Thursday, May 16, 2013

The American Dream

Like most Americans, our Association members have the expectation that when we retire, we will be able to kick back, relax and enjoy the "good life." We dream of traveling first class and walking on the tropical beaches of the world. We dream of eating in the finest restaurants and driving nice cars. We dream of being able to play an afternoon game of golf or tennis whenever the notion hits us. Is this not what we deserve after a lifetime of hard work? We all deserve to live life to its fullest both now and in the future. FREEDOMFLEX can help make your dreams come true.

Another dream our members have is to give their children a college education. Did you know that financial experts tell us that a child born today will need well over $80,000 (College Board Annual Survey of Colleges, 2010-2011) for a four year college education in a public college, and a staggering $250,000 or more in a private college? By utilizing our Association's Higher Education Program as well as FREEDOMFLEX you can achieve this dream.


The average retired worker receives $1,177 per month from Social Security! Could you live on $1.177 per month? (U.S. Social Security Administration-Statistical Abstract of the United States, 2011) 

6 out of 10 workers over the age of 65 do not have any pension plan coverage! (U.S. Department of Health and Human Services, 2010).

About 1 out of every 15 persons over the age of 65 earn less than $15,00 per year! (Administration on Aging, 2010).

3.6 million senior citizens live below the Federal poverty level! (U.S. Department of Health and Human Services, 2010)

The purchasing power of the dollar, as measured by consumer prices, lost 75% of its value from 1976 to 2010! (U.S. Bureau of Labor Statistics-Statistical Abstract of the United States, 2010).


In the First Year

Your premiums payments are transferred from either your checking account, savings account, or paycheck to an FDIC insured custodial account at a major bank. ISM administrators, a licensed and bondend premium administrator, sends it ton to Fidelity Security Life Insurance Company to purchase a Modified Premium Term to Age 100 Life Insurance Certificate/Policy. Part of your premium is allocated to the term life insurance and optional disability benefit portion of the Certificate/Policy. The remaining first year additional premium is allocated to the endowment portion of the Certificate/Policy and matures in 10 years. At the end of 10 years, this additional premium will be returned to you at about 260% of it original value, provided you do not cancel the plan before the initial 10 years are up.

Starting Year Two

Part of your payment is still allocated as your required premium for the term life insurance and optional disability benefit. The remaining payment now goes to work for you in your choice of an annuity or mutual fund (accumulation vehicles). Having a choice gives you control. Your automatic accumulation vehicle is a flexible premium deferred annuity. Your optional accumulation vehicle can be, for example, a no load mutual fund of your choice, in which case the investment company that you choose provides you with a prospectus, application, and full information at that time. Either way, 100% of your non-life insurance payment goes to work for you since there are no commissions going into someone's pocket. You may increase your accumulation payments at any time. (Results may vary depending on your selections).

At the End of 10  Years

You now have the flexibility to determine what is best for you. You may stop your payments entirely or continue them for as long as you wish. Depending on your needs the insurance coverage may be renewed for another 10 years, cancelled, or continued as decreasing term insurance until age 100. Payments to your accumulation vehicle are also flexible. You may stop them after 10 years or continue as long as you wish.

A representative can show you the amount of your benefits, and explain the results you might experience. An Illustration will be provided with your Certificate.

To get a copy of the "Most Frequently Asked Questions" send an email request to 

Underwritten by Fidelity Security Life Insurance Company, Kansas City, MO 64141
Modified Premium Term to 100 Life Insurance Certificate/Policy  M-1031, M-1033, Annuity R-02616
If issued as a Certificate, you can renew your plan for your entire lifetime. If the group master Policy is terminated your coverage will be continued as a contract directly between you and the company. This information is only a brief description of the plan, exact provisions of the plan are contained in the Certificate/policy.

FREEDOMFLEX is arranged exclusively for licensed agents by INTERSTATE SPECIALTY MARKETING, INC 17722 Irvine Blvd, Tustin CA 92780.
Jacqueline Phillips
Agent Representative of ISM
Information provided from brochure of ISM