Dear Charlie:
We had been looking for approximately two (2) years to reduce the cost of six (6) life insurance policies that myself and my siblings had acquired over the years on our father. These policies had gotten out of control from a cost standard point and we were on the verge of cashing them in.

My father, who is now 75 years old, has had two (2) heart attacks and one (1) quadruple bypass within the last three and a half (3-1/2) years. Other than that he is in excellent health. All of the other insurance companies that we contacted could not help. We contacted you and you assured us that you could help us. At the same time I said to myself, “he will never be able to do it, we will have to live with the existing policies and suffer through the burden of paying these outrageous premiums for the rest of his life”. However, you made a believer out of me, not only did you get the policies reissued under one (1) new policy, but you got my father’s rate at a Super Standard and saved us over twenty-six (26%) percent in annual premiums and as if that was not enough, the value of the policies increased by ten (10%) percent, even better, it did not even cost us one (1) dime.

On behalf of my entire family, we say thank you again. You have certainly earned our trust and friendship over the last nine (9) to ten (10) months and we look forward to continuing our relationship, both on a personal and business level. We hope to see you again when we visit our son, daughter-in-law and new grandson in Florida.

Sincerely, 

Eck Realty Company, Eck Realty Company (RE: Life Insurance Audit – Family Estate Planning)

Dear Charlie:
As the Trustee of my fatzher’s Irrevocable Life Insurance Trust, I want to thank you again for assisting my family in placing life insurance on my 83 year old father. When we were going through the estate tax planning process and you were referred to us by our attorney, I must say that I really did not believe you would be able to provide the life insurance we were seeking due to my father’s age, Parkinson’s disease and overall declining health conditions.

I realize that you worked diligently for 6 months on our case and even went out of your way to provide additional education for some of our family members so that everyone would have a better understanding of exactly how life insurance would benefit the beneficiaries once the estate taxes become due.

As you are fully aware, my father passed away 8 months after the life insurance was put in force. Needless to say, the proceeds from the life policy have made a tremendous impact with respect to helping us cope with the estate taxes that became due.

Thank you again for all of your efforts and if I am ever in the position of referring you to anyone seeking life insurance, I will be glad to do so without any hesitation.

Sincerely, 

Harris Feinstein, M.D. Tampa, FL (RE: Estate Tax Planning – Life Insurance Policy)

Dear Charlie: 
My hat is off to you and McKay Financial Network for what you have been able to accomplish for me and my future beneficiaries through your life insurance audit program.

When we originally spoke over the telephone, I have to admit I was a little skeptical as to whether or not you would really be able to improve upon my life insurance portfolio as it stood. After all, I had purchased those policies 16 years ago and had a substantial investment in all 3 of them.

As you pointed out, with interest rates being credited to my existing policies at an all time low and the fact that mortality costs have actually decreased because people are living longer…it was a good time to look at replacing my existing policies with a couple of newly engineered (priced right with better guarantees) policies.

Even with the new “state of the art” policies, I was extremely pleased that you were able to pay off my existing loan (with no out of pocket expense to me), lower my existing annual premium outlay by 17.5% and increase the longevity of my coverages to age 120 under current interest rate and mortality expenses assumptions.

You have certainly earned my trust as well as the trust of my wife and beneficiaries. I will not hesitate to refer you to my friends and business acquaintances and look forward to continuing our relationship.

Sincerely, 

David M. Stevenson, Lafayette, Indiana (RE: Life Insurance Audit – Succession Planning)