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Annuity Carriers We serve independent agents nationwide with dependable service and a complete line of core, voluntary and individual products. We offer annuity products from the carriers, please contact us for product information and contracting.

About BUI Utilizing leading carriers and a cadre of in-house specialists, BUI enables financial service professionals to employ life insurance, long term care insurance and annuity products to address their clients wealth transfer and wealth protection concerns. From the simplest income replacement transaction to complicated business and estate planning issues, the professionals at BUI make it easy for financial service professionals to reduce overhead, earn more compensation and make objective, professional presentations to their clients. Specialists Advanced Marketing Specialists - Estate Planning, Business Continuation, Deferred Compensation, etc. are important parts of your client’s wealth management strategy. BUI’s experts have years of experience and hold a prominent position in the advanced marketing arena. With their assistance, you can confidently offer your clients solutions to their more complicated wealth transfer and wealth protection concerns. In-House Underwriter - Inevitably, larger cases tend to involve applicants with special underwriting needs. Drawing on years of experience as the former chief underwriter of a life insurance company, BUI’s in-house underwriter helps professionals navigate through the maze of life insurance underwriting with an eye toward making the process as easy and comfortable as possible for your clients. LTC Specialist - Although Long Term Care Insurance (LTCi) plays a significant role in a wealth protection strategy, most advisors have less experience with LTCi than other insurance and investment products. Our Long Term Care specialists use their specialized knowledge of these products to assist advisors with the implementation of LTCi plans for personal and corporate programs. With a specialist at your side, presenting and closing LTCi cases has never been easier. Annuity Expert - With the availability of a plethora of annuity plans featuring more complicated provisions and benefits, it can be a challenge to make sense out of the market. BUI’s annuity resource can help you review SPDAs, SPIAs, Indexed plans and more to find the most suitable plans for your clients. Competition - Large case situations tend to attract more competition. Often, you find yourself competing against an in force plan or a new plan, with provisions that may be unfamiliar to you. Armed with years of experience, the team at BUI can help you favorably weather the storm of competition. Efficiency Nearly every business in America has recognized the value of outsourcing, as have most successful financial service professionals. Your time is valuable and better spent working with your clients than following up on your pending cases. Reducing overhead is one of the fastest paths to higher profitability. BUI employs a state of the art, paperless, high-tech, administrative system that insures faster processing and fewer errors. Professionals that work with BUI can expect: Weekly status reports (via e-mail) on your pending cases Consistent and regular communication about the underwriting process Knowledgeable, friendly, qualified New Business Consultants move your cases along quickly Paperless office environment providing immediate, secure transfers to carriers Web Access/Technology Your workday may not begin at 8:30 a.m. or end at 5:00 p.m. Access to important information 24x7 is an important advantage of the BUI website. After you register, you will find a variety of important features: Term Insurance Spreadsheet Quotes On-Line Carrier Software (no download required...and always up to date) Application, Appointment & Policy Service Forms Underwriting Data Advanced Marketing Resources Pending Case Status & more! Relationships Advisor: Most important to BUI is the relationship with the advisors that choose to work with the firm. Because the professionals that work with BUI are independent, it is incumbent upon BUI to earn the advisors trust, confidence and business every day. For those advisors that place a value on a higher level relationship, the programs in place at BUI offer enhancements and opportunities. Carrier: Through a national network of industry leaders known as LifeMark Partners, Inc., BUI enjoys enhanced relationships with prominent life, long term care and annuity providers. By way of aggregated production, BUI achieves the critical mass necessary to best leverage carrier relationships. These relationships allow BUI to provide advisors with exceptional underwriting, service and compensation.

Northeast Brokerage, Inc. was established with the goal of assisting our new and existing business associates with Life, Long Term Care, Disability and Annuity sales. Our goal as an organization is to be the easiest brokerage general agency for you to work with, living up to our motto - "We Make LIFE Easy!" Our customers invariably become our friends, as we have an overriding respect for the agents we represent. Our Sales Vice Presidents have extensive experience in Life, Long Term Care and Disability Income marketing. Our expertise also includes the Annuity marketplace. Our strategic partners consist of the major insurance carriers, and specialty companies as well, all rated "A-"or better. Northeast Brokerage, Inc... Expect The Best!

Northeast Brokerage, Inc. was established with the goal of assisting our new and existing business associates with Life, Long Term Care, Disability and Annuity sales. Our goal as an organization is to be the easiest brokerage general agency for you to work with, living up to our motto - "We Make LIFE Easy!" Our customers invariably become our friends, as we have an overriding respect for the agents we represent. Our Sales Vice Presidents have extensive experience in Life, Long Term Care and Disability Income marketing. Our expertise also includes the Annuity marketplace. Our strategic partners consist of the major insurance carriers, and specialty companies as well, all rated "A-"or better. Northeast Brokerage, Inc... Expect The Best!

Northeast Brokerage, Inc. was established with the goal of assisting our new and existing business associates with Life, Long Term Care, Disability and Annuity sales. Our goal as an organization is to be the easiest brokerage general agency for you to work with, living up to our motto - "We Make LIFE Easy!" Our customers invariably become our friends, as we have an overriding respect for the agents we represent. Our Sales Vice Presidents have extensive experience in Life, Long Term Care and Disability Income marketing. Our expertise also includes the Annuity marketplace. Our strategic partners consist of the major insurance carriers, and specialty companies as well, all rated "A-"or better. Northeast Brokerage, Inc... Expect The Best!

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Here at the Gelinas Financial Group, Inc. we specialize in Long-Term Care Insurance in Cumming Georgia. Long-Term Care can be very expensive and most people would go through their savings very quickly if they are left to pay for these services on their own. Long-Term Care Insurance can provide the financial relief when you need it the most. The cost of Long-Term care is on average around $160 per day. This doesn’t include any additional cost like prescriptions or other doctor visits that are necessary. Traditional medical insurance does not cover long-term care as some may think. Long term care insurance pays the biggest part of the expense so that the insured can maintain their quality of life while also protecting their assets. When long-term care insurance is offered through an employer it is a voluntary benefit. It can present several options with various policy riders. These riders can include waiver of premium, inflation protection, or premium refund at death. You may also want to offer several choices of pre-packaged plans to make this process easier for employees. This could include a choice of benefit duration such as lifetime, five years or three years with certain pre-selected riders built in. By offering your employees the option of participating in voluntary long-term care insurance you show them that they are valued employees. Many employer sponsored plans offer attractive group rates and simplified medical underwriting as opposed to a full medical exam. In addition these plan features are often extended to grandparents, parent and spouses. Naturally, these voluntary long- term care plans can be transferred at the same cost in the event of a retirement or job change so that you may maintain this valuable coverage. Call your representative at Gelinas Financial Group, Inc. to take care of all of your Long-Term Care Insurance needs.

Getting life insurance in can be the responsible choice if you are a significant earner in your family. And it may be the most selfless thing you ever do. Protecting you family financially in the event of an untimely death can give you a great sense of comfort and peace of mind. Failing to do so can leave loved ones with incredible stress and a financial burden that can be overwhelming. The payouts from life insurance can protect your family in the future should something bad happen to you. Part of the process involves considering your options for policies and providers and comparing quotes. A policy with a longer term and greater benefits is more expensive, but it is important to also understand the other factors that affect the quotes. Your Age and Gender Younger individuals can obtain less expensive life insurance because, simply enough, they are less likely to die and require the provider to pay benefits. On average, women can expect lower quotes than men of the same age. It’s not a question of favoritism toward women. The truth is that women have longer life expectancies than men. Your Lifestyle and Occupation Smokers are at higher risk for heart disease, certain cancers, respiratory illnesses, and death. If you smoke, your life insurance quotes are going to be higher than for someone who doesn’t smoke or use tobacco. Similarly, drinking is also associated with health risks, and heavy drinkers can expect higher quotes. You can get lower rates by quitting smoking or drinking. Individuals with high-risk occupations, such as police officers and dirt bike racers, have higher rates than those with low-risk occupations, such as those involving office jobs. Your Health Your quote considers your current health, health history, and family history because these all affect your risk of dying. Chronic conditions, such as cardiovascular disease, diabetes, and cancer can all raise your rates. You can lower your rates by managing certain chronic conditions. For example, keeping your blood sugar in check if you have diabetes can get you a lower quote. Since obesity is a risk factor for health complications and death, your quote is likely to be higher if you are obese. Losing weight can get you better rates.

You would be surprised at how little the general public knows about life insurance. Reviewing options on life insurance can be overwhelming, and leave many uninsured. Life insurance isn't required, but it's certainly something that doesn't cost much to add a little protection and piece of mind. The first thing people typically question is weather or not they need life insurance. The answer only lies within your personal situation. It really depends on if you have dependents and your financial contribution to your family. The purpose of life insurance is to help your family, or those you leave behind, in the event of your death. So if you have children and you aren't completely financially secure, it may be a good idea to check out a life insurance policy. They are typically much more affordable at a younger age. Life insurance is really a nice safety net for those families with a stay at home parent, just to have a piece of mind. Life insurance underwriters use risk classes to determine longevity, and the likelihood that the insurance company may have to pay a claim. A number of factors are used to determine your "risk class" including: Smoker or non-smoker Blood pressure, cholesterol and triglyceride levels Weight and height Income and lifestyle Medical history and overall health Family's medical history Hazardous professions and hobbie Once this information is reviewed, insurance companies determine an applicant's rate classification, which generally includes: Preferred Plus No Nicotine (also known as "Preferred Best" or "Super Preferred") Preferred No Nicotine Preferred Nicotine Standard No Nicotine Standard Nicotine Substandard The Preferred and Preferred Plus classifications offer the most attractive rates, while Standard Nicotine and Substandard categories sets an applicant back the most. Other major factors Applicants' height and weight may also figure into heart disease risk. Blood pressure is another important risk factor, and insurance companies have different cut-off points depending on people's age, because blood pressure tends to rise naturally as people get older. Insurance companies also review an applicant's general health and family history for evidence of hereditary conditions that could affect longevity. As you age, many of these factors become less important. What it takes for you to get the best rates The most-preferred classification, Preferred Plus, generally requires that an applicant: Be a non-smoker Have healthy cholesterol and blood pressure levels and not need medication to maintain those levels Have a relatively favorable body mass index (the relationship between height and weight), although this "can be overweight by most people's standards" Have no history of early heart disease in the family Applicants qualifying for the Preferred classification may meet the Preferred Plus requirements except that they may require medication to control cholesterol or blood pressure levels and may have a family history of early heart disease. Contact us today to be sure you are not paying too much for your life insurance policy and let us talk to about recent changes in the industry that could save you more cash!