ASK TONY about…. Indexed Universal Life (IUL)

The Need

College tuition costs continue to rise creating an unfavorable outlook for students who wish to attend.  Most students do not get to go to their first choice college simply because of the tuition, book fees and room and board.  Students even with a loan and certainly their parents, who wish to provide the education for their child to succeed, may not have planned for the actual cost of a four year education. There just isn’t enough money.

The Solution

Life insurance should be the essential building piece of a family’s financial plan. It provides the peace of mind knowing that their family will be provided for and have the funds for final expenses of the deceased loved one. However, there are other methods in which families can utilize IUL insurance policies.  The same policy that protects your loved ones can accumulate value.  This value can be used for educational funding as well as other financial needs.   

Indexed Universal Life

  • Provides tax deferred accumulation value
  • Allows for accumulation cap and the ability to get a loan against the value
  • Allows for tax deferred accumulation value for educational purposes
  • Generates a generally tax free death benefit that can help ensure educational goals etc.

Contact us today. #tax and #financial #solutions #business #accounting #indexed #universal #life #benefits #tax #deductions #educational #funds and #planning #strategies #tonysandroni

Question: What's a great wealth and estate planning tool?

Answer: Single Premium Indexed Universal Life.

"If you have funds parked in low interest CDs or Bonds we have an alternative. For some time now I have shown folks how to move low, taxable, interest earning accounts to Single Premium Fixed Indexed Universal Life Contracts."

"The contracts have Fixed account options and S&P 500 Indexed account options available all in one contract. You make a one time deposit into a this account and start earning better returns, TAX DEFERRED. The account also provides a death benefit that is always higher than the money you have in the contract. It is even possible to take cash out TAX FREE. If you are tired of taxable low CD and Bond rates and looking for an alternative, give us a call for additional information and free consultation."

"Best Regards,

Tony" #tax #financial #solutions #life #insurance #financial #planning  #protect #your #family #build wealth #universallife #customized #plan #tonysandroni


“The Tax Cuts and Jobs Act (TCJA) of 2017 will bring substantial changes to all areas of federal taxation, including the new qualified business income deduction rule contained in the new Internal Revenue Code (IRC) section of the 199A. As a result qualified and non-qualified retirement and pensions will be impacted.”

SOURCE: Advisors

Qualified Plans vs Non Qualified Plans

Qualified Plans (QP)

Qualified Pensions Plans have been the more popular vehicle for pensions and retirement funds.  These strategies include: 401s(K) (Employer sponsored plan), 403s(B) (Tax Shelter Annuity), Simplified Employee Pension (SEP) and Defined Benefits Plan (DBP)

 Non-Qualified Plans (NQP)

Some NQP do not meet the Employment Retirement Income Security Act (ERISA) Requirements but this allows for more flexibility for employers but may also limit the tax benefits.  However, under TCJA there are new methods in which business owners may further mitigate their tax burdens by using a non-qualified plan.

These strategies may include: Deferred Compensation, Split Dollar and Premier Bonus Plans.

Contact us to find out what might work better for your business.

Go to the website


Call #2282076225 or 

Email #tax and #financial #solutions #business #accounting #deduction #planning #tax #benefits #tax #deductions #retirement #funds and #planning #stategies #tonysandroni

I have been selling life insurance for 35 years and I feel this product is revolutionary in the industry.  

The "Easy Term Product" we have available has so many coverage options, that it solves several important family protection needs bundled into one easy contract!

Check this out.  

*10, 20 & 30 year level term life options for life insurance. (No Exams in most cases).

*"Real" Disability Income Protection Rider. Up to $1,500 per month for two years. (No Exams in most cases).

*Critical Illness Rider available up to 100% of the life insurance amount purchased.

*75% of your money back after the level term life period, (return of premium rider).

This plan can provide many important parts of a families overall protection at great price. If you are on a tight budget and need to protect your family against your death, disability and/or critical illness, coverage can be obtained with one simplified issue product. Please contact us for a quote.

Call #2282076225 or 

Email #tax and #financial #solutions #life #insurance #financial #planning  #protect #your #family with #termlife  #alico #easyterm #tonysandroni

Call Tony About Whole Life Insurance Protection 

Phone: 228-207-6225     Fax: 228-233-3233

Unlike car or home insurance that may be required by law or your mortgage company, life insurance is the only insurance required by love.

We know that life ends. But the love we have for our spouse, kids, and grandkids will never die. The best way to make sure that your love lives on is by purchasing a:

A permanent, whole life insurance policy.

Funeral and cemetery costs are on the rise.

Did you know that the average funeral now costs is $8,508?

  • Use your policy to pay for long term continuous confinement costs in a nursing facility 3.
  • Use your policy to enjoy your time with loved ones if diagnosed with a terminal illness3
  • Enough money to your cover final expenses ... from $1,000 up to $50,000 in life insurance protection
  • Plans available to fit almost every American, young and old (ages 0 - 85)1
  •  Only a few health questions to determine plan eligibility Competitive rates that never increase with protection that never decreases
  • Peace of mind knowing most of our claims are paid within 24 hours.

Free insurance protection for your children and grandchildren ...up to$5,000 upon their death4

Additional fees for a traditional service such as cemetery, monument, flowers, & obituaries can increase this cost to $14,858², do you have it?

Plus, you may not realize that Social Security will only pay $255* toward your burial if you qualify.

 ¹2015 NFDA General Price List Survey.


*According to Social Security Rules and Regulations 404.390

 Insurance policy issued from Settlers Life. For you. For them.


"Americo's HMS Plus Payment Protector is a Decreasing Term product that pays the death benefit in a

Lump Sum or  

MONTHLY income payments."

This product is perfect for Mortgage Life Insurance Family Protection!

 Phone: 228-207-6225

Fax: 228-233-3233



 Altrua Health Share Plan

So, If you are in good health and don't smoke this "Health Share" plan can cover you AND is "Obama Care" qualified! The monthly contribution is 1/3 the cost of "Obama Care" plans. The plan has high quality Coverage with in & out of network cost share.
These plans are "Faith Based" and similar to Co-op's in that they pool the healthy, non-smoker folks together and pay out "shares", (claims), when submitted.  The plan has been in existence for over 20 years and has paid out all qualified "shares" as they arose, bar none. Maternity is included! Please call or email for more information. (Rates)

Call #2282076225 or email about getting your Health Care Share Plan today. #tax #financial #solutions #insurance #financial #healthcare #healthshare #obamacare #financial #planning #tonysandroni


Social Security Income Replacement Solution

What happens to your Social Security benefit when your spouse passes away?

Many married couples rely on both of their Social Security benefits to provide monthly income, but when one spouse passes away, the surviving spouse will only receive the higher of the two Social Security benefits. Some people buy two traditional life insurance policies to help offset this loss of income. However, a traditional lump sum benefit solution can be expensive. Survivor Income Protector can be a more affordable alternative to help in the transition period of having less income.

Survivor Income Protector, offered by Americo Financial Life and Annuity Insurance Company, is a whole life insurance product with a Joint Life Rider designed to provide a benefit paid in monthly income payments to the surviving insured. This benefit can help offset the loss of income when a spouse passes away.

Who Should Consider Survivor Income Protector?

Survivor Income Protector may be a good fit if you:

î Are receiving Social Security benefits

î Are on a fixed income

î Want an income replacement stream instead of a lump sum death benefit

CALL TODAY - Phone: (228) 207-6225


Want to know how to pay your mortgage from the grave? A new life insurance product can now allow your mortgage to be paid if your breadwinner dies.

Want to know how to pay your mortgage from the grave?

A new life insurance product can now allow your mortgage to be paid if your breadwinner dies.

The Payment Protector coverage works like traditional life insurance, but without the expensive premiums or arduous examination. With Americo’s Payment Protector a family can pay a premium every month in addition to their mortgage payment and if there is a death to the insured, the premium stops and the death benefit payout for the lifetime of the mortgage. This variation of insurance allows for a higher death benefit than lump sum payments at an affordable monthly cost. Best of all, the coverage is portable, so if you move or refinance, it stays with you. It is also available in many States up to age 70 for those who qualify!

Want to see what it would cost to protect your mortgage? Simply fill out the quote request form below and I’ll generate a quote for you. Have any questions? Just hit reply and email me, or my phone number is up top.

Americo Financial Life and Annuity Insurance Company is authorized to conduct business in the District of Columbia and all states except NY and VT. HMS Plus Payment Protector (Policy Series 303) is underwritten by Americo Financial Life and Annuity Insurance Company(Americo), Kansas City, MO, and may vary in accordance with state laws. Some products and benefits may not be available in all states. Certain restrictions and variations apply.


  Top 3 Things to do for a Medicare Consult

1) You must initiate the call to us! By Law, we can NOT call you about your Medicare.

2) You must sign or otherwise record a Scope oAppointment agreement, (SOA).

3) Annual Election Period, (AEP), is October 14 through December 7. No changes can be made outside of the AEP unless you qualify for a Special Election Period, (SEP), or you just recently turned age 65, Initial Enrolment Period, (IEP). 

Once you call us, sign or record an SOA we can discuss your Medicare Options. It is no more difficult than that! We look forward to hearing from you this AEP!


Anthony J Sandroni  EA, LUTCF   
    Sandroni Tax & Financial Services       
                                Please call: (228) 207-6225 or E-mail: Thanks!