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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.

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Get serious about Disability Insurance sales! Life and Health Insurance producers are plentiful. Do you want to set yourself apart? How about selling a product that actually pays your clients in their greatest time of need? Enter the Disability Income producer. I can assure you that if you sell a client DI or LTC you can get the life insurance next. How many Life Insurance products pay double digit renewals? If you work with professionals, business owners, groups or even individuals, here is an opportunity to build an income that you will never outlive Whether you are working the high end or the Average Joe market, we can train you how to sell and make Disability Insurance affordable for anyone! Disability Insurance is truly the most valuable insurance your client will ever own! Contact us today and let us help you get started. Harbor Insurance Marketing offers the top carriers in the Disability marketplace.

Illinois Mutual offers life insurance, annuity, and disability insurance solutions for middle America, gives competitive compensation and incentives, provides personalized sales service, supplies free targeted marketing materials, and gives you direct access to underwriters. The Future Looks Bright You're looking forward to your retirement, but are you doing it right? Like most things in life, you'll get the most from retirement by planning, and there is no better time than now to start. You should also consider reviewing your insurance coverage to be sure they support your long-term goals. Illinois Mutual can help you assess your future financial needs and recommend solutions to make sure that your retirement is enjoyable and worry free. Disability Insurance Your income is one of your most valuable assets and the loss of your income could mean a drastic change in lifestyle for those who depend on it. If you were to become sick or hurt and unable to work, how would you provide for your spouse or other loved ones? If you have to dip into savings now, your retirement savings will only decrease. Protect your future savings, by protecting your income now. Life Insurance Consider what happens to your employer-sponsored insurance benefits after you retire. Unless you are eligible for continued coverage in retirement, some benefits such as life insurance may end after you stop working. If so, you need to arrange for individual coverage so you can provide a secure future for your spouse and other loved ones after you're gone.

Life Insurance The policy could be a term policy, whole life (or a variation of whole life such as 20 year payment life, or life paid up at 65), endowment, universal life, or some other type. The type of policy will determine many other aspects of the policy, such as whether it has cash or loan values, the length of time you are scheduled to pay premiums, etc. Permanent Life Insurance Permanent life insurance is a form of life insurance where the policy is guaranteed for the life of the insured (assuming the policy is kept current and the premiums are paid). The four basic types of permanent insurance are whole life, universal life, limited pay and endowment. Whole life insurance offers a level premium and a guarantee by the insurance company that the policy will earn cash value. Often referred to as permanent insurance, the death benefit guarantee for a whole life policy can be anywhere from age 100 to age 121. Once a policy has been issued both the death benefit and premiums remain the same and typically cannot be changed or altered. Universal life insurance is another type of insurance product intended to provide permanent insurance coverage only with greater flexibility. A universal life insurance policy also earns cash value and since both the premium and death benefit are flexible the amount you pay can increase the cash values.

Dean Normal Dean 2 1 2011-09-07T18:33:00Z 2011-09-07T18:33:00Z 1 319 1820 DAI 15 3 2235 9.3821 Single Premium Universal Life A single premium Universal Life Insurance policy provides all of the advantages of regular Universal Life Insurance with just a single lump-sum amount paid at policy inception, creating an immediate guaranteed death benefit amount without having to make any future payments. The death benefit depends on the amount of the single premium payment at policy inception, along with the age, gender, and health condition of the insured, with younger, healthier individuals having a smaller initial single premium payment and a larger death benefit. The single premium Universal Life Insurance policy include all the benefits of a typical Universal Life Insurance policy, such as being an asset, providing a cash account that can grow in value past the minimum death benefit, investment options that can more quickly grow the death benefit, and tax advantages that other financial products cannot provide. The single premium option assists individuals in growing returns quickly because the plan is fully funded and assures a guaranteed benefit in the future for a single lump-sum payment at present. In addition, such single premium insurance can ensure that dependents will be cared for properly and protect the estate of the deceased from liabilities placed against it, such as medical bills and long-term care costs. A single premium option is attractive to those individuals with available cash and the desire to find a low-risk way to protect and guarantee a healthy inheritance for their dependents. Because the policy is permanent insurance, it is an asset with value that can continue to grow, and when fully funded, can serve as an income source if desired, or be surrendered and sold for cash, depending on the specific terms of the issuing company. The insured also has the option of taking a low-interest loan against the cash value if needed, and many policies provide guaranteed minimum cash value that equals the single premium so as to ensure the initial investment is protected. Single premium plans can also be rigid, with the potential for tax penalties, owed income taxes, and policy surrender charges for early withdrawal based on applicable tax rules.