Daniel Smart - Primerica Representative

23/12/2022

FOOD FOR THOUGHT

I’ve never heard of your company before, how do I know I can trust them?”

This is one of the most annoying things I hear from people. ALL of us have heard of Wells Fargo… look how trustworthy THEY are 😃🤦🏻‍♂️😵‍💫

Meanwhile… PRIMERICA just got awarded their 20TH consecutive DALBAR award for our mutual fund/investment customer service (that means 20 years IN A ROW we have received this prestigious award for our investments business).

We were also rated the 3RD MOST TRUSTWORTHY financial services firm AND the #1 MOST Trustworthy life insurance company from MarketWatch and Investor's Business Daily.

Forbes named us a “Best Insurance Company” and a “Best Employer for Women” this year.

Primerica doesn’t believe in expensive television advertisements or radios ads.

We’ve been a WORD-OF-MOUTH company for almost 50-years which is why we ask our family and friends and clients to SPREAD THE WORD for us 🙏🏼💜

By being a word-of-mouth company that uses relationship building and warm-market referrals as our primary sources of new business… we save our clients a lot of money… pay our representatives a lot more… and provide a far superior product/service because most of our clients are more like family 💜

Thanks to everyone who supports us 💜

26/07/2022

Has inflation affected you too? Let's have a conversation about how to reduce/eliminate your debt! The sooner the better.

With inflation hitting a 40-year high, Americans are struggling to keep up with rising prices and putting less money aside for emergencies, several studies show.

24/07/2022

For all my realtor friends out there and anyone with a mortgage.

When you help someone buy their house, it’s a huge accomplishment, but don’t forget they’re going to be in debt for the next 30 years. Let them know or run by them the idea of getting a 30 year term life policy and use it as collateral to the mortgage, so if god forbid one of them passes away they house will be paid off for the partner and the kids. It will really show that you care about them and their future!!!

If anyone has any questions don’t hesitate to call me so I can explain how the process works! It’s very simple! Sometimes you don’t even need a medical exam to qualify! Just good health!!

Have a great weekend!!!

19/07/2022

LONG POST ALERT:
MY FELLOW FB FAM! DONT BUY THE SOCIAL MEDIA HYPE WHEN IT COMES TO IUL AND “INFINITE BANKING CONCEPT”
IT IS A SALES TACTIC!

1. What these people are doing is injustice and criminal! Advising people to cash in their 401k/403b/457 retirement life savings and front loading it into a life insurance policy so they can run their commissions to the bank. It is a scare tactic they are using with the volatility in the market right now.

2. This product is not registered with FINRA and is not an investment. If you ask the life insurance company directly, they will tell you “this is a life insurance policy, not a savings or investment plan”

IUL = Universal life + Fixed Index Annuity.
3. YOU DO NOT, I REPEAT, DO NOT BORROW FROM THE FACE VALUE, YOU ONLY BORROW FROM WHAT YOU PUT IN. YOU ONLY GET ACCESS TO A PORTION OF WHAT YOU PUT IN AND WHEN YOU TAKE IT OUT, THEY CHARGE YOU 4-8% THAT GOES BACK TO THEM, NOT YOU!

I know wealthy people in different industries and they don’t do this. I will educate you!! That’s what we fight for everyday. We want to make sure your family doesn't get screwed over.

17/07/2022

If you sit down with a life insurance agent and he or she says any of these things:

1.You can use the cash value for college

2. Become your own bank

3. You can use the cash value for retirement

4. You can use the cash value for emergencies

Call me immediately !!!!! There’s something’s you need to know asap !!!!

13/07/2022

Did you know that the dividends paid by life insurance and the dividends paid by stocks are not the same thing???
Dividends from stock ownership are income created by a profitable company passed along to shareholders simply for owning the stock.

Dividends on a life insurance policy are just a partial re-payment of an up charge added to your premium when you select to “participate in dividends”.

Since mutual type insurance companies are the only companies that pay dividends and they are owned by the policy owners they are literally returning to their policy owners pay portion of a fee and representing it as income.

It’s the equivalent of you giving me $100 every month and I give you back $50 and tell you you’re making money.

If you have one of these types of policies that builds cash value we need to talk. You need to understand the document you signed because that contract and that contract alone is what determines how your policy works.

01/07/2022

http://www.primerica.news/forbes/money/how-to-pay-for-college-without-student-loans/?c=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9.eyJub2RlX2lkIjoyMTc1OCwicHJldmlldyI6ZmFsc2UsImNvbW1faWQiOjYwMTQzMzQsImRlc3RfaWQiOjE5NDQxMjEsInJlYWRlcl9pZCI6bnVsbH0.7-VPRHPkd7B-Hj8ougRpSNUk0syXcF6RquLuwmjKmOk

While student loan dominate the headlines, it's still possible to pay for college without the debt.

28/06/2022

Tip of the week:
If the grocery store has a big sale, we stock up on those items, if stores have a 20% off sale, we go in with a huge shopping cart… when the stock market goes on sale... people run for the exit signs! Do you really think that people are going to stop buying computers, cell phones, toothpaste, shampoo, driving their cars…. Or anything else that we use on a day-to-day basis? Of course not!
When this all settles down, and it eventually will, those who understand that the US economy is the strongest in the world and even poor administration decisions won’t stop this train. Invest in America, you won’t be sorry!(see below)

03/06/2022

If you leave your job (or it leaves you), why would you leave your 401k with them? Do you have a 402k with a former employer? If so, give me a call and we can discuss some options! 813-486-4765

If you've switched jobs during the Great Resignation, you'll want to make sure you're not leaving old 401(k) retirement plans behind.

27/04/2022

If you are in the mortgage industry…

Mortgage companies are doing quick layoffs, quick pivots. When rates go up less people get loans.

A prediction this week on a national sales call was the expectation that 35% of people working in the mortgage industry (brokers, admin, etc.) will be laid off in the next 18 months.

Now is the time to consider diversification YOUR of licensing and YOUR income.

I’m recruiting industry professionals who are interested in helping clients, but want a less volatile side of the industry to subsidize their income. I'm also looking for those that want to build a continuous income stream, not just a paycheck whenever you get the transaction closed. Yes, you can have your cake & eat it too!

Message me, let’s chat about it.

26/04/2022

Did you know that the dividends paid by life insurance and the dividends paid by stocks are not the same thing???
Dividends from stock ownership are income created by a profitable company passed along to shareholders simply for owning the stock.

Dividends on a life insurance policy are just a partial re-payment of an up charge added to your premium when you select to “participate in dividends”.

Since mutual type insurance companies are the only companies that pay dividends and they are owned by the policy owners they are literally returning to their policy owners pay portion of a fee and representing it as income.

It’s the equivalent of you giving me $100 every month and I give you back $50 and tell you you’re making money.

If you have one of these types of policies that builds cash value we need to talk. Do not take the word of an insurance agent. You need to understand the document you signed because that contract and that contract alone is what determines how your policy works.

13/04/2022

If you haven't fully funded your 2021 IRA, you still have until the April 18th tax filing deadline! Remember, your contribution limit for 2021 could be as high as $7,000 ($6,000 standard contribution plus an additional $1,000 catchup contribution if you turned 50 in 2021 and each year thereafter).
While we're at it, let's also make sure that you're on track for making the most of your 2022 contributions.
I can also look at your current asset allocation and investment mix to ensure you meet your retirement goals!
If you have any questions, please do not hesitate to direct message me or reach out.