Rebating:  Offering to share your commission with the applicant, is illegal and stupid.

Misrepresentations:  Misrepresenting the policy, the benefits, the terms, the dividends (or guaranteeing them), a company's financial condition, are all violations of Unfair Marketing Practices.

Twisting is the illegal inducement to drop existing insurance in order to purchase similar coverage with another agent or company.  For example, an agent making false statements about the financial condition of the company or by giving an incomplete comparison of policies is Twisting the prospect.

What's
a perfect gift
for newlyweds?

Health Insurance!

Newlywed Insurance?

Yes, what could be more important than knowing those kids you love are covered with a full-blown major med at a very low price that actually pays for pregnancy too, just like it was some kind of illness?

The protective coverage of good Insurance will always be a great gift for yourself, or for someone you love at an important time in their lives.  Let me tell you a little more about the insurance I offer

INSURANCE COVERAGE
of the
FINEST KIND

Once upon a time there was a poor Scottish farmer whose name was Fleming, and so poor he barely kept his family fed.  Even though he and his son worked from daylight to dark, the soggy ground would not yield up its treasures.

One day  Farmer Fleming heard a cry for help coming from a nearby bog. He dropped his tools and ran to help along the safe trails he knew.

There he found a terrified boy, struggling to free himself from the black muck that already sucked him down to his waist.

Farmer Fleming stretched forth his hand to save the poor lad and pulled him out of what could have been a slow and terrifying death.

The next day, a carriage pulled up to Farmer Fleming's little grass-thatched hut. A rich nobleman stepped out and introduced himself as the father of the boy who had been saved the day before.

"I have come to repay you," he said. "You saved my son's life."

Fleming bristled at the thought of being repaid for doing only what he felt anyone else would have done.  "No, I can't accept payment for what I did," he replied.

At that moment his own son stepped out the door of the family hovel.  The nobleman studied him for a moment.  "I'll make you a deal," he said. "Let me take your son and give him a good education.  If the lad is anything like his father, he'll grow to be a man you can be proud of."

Where he would never have accepted anything for himself, Farmer Fleming could not resist the offer of a fine education for his son.  It was a chance to insure the boy's future, his chance to do bigger and better things than the farmer had. 

And that he did.  The boy studied hard and in time, he graduated from St. Mary's Hospital Medical School in London.   Later he went on to discover Penicillin and became known throughout the world as the noted Sir Alexander Fleming.

Penicillin has saved many lives over the years, mine for sure, probably yours too or at least almost certainly someone you hold near and dear.

The nobleman who freely gave Sir Fleming his education that opened the door to the discovery of Penicillin was to be the beneficiary once again.  His son was stricken with pneumonia years later. What saved him?

Penicillin.

The nobleman was Lord Randolph Churchill.  History knows his son's name well.   He was Winston Churchill.

The finest kind of insurance protection you can give yourself and your family is living right and doing right.  Write yourself out a policy, and pay the premiums every day they are due.