States Navy Reserves service in any capacity, I HIGHLY recommend you do some deep research, compare your options, and learn how this can be a positive financial decision for you and your dependents. #forgedbythesea #navy #navyreserves #priorservice #officers #bestcoverage

Gain an understanding of how the National Association of Insurance Commissioners reviews and proposes model laws and assess emerging issues in concise, easy-to-understand overview. Download the Primer to learn more: https://bit.ly/3vLZOgl. #actuaries #actuaryresearch #insuranceregulation #NAIC

#wednesdaythoughts A TERM LIFE ALTERNATIVE TO SGLI, VGLI AND THE REST THAT STANDS TALL! If you we’re departing active-duty service and there was a world class term policy alternative that could protect your nest egg in the event of a serious health crisis, wouldn’t you want to know about it? What this same policy was given BEST LIVING BENEFITS REVIEW in 2023 in USA Today, would that matter? How about “Best Overall Term Life Insurance” in 2022 by Forbes Advisor, would you be curious as to why? Certainly, right? What if you could accelerate your death benefits 24% two times in 24 months due to a critical illness or chronic illness and 90% to 100% of the death benefits due to a terminal illness, would that be life changing in a time of crisis? Yes and yes right? This is a wonderfully designed, entry level Term life product I help transitioning military qualify for so when life happens, the rest of their assets may be protected. * Sorry I don’t come to TAPS / TGPS / Safety Stand Downs or on base to help you. I certainly have your 6 though. 💯 ➕ Byron Kelly, Financial Professional WFG Agent | CPO, USN (Retired) CA License: 0K58667 | Multi-States Speak to me direct offline. 📱#navy #marines #airforce #army #dhs #coastguard #nationalguard Features and benefits to share ➡️: https://lnkd.in/eY-TiPP

Pictures are worth a thousand words! This one is actually worth over $100K! This is for a 40 yr old Male comparison VGLI versus Civilian Life Policy! 🛑 thinking of taking VGLI if you can get a civilian policy. 🛑 listening to your buddy who has 0 idea about life insurance. If you have VGLI or are seriously thinking of taking VGLI, lets talk so I can save you time and money. Also, we can talk about the process, and how life insurance actually works. You know me, my schedule is in the comments. #militarytransition #airforce #army #coastguard #marines #navy #spaceforce

Comment letters to NAIC on its “Framework for Regulation of Insurer Investments” https://lnkd.in/eUscUCfM #insurance #NAIC #investments

Pssst: Veterans! VGLI isn't what it's cracked up to be. Civilian life insurance vs VGLI numbers VGLI - $500K at age 40 men/women over 30 yrs will cost you $126K for today's rate! Civilian Life insurance - $500K dollar policy 40 yr old man 30 yr policy will range from $17,387 - $33,022! 40 yr old woman 30 yr policy will range from $13,822 - $25,314! Even if you have a table rating which would be more than what is quoted here, you would still save thousands over VGLI. Let's get you a policy and save you some time/money by working with an independent life insurance agent like myself. You know me, schedule is in the comments. Get in to talk with me and get your policy started. #military #militarytransition #airforce #army #coastguard #marines #navy #spaceforce #veterans

To my Veterans departing from the Military pay close attention. Before you get out, if you have been or get diagnosed with a major medical condition then, AND ONLY THEN, does it make sense for you to get life Insurance through the VA. If you have a heart attack, stroke, seizure, get diagnosed with Diabetes, Cancer, Severe Depression/Anxiety/PTSD/TBI (any combination thereof) where meds is required to maintain, or another similar Severe medical condition then you will MOST LIKELY not qualify for life insurance through a corporate carrier, i.e. F&G, NLG, Mutual of Omaha, etc.). Through the VA for either VGLI(have to apply within the timeline) or VA LIFE (only for VETS w/service connected disability rating) regardless of medical conditions the Veteran will be get approved for life insurance. THIS IS THE ONLY TIME LIFE INSURANCE THROUGH THE VA MAKES SENSE!!!!!! IF YOU CAN QUALIFY THROUGH AN INSURANCE CARRIER OUTSIDE THE VA (F&G,NLG,Mutual of Omaha, etc.) THEN IT IS IN YOUR BEST INTEREST TO GO WITH THEM. You will qualify for LIVING BENEFITS, MUCH BETTER PREMIUMS, more rider options, more flexibility, Whole Life to Term you can choose from, and all around BETTER OPTION. If you want me to show you the difference I can. #LifeInsurance #veterans #usarmy #usmc #coastguard #usairforce #usnavy #USSpaceForce

Pssst: Veterans! VGLI isn't what it's cracked up to be. Civilian life insurance vs VGLI numbers VGLI - $500K at age 40 men/women over 30 yrs will cost you $126K for today's rate! Civilian Life insurance - $500K dollar policy 40 yr old man 30 yr policy will range from $17,387 - $33,022! 40 yr old woman 30 yr policy will range from $13,822 - $25,314! Even if you have a table rating which would be more than what is quoted here, you would still save thousands over VGLI. Let's get you a policy and save you some time/money by working with an independent life insurance agent like myself. You know me, schedule is in the comments. Get in to talk with me and get your policy started. #military #militarytransition #airforce #army #coastguard #marines #navy #spaceforce #veterans

What do you do for your birthday? I get my favorite meal that my dad makes- Pork steak and potatoes! (lucky day today) Today starts a new trip around the sun! I have been around that thing probably more times than what I have left to go around. For my birthday a couple of years ago I gifted my family with life insurance. Even though I pay 225% more than your average Joe for it, I still don't pay as much as I would with VGLI. It probably isn't your birthday, but you can gift your family with life insurance any time of the year. Need a quote? Need someone to talk to about different options? Need someone that can save you time and money? GUESS WHAT? You have me to do all of this. My schedule is in the comments, get a free quote, professional advice and stop putting off getting your life insurance. The longer you wait, the more you are going to pay. #militaryspouses #military #militaryveterans #militarycommunity #airforce #army #coastguard #marines #navy #spaceforce #veteranshelpingveterans

If you are an insurer, you should take note of the NAIC-related activity that occurred following the Fall 2023 #NAIC National Meeting. Learn more in this article from our team at FORVIS.