Larry Meredith, certifiedindependent insurance advisor

12/01/2025

11/18/2025

11/12/2025

Please think about this if you have young kids, or grand kids 8 and under. Via Indexed Universal Life insurance for college or a trade school. And, no student loans, no big hit to your assets down the road Here's the proof!!I I think anyone would agree this makes perfect sense, and, TAX free. ROP, (return of premium), that's huge

Option 1) This is guaranteed IUL with the cheapest cost needed to guarantee all 50K to age 120. Cost is $31.85/mo. Coverage includes accelerated benefits, guaranteed death benefit, cash value and guaranteed Return of Premium if they wanted to walk away and get all their $ back at year 20 and 25 assuming cash value doesn't exceed ROP.
Option 2) This is an IUL max funded (most premium we could add) to 50K DB. Cost is $49.68/mo. This policy is designed to be funded until the client is 64-65, then at age 65-66 we started taking loans (income) until age 100. Income is projected to be $20,268 per year until he is 100. The benefit of this - is the life insurance policy grows tax deferred, and when income starts it is potentially tax free if he following the funding showing on this illustration. Beside death benefit, and the high cash value growth potential, this policy also includes accelerated benefits.
Option 3) This illustration is the same as #2, except I change the Death Benefit to Increasing (ROP). This means that the DB starts at 50K and as the client adds premium the Death Benefit grows with the Premium. It also lets us get in a whole lot more premium. This example the premium can be $105.54/mo per year, and when the client is 65 - the income projected is $59,580 per year.

11/11/2025

In all my life, I have NEVER seen on face book, the amount people posting so many simple fixes with rotors, brake pads, noise issues, stripped bolts, WTH is wrong with these people?? you're supposed to be "mechanics" figure it out!! I spent 35 years in the biz, and not once did I fail to overcome a problem. even broke bolts in cylinder heads removing exhaust manifolds. You should have a brain, USE IT for something other than a hat rack!!

11/11/2025

PET PEEVES: At home or else where, speaking to multiple people, then the ignore me and speaking among themselves, then come back to me. Being asked a question, then they interrupt and talk over you, Talking on speaker phone in restaurants and being rude to the staff. And in general, LIBERAL DEMOCRATS!

11/08/2025

One of the greatest chips on the planet, the large can of TOM's potato chips, and those cookies were 2nd to none!! The cost now on line is ridiculous!!

11/07/2025

My opinion: Politics in Washington and across this country is absolutely out of control, the dems have lost their minds, and republicans are sitting on their ass doing nothing. The voter turn out for republicans for this last election was a disappointment is an understatement.

As long as the republicans do this, the liberals will continue to win, even with an 8% approval, and that's the worst in 30 years. The American people don't trust the democrats, so why and how do they get elected, or re-elected???

11/06/2025

WTH was that!

10/30/2025

We should investigate the politicians like we do athletes. 🤷‍♂️💯

10/30/2025

The 1971 AMC Javelin roared into its second generation with aggressive new styling, flared fenders, and a longer, lower stance that set it apart from its pony car rivals. With the AMX nameplate now a high-performance trim level, the Javelin offered big-block V8 power and bold design in a package that dared to be different.