In today's market. One might be looking for an ideal investment; higher yields, assurances that the principal or earned interest will not be affected by downward market swings, backed by an "A" rated company (rated by AM Best rating agency), and easy to turn savings into income upon retirement. Like any investment there are some pro's and con's, but looking back over the last 12 years, one would be further ahead by mitigating market risk, reducing portfolio fee's and investing in a contract that would have assured an 8% rate of return, even in the market downswing. Of course, there are stipulations to all investments, this contract is no different, but we believe that it is a very attractive offering and it might be a good fit for clients and their portfolios. Contact Becker Financial Services, Inc. for more information 520.742.2234.

By selling life insurance policies on the secondary market - as opposed to letting the insurance contract(s) surrender or lapse - policyowners can realize four- to five-times cash surrender value for unwanted or unneeded insurance. The fact is that nearly nine out of 10 universal life policies never mature in a claim. And while the right of consumers to sell unwanted insurance to another party was affirmed by the courts nearly 100 years ago, policy owners have traditionally had only one potential buyer - the life insurer who originally issued the policy. Contact BFS 520.742.2234 to have your life insurance contract(s) appraised; Term, Whole Life, Universal Life and more. Must be over the age of 65 with a minimum life insurance death benefit of $250k.

Becker Financial Services, Inc. takes a unique and refreshing approach to servicing your current life and long term care insurance policies. As an independent third party that works with insurance carriers on your behalf, BFS provides an unbiased, proactive examination of your insurance needs, which serves to enhance the protection you and your family deserve. As part of our initial insurance review, BFS will examine the language in the contract, identify gate keepers to receiving benefits, review the financial strength of the insurance carrier, price benefits to current rates, and explore alternatives which could reduce your premiums or enhance your current contract. Once your insurance policy is in force, BFS then maintains a high level of service by providing you with annual policy summaries, annual beneficiary notices, updated pricing information to ensure that you are receiving the best benefits you can get at the best possible rate, and relevant surveys to keep you informed of industry changes and trends. We work with you to help keep your policies up to date and to provide you with the kind of insurance protection you need.