Andrews Financial Services LLC

11/11/2025

What the repeal means:
California removed the 20-hour prelicensing course (effective Jan 1, 2026) but still requires passing the state exam, fingerprints, and 12 hours of Ethics & CA Insurance Code before licensure.

Impact on new agents:
Lower entry cost/time ≠ better preparation.

In an environment where many agencies emphasize recruiting and product scripts over real education, baseline competence will likely decline. Agents may pass the test yet miss depth in policy mechanics, suitability, and California specific rules. The burden shifts to carriers/agencies with rigorous training and to self-driven agents to pursue credible, comprehensive education beyond the minimum or risk weaker client outcomes and higher compliance exposure.

What consumers should know:
Titles and taglines aren’t a proxy for expertise. We encourage consumers to ask agents about their training beyond licensure (policy design, suitability, tax coordination, and CA regulations) and how recommendations are vetted. The best advisors and agency’s will welcome those questions and answer them with substance.

11/04/2025

Happy to be connected with legacy carriers

Learn which insurer provides the best whole life insurance policy.

10/15/2025

Crowdfunding the grocery run? It’s happening, and it’s a signal to build safeguards that don’t rely on donations. At Andrews Financial Services, we provide life insurance and annuities, plus policy consolidation and funeral plans, so protection is simple and predictable. Read more → https://www.yahoo.com/finance/news/gofundme-ceo-says-economy-bad-182843671.html

Make generosity optional, make security automatic.
Message “INSIGHT” to start.

GoFundMe’s CEO says more Americans are crowdfunding everyday essentials like groceries as high costs and strained household finances persist.

07/05/2025

🔊 The dial-up sound you’re hearing.
That’s the sound of outdated coverage failing to keep pace with modern risk.

For over two decades, policies with Living Benefits have existed, empowering policyholders to access their death benefit while living through events like heart attack, stroke, or cancer, as well as Chronic Illness. Yet many are still being sold coverage that lacks these provisions. This isn’t innovation, it’s inertia.

“Buy Term and Invest the Difference” was a compelling theory in its time. But today, efficiency without access is a liability.

This isn’t about nostalgia. It’s about strategic foresight.
If your policy is still operating on a death, or Terminal illness only trigger, you're not covered. You're exposed.
If youre in California 📲 Message us or call 1-800-882-6920.
Let’s align your protection with the times.

06/24/2025

I recently sat with a group of captive life agents. Hardworking folks—but limited. Their policies only pay out at death or if the client is terminal. That’s it.

I told them: you’re still in the sandbox.

If someone tells you to “only buy term insurance,” make sure it’s the right kind—the updated kind with Living Benefits. That means you can access a portion of your death benefit while you’re still alive after a heart attack, stroke, cancer, ALS, and more.

If your agent can’t offer that, you’re not truly covered—you’re simply hoping nothing goes wrong.

And unfortunately, even after learning this truth, some of those agents still chose to keep offering outdated coverage.

06/21/2025

Sometimes wisdom isn’t about seeing more, it’s about trusting who can.

06/18/2025

What if everything you knew about life insurance… was wrong?
What if what you believed was protecting your future… is outdated?
What if the advice you trusted… was built on half-truths?

Most people don’t realize they’ve been misled until it’s too late.
So here’s the real question: If you were wrong… when would you want to find out?

We’re not here to argue.
We’re here to wake you up.
👉 Tap in. Ask questions. Rethink what you think you know.

06/10/2025

🎙️ Cash Value Life Uncensored
Ever wonder how banks quietly compound real wealth? In this episode your hosts unpack Indexed Universal Life with quantum-level clarity—no fluff, just the facts. After the deep dive, they point you straight to Michael Andrews for a tailored, next-step plan.

05/19/2025

Real Solutions for Real Life Situations.

05/13/2025

What if your entire financial strategy was based on outdated beliefs?

Many people follow advice passed down from family, friends, or even outdated industry norms—never stopping to question if it still works today. But when “what you’ve always done” starts costing you time, freedom, or future security… it’s time to pause.

This isn’t about blame.
It’s about being brave enough to reassess.

Pride can delay correction.
Ego can block solutions.
But truth—when faced—can reset everything.

If what you thought to be true turned out to be false, or outdated.
When would you want to know?

05/06/2025

If you’ve been denied life insurance before, that doesn’t mean it’s over.
We help people every day get approved — no medical exam, no stress.
Let’s get your family protected, starting today.
📞 1-800-882-6920 | AndrewsFinancialServices.com.

04/21/2025

Schwab investment options include......Crypto. Yes! Really! Imagine investing in Bitocoin when it first came out. Okay, don't do that. LOL

Learn what is cryptocurrency and how Schwab provides ways to gain exposure to cryptocurrency markets.