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In 1975, I was the first insurance major to graduate from Miss State. My dream was to play professional football and sell life insurance in the off season. A spinal fusion while playing at Miss State and lack of talent ended the professional football dream.

I provide "Internet Prices with Personal Service". Specializing in life insurance, annuities, income tax free retirement income, 401k and identity theft protection. I received my Chartered Life Underwriters degree from the American College in 1984. I have also been a Million Dollar Round Table recipient, National Quality Award recipient and a state sales leader.

Jackie Calhoun, CLU provides life insurance for family income, debt, education, retirement, business buy-sell agreements, business key man life insurance, employee benefits and estate tax liquidity. I give the same attention to someone wanting a $25,000 policy as I will to someone wanting a $5,000,000 policy.

Unless my client is looking for supplemental retirement income, I normally recommend term life insurance for those under age 45. I prefer a combination of term and permanent when affordable. I've found that many of my older clients who thought that all they wanted was term life insurance, will if affordable, convert the term. Once someone becomes 65 or older, they begin to realize their mortality, don't like the idea that they have spent a lot of money and are about to outlive their coverage as well as they may want to provide a legacy to their children, grandchildren, church or other charitable organization.

For those with health issues, I'll do a trial application with no exam and ship it to multiple carriers to see which will offer the best tentative rates. I closed a $5,000,000 case because I was only able to get just 1 company out of 50 to offer a standard rate.

Many of the policies I sell have a no cost Chronic Illness, Critical Illness and Terminal Illness riders that allow the owner access to much of the death benefit while living. The Chronic Illness rider could reduce or eliminate the need for long term care insurance. The fact that existing long term care policies keep going up in cost concerns me that many will not be able to afford them & they will no longer have them at the time they need them. This rider helps solve that problem.

For those wanting a supplemental income tax free income, we can use an unlimited contribution indexed universal life product. Once I know how much premium a client wants to spend, I find out the minimum amount of life insurance the government regulators will allow. Premiums are paid with after tax dollars, the growth is tax deferred and the income tax free income can be withdrawn through a series of zero net cost loans. The indexed universal life locks in gains each year, can't go down because the stock market decreased, resets each year so that one does not have to do as those in the market and wait to recover previous losses. This is especially popular with successful business men or women and professionals under age of 55.

For those with a life expectancy of under 12 years that own life insurance policies that they no longer need or can afford, I will attempt to sell their policies in the life settlement market. Recently, I got a client $175,000 for a policy that had no cash value. He was about to cancel it and walk away with nothing.

A tax deferred indexed annuity is a good savings option for those that will not need the money before age 
59 1/2. It can be used for an IRA, rollover from a 401k or regular non-qualified money that may be siting in a taxable CD. It is important to note that when money is taken out of an indexed annuity, it is taxed on a last in, first out basis. The tax deferred indexed annuity often provides an initial bonus of 3-10%, locks in gains each year, can't go down because the stock market decreases and re-sets annually so that after the market declines, one does not have to wait for it to recover before realizing gains again. It is important to note that because of the longer surrender periods, one should not put money into this product if during the surrender charge period, they will need over 10% out in a given year. Most products offer a 10% annual withdrawal without surrender fees or market value adjustments for bonds.

In 2013, I became very concerned about identity theft. I came across LegalShield's IDShield and liked it so much that I added it to my sales portfolio. The cost is $9.95 per month for an individual or $24.95 per month for a family up to 10 (Family Plan includes member, spouse or significant other and children under age 18).

IDShield monitors and restores one's identity using the world's largest risk management company, Kroll. 
The US Military uses Kroll for background checks & Kroll froze Hussein's assets. Credit bureau, criminal records, social media & black market websites are among the things monitored.

$5,000,000 Service Guarantee. Sign up on line: http://www.jackiecalhounclu.com.

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