Looking for Safety? Look to Indexing!

By Wayne McLeod MFGSLifePartners.com

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Updated 1/7/2016

Now we are in 2016 – Where has your money been the last 15 years? How Low Will it GO?

Oct Surprise

Where is your money today? On the “Red Line” or “Blue Line”? If you have money on the “Red Line”, would you want to move it to the “Blue Line”? Options available for Qualified Funds and Non-Qualified Funds. Click Graph below and watch 3 minute video.

Redline Blue Line

Added benefit go to my website WayneMcLeod.com and watch video 3


October Surprise 2014 – 2015 

Oct 1, 2014 - Sept 30, 2015

Oct 1, 2014 – Sept 30, 2015


The S&P has been above 2100 for 59 day out of 260 trading days or 23% of the time. May 21 was the yearly high of 2,130.82, and yearly low was August 25 at 1,867.61 – a difference of 14.09% down from the high. Last 12 months total ROR was 1.83% as of 10/4/2015.




How Much of your Retirement Dollars
Are You Willing to Lose?

What if you could eliminate the negative years and still participate in the gains of the up years without risking any principle to market risk? Would you want to know more?

Throughout recent years, Americans have been pulling their retirement savings out of stocks and stock mutual funds and putting them into places that they hope are safer.

One beneficiary of this flight to safety has been bonds and bond mutual funds, but many people making this choice are probably unaware of a major risk they are taking.

Interest rates right now are at historical lows. In October 2010, for example, the 5-year Constant Maturity Treasury rate was barely above 1%. There is always the possibility that interest rates could remain at their current levels or fall lower, but clearly there is more room for them to move upwards than downwards.

The issue facing you is that if interest rates rise, the value of the bonds and bond mutual funds that you own will tend to fall. For example, if the Treasury rate was to rise to 4%, a new purchaser could get an interest rate of 4% on a new bond. To induce that person to purchase your bond that has an interest rate of only 1%, you would need to drop the price quite a bit.

What we fear is that folks who have moved their money from stocks to bonds seeking safety may find that they have jumped out of the frying pan into the fire.

There are a wide variety of products that offer assurances of safety, such as savings accounts and money market accounts, but the problem with these financial products right now is that their interest rates are even more dismal, typically well below 1%.

As a person looking to protect and grow your retirement savings, you may be wondering where to turn. Where can you find the safety you desire yet still earn a respectable interest rate? We suggest that you consider Fixed Index Annuities (FIA).

Fixed Annuities offer interest rates that are set by insurance carriers, declared in advance, and guaranteed for at least one year at a time or you can choose 10 year guarantee or 20 year guarantee. These annuities typically offer higher interest rates than you can find on other safe financial products. This is how most pension plans are set up that guarantee you a lifetime income that you cannot outlive. They may or may not have a spousal benefit. The option is up to you with several alternative choices. You can set up your own private pension plan using annuities that you can control.

Fixed Indexed Annuities offer interest rates that are based upon potential future increases in a stock or bond market index, along with the guarantee that if the index declines, your principal is protected. These annuities offer the potential for even higher interest credits due to their index link. Two of the most popular indexes are: 1) The S&P 500 Index and 2) The Dow 30 Index.

All Fixed and Fixed Indexed Annuities offer four very valuable layers of protection.

  1. They are issued by insurance carriers that back the annuities with a pool of assets called “Reserves” that are mandated and monitored by state insurance regulators.
  2. These insurance carriers are obligated to use all of their general assets to protect annuity values from the effects of any adverse financial conditions.
  3. These insurance carriers provide annuity owners with written, verifiable, contractual guarantees that the money you put into an annuity is protected from loss, other than perhaps a penalty for early withdrawal.
  4. If you have any problem with your annuity carrier, you can contact your state’s insurance department, which has jurisdiction over the carrier.

Thus, if you are looking for safety with better interest rates than you are finding elsewhere, consider annuities.

Feel free to contact Wayne McLeod if you have further questions or need more information.

Wayne McLeod

MFGS Life Parthers
Agency Director and Safe Money Adviser

This article is for general information purposes only. We do not provide investment or tax advice. If such advice is needed, the advice of a qualified adviser should be sought. If you need more info check out – Fixed and Fixed Index Annuities Made Easy.

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Getting Your Financial House in Order – October Newsletter

MFGS Newsletter Header

The MFGS Chronicle – October Newsletter
Getting Your Financial House in Order

These last few years have been very tumultuous for our nation’s economy and perhaps for your personal finances as well. Here are a few tips to manage risk – financial and otherwise.

Loss of Your Computer
A survey released in June 2008 commissioned by Dell and performed by the Ponemon Institute claims that over 12,000 notebook computers per week are lost at U.S. airports. There are also a myriad of other ways that you can lose access to the hard drive of your computer. The hard drive could crash, or your computer could be stolen. Manage this risk by signing up for an automatic, off-site backup system such as the one offered by Carbonite.com that costs only $55 per year.

Loss of Your Paper Files
According the U.S. Department of Justice, about 3% of U.S. households are burglarized each year. Imagine if someone broke into your house and took all of your financial records. Would a burglar be able to figure out how to access your accounts based on the papers you have sitting in your desk or file cabinet? Manage this risk by taking those papers to your bank and keeping them there in a safe deposit box.

There is no need for a statistic here. We all know that one day, every one of us will die. So, this one is a certainty. What should we do to help our loved ones prepare for this, especially since the timing is a surprise? The answer is to give them three things: life insurance, legal documents, and instructions.

Get House in Order
Get House in Order

Life insurance is designed to provide money to pay your family’s bills and replace your income. It is critical to make sure you have adequately protected your family right now, while you are still healthy and the insurance is affordable.

Financial Market Meltdown
What if this year brings another market meltdown? If you cannot stand to see what happened in the past few years happen again, it is time to move your money to safer places. In many cases, that can be a fixed annuity, and we see a large number of our clients making that move. There are also index products that guarantees you a death benefit, eliminates downside risk of losing principle and past gains in the Market; and guaranteeing you an income that you cannot outlive. Doing this while providing upside potential when the Market is doing good. How much better would your IRAs and 401(k) have done the last 10 years if you could have eliminated the 3 down years in the Market?

We all know it is coming – how much of your retirement dollars can you afford to lose in the next down Market?

There are always other risks to consider. Life in general is a big risk-management challenge. However, I encourage you to consider the above risks, because a few simple changes can make you dramatically more secure. You can thank me later when one of these solutions eases the pain when one of these risks strikes.

Wayne McLeod, Safe Money Adviser
Affiliated with National Brokerage

Agency Website:   MFGSLifePartners.com

Watch 3 Part Video Series on YouTube:   Jet Plane Retirement Savings Vehicle

The information provided here has been taken from third party sources and is deemed to be reliable, but is not guaranteed.

 It is provided for informational purposes only, and you should consult with a tax advisor for further information.

 Our organization does not provide tax advice.


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Four Steps to Financial Security – September Newsletter

MFGS Newsletter Header

The MFGS Chronicle – September 2015
Four Steps to Financial Security

We Americans have learned a lot of hard financial lessons over the past few years, as bubbles have developed and burst in the stock, credit, real estate, and employment markets. For many people, the so-called “new” financial reality has reminded us that the steps to financial security that served the Depression-era generation well still apply to us today.

What have people learned? You can’t count on stocks or real estate to always rise in value. Mortgage and credit card debt can sometimes be dangerous. If you have a job, you should prepare for the possibility that one day you may not be able to find work for an extended period.

Here are four tried-and-true financial principles with which your grandparents would agree, and collectively they are a clear path to financial security.

  1. Control your expenses: There is only one way to become financially secure, and that is to consistently spend less than you make.
  2. Get on a path to increase your income: Find a career that you enjoy, work diligently, and continually seek advancement.
  3. Aggressively save your money: Make eliminating your debt and building your savings a central goal of your monetary life.
  4. Control your risks: Even if you follow the prior steps perfectly, without proper insurance, one crisis can put you into a financial hole.
Couple at KT

Review the 4 Steps

I am in the insurance business, so my role is to help you with item #4. Most people would instantly agree that health insurance is crucial. But so are other types of insurance. For example, if you were to quit work today forever and have to live off of your existing life insurance death benefits, how long would the money last? If the answer is not “forever,” then you need more life insurance to protect your family.

When you are nearing or in retirement, you will face new risks, such as the risk of needing assisted living help to maintain your lifestyle, and the risk of outliving your retirement savings. Long-term care insurance and annuities can help you to control those risks.

This may seem self-serving, but I am happy to let you know that not all insurance comes from a commercial insurance company. For example, you should self-insure the risk of unemployment. Make it a priority to build an emergency savings fund equal to three or more months of expenses so that you could survive without any income at all, or in case you have an unexpected expense. An emergency savings fund can prevent a short-term setback from significantly derailing your financial security.

Wayne McLeod, Safe Money Adviser
Affiliated with National Brokerage

Agency Website:   MFGSLifePartners.com

Watch 3 Part Video Series on YouTube:   Jet Plane Retirement Savings Vehicle

The information provided here has been taken from third party sources and is deemed to be reliable, but is not guaranteed.

 It is provided for informational purposes only, and you should consult with a tax advisor for further information.

 Our organization does not provide tax advice.


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New Financial Solutions – August Newsletter

MFGS Newsletter Header

The MFGS Chronicle – August Newsletter
Retirement Brings the Need for New Financial Solutions

Finances in retirement can be tricky.

Consider this statement from a Wall Street Journal article in February 2000: “Retirement is the great financial riddle. Think of the uncertainties. You don’t know how long you will live. You don’t know what investment returns you will earn. You have only a limited sum of money. And there are no second chances.”

Yikes! What should you do to make sure you do well, no matter what happens?

Consider your experience. You have always had a natural progression in the financial products you have used.

When you were a child, you kept your money in a piggy bank. Why did you switch to a real bank? It was because you had more money and wanted to keep it safe and earn interest. Why did you later switch to other, more exotic places to grow your money? It was because you perceived that the long-term earnings potential outweighed the risks.

So let me ask you, what will be different now that you are retired or on the verge of retirement?

For example, what are the ramifications of needing to withdraw money for expenses while the market is down? If you have money in financial products with an uncertain return, there is a possibility of withdrawing too much and running out later.

Business Owners - Couple

Business Owners – Couple

Are you concerned about that risk? Annuities with guaranteed income benefits can address this risk and increase your comfort level in retirement.

Is there a possibility of incurring major care expenses and not having any insurance to cover them? Medicare doesn’t cover most long-term nursing care or home health caretaker visits. Long-term care insurance can mitigate this risk and increase your financial security in retirement.

Just as you progressed from the piggy bank to the real bank and to more exotic financial products, many people progress to annuities with guaranteed income benefits. Just as you once saw the need to purchase health insurance, many people come to see the need to purchase long-term care insurance. Newer products combine the two at a much lower cost.

Contact me to think through these new risks, and I will help you stay financially secure.

Wayne McLeod, Safe Money Adviser
Affiliated with National Brokerage

Agency Website:   MFGSLifePartners.com

Watch 3 Part Video Series on YouTube:   Jet Plane Retirement Savings Vehicle

The information provided here has been taken from third party sources and is deemed to be reliable, but is not guaranteed.

 It is provided for informational purposes only, and you should consult with a tax advisor for further information.

 Our organization does not provide tax advice.

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Lost Any Retirement Savings – July Newsletter

MFGS Newsletter Header

The MFGS Chronicle – July Newsletter
Have You Lost Any Retirement Savings in the Past Few Years?

If your retirement savings is invested in securities, how many market corrections will it take to convince you that you should consider another solution?

Consider what you are trying to accomplish with your retirement savings.

  • You need a reliable income to bridge the gap between your expenses and what you will receive from Social Security and any pensions.
  • You need that income to continue for the rest of your life, no matter how long you live.
  • That income need doesn’t change based on the whims of the market.

These needs are exactly what retirement annuities are designed to fulfill. Fixed and fixed indexed annuities can provide you with a reliable income – it’s reliable because it is guaranteed by the issuing insurance company. They can provide you with that income for the rest of your life, no matter how long you live, if you choose that particular guarantee from the insurance company. And because it’s not a security, the value of your annuity and the guaranteed income produced by it does not change no matter what the market does.

Lost Retirement Savings?

Lost Retirement Savings?

It’s time that you considered the merits of a retirement savings product that is actually designed to provide what you need.

Please contact me. But in the meantime, check out this helpful publication from the Wharton Business School at the University of Pennsylvania. It just may open your eyes to the merits of annuities.

Click here to read publication

Wayne McLeod, Safe Money Adviser
Affiliated with National Brokerage

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What Interest Rate are You Earning – June Newsletter

MFGS Newsletter Header

The MFGS Chronicle – June 2015
What Interest Rate are You Earning on Your Savings?

This is a tough time to be a saver. Take a look at some of these rates, which were gathered from various websites in May 2010:

  • 0.40% 1-year Treasury bill
  • 0.25% Chase Bank 1-year CD
  • 0.10% Bank of America savings account
  • 0.05% Wells Fargo Bank money market savings
  • 0.01% Vanguard money market fund

If you have money in these or similar accounts, you may be thinking, “Well, at least my money is safe.” But actually, it isn’t.

Consider this. Every day, the prices of things you purchase inch up a little bit. You know what I’m talking about. You feel it at the gas pump. Or, one day you walk into your favorite restaurant, and all the entrees cost a dollar more. Or, you wonder how your groceries suddenly became so expensive. After all, you just bought a few things.

Interest Earnings

The problem is that at these low interest rates, your money is losing purchasing power. It just adds insult to injury when you need to report this interest income on your tax return.

If you really want to keep your money safe, please let me know. I can offer you retirement annuities that provide you a written guarantee of safety, backed by all the assets of a strong insurance company, together with an attractive interest rate. Annuities offer a balanced approach to maintaining and growing the purchasing power of your money.

If your money is earning a rate like those you see above, it is time to look at another option. An annuity just may help you prosper.

Wayne McLeod, Safe Money Adviser
Affiliated with National Brokerage

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Annuities Are More Popular – May Newsletter

retirementrMFGS Newsletter Header

The MFGS Chronicle – May 2015
Annuities Are More Popular Than You Think

It seems to happen all the time. A product or service is an unknown, and then suddenly everyone has it.

For example, it wasn’t that long ago that we were using film to take pictures. Then suddenly, everyone had a digital camera. This has happened with technology after technology – cell phones, the Internet, social networking websites, you name it!

You may think that no one owns annuities. You may not even know what annuities are. But annuities are more popular than you think.

Let’s compare annuities to something more familiar: your bank. According to the FDIC as of December 31, 2009, if we added up all the domestic deposits in U.S. banks – checking accounts, savings accounts, money market accounts, CD’s, and so on – from all their customers, both individuals and businesses, it adds up to $7.7 trillion. Needless to say, that’s an impressive number, and it reflects the banking industry’s massive investment in local staff and branch offices.

Safe Money Adviser

Safe Money Adviser

So, where would you think annuities come out? Maybe a $0.1 trillion? Maybe $0.5 trillion, at best? After all, it seems like nobody knows much about them.

Try $2.2 trillion, per the American Council of Life Insurers. That’s right: despite the fact that you may know very little about annuities, a lot more people own them than you think.

Why are they so popular? Annuities are attractive financial products that offer certain advantages over bank products. Annuity products tend to offer a very appealing combination of safety features and higher interest crediting potential, a combination that many consumers desire for their retirement savings.

Ask me about how annuities can help you prepare for retirement. You might be surprised.

Wayne McLeod, Safe Money Adviser
Affiliated with National Brokerage

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MFGS Partners System

MFGS Partners System Webinars

Note Only MY Direct Agents are getting this Message – Webinars will help you get your agents a free cash back card and appointed with National Brokerage Life & Annuity Division with complete client manage program and NBGo System.

Get Free Cash Back Card Before Seminars:          CLICK HERE NOW


MFGS Client System

MFGS Partners System

To participate in next seminar go to Contact Page and request invitation to next schedule online Webinar by Wayne McLeod. Between now and this week-end I plan to do 6 webinars with follow-up individual interviews to help you launch your Agency and/or affiliate business to dominate in your area. I want to help you build your business with the products and services available with our system. Focus on one and the other areas will develop.

Example on the affiliate site – you generate $5000 in business revenue you earn $1,250 for sending people to your website. You have 5 affiliates on your team that earns $1,000 each a month you earn 30% or $5,000 x 30% = $1,500. Your total income $3,000 or $36,000 a year part-time with you and a team of 5 doing 1 insurance sale a week on the average.

On the licensed side of our business with the NBGo System. Very similar program to the 1Click Platform but you must be licensed as an insurance agent. Here you walk you prospect through the non-med application and get policy issued and earn 3 x as much or $1,250 x 3 = $3,750 on the average of $5,000 a month in premium or one sale a week. Go with fully underwritten policy – provide the quote, run the illustration and complete a one page app and National Brokerage will complete the app, get policy issued and return policy to you for delivery. Keeping you and the client informed throughout the process.

More products are available including annuities, cash back program and partners program for businesses and non-profits. I have decided to focus on cash back and insurance with all else falling into place.

Request Webinar Link Go To:


Complete form and request Webinar Schedule.

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How To Become an Insurance Agent

5  Easy Steps to Becoming an
Insurance Agent:

  1. Make the Decision – the position as an agent is just that decision. There is no degree or special train required to enter the field. Some agencies may require a degree or high school diploma but this has no being on the success of the agent. Why? Because the field of insurance is an acquired skill. Now once you have made that decision the company will provide you the products, training and education on sales and people skills to earn a great living or run a large agency. You real on the job education and your ability to follow a system will determine you success in the insurance industry.
  2. Get Licensed – The can now be done online from you home or laptop computer. Depending on the state you are in will determine how many hours of pre-licensing education you need. For example, my Agency is based in Madison, Mississippi so all agents in my home state are required to complete 20 hours per line of authority classroom or self-study. If you wanted to be licensed to sell Life & Fixed Annuities, and Health & Accident Insurance – you would need 40 hours of classroom or self-study. Each would require you to pass a practice exam before taking state exam. If you are not making 90 or above on practice exam do no attempt state exam. Once you are making above 90 you are ready to pass state exam. Schedule exam a week out so you can take the test on the date you want.
  3. Pass State Exam – Life & Fixed Annuities, and Health & Accident Insurance is one test of 125 questions or 70 questions if you take them separately. I recommend my agents to take them both at the same time. Cost is about the same for taking one or double if you do the separately. Now you are ready to get licensed. Most companies you go to work with will handle the process for you and send you to Individual Producer Licensing Online Services .  You will register for an account and follow the instructions or some companies will provide hard copy forms for you to complete and the company will process them for you.
  4. Get Appointed –  Choose a company to write business for that insurance company. Depending on how you are hired as an employee or independent contractor has benefits and advantages. There is also two classifications of agents that are determined by the company who is your broker:
    1. Exclusive – means that you can only write business that you are appointed with for the broker that hires you. That may e one or more companies, but all appointment paperwork must go through your broker or that is grounds for termination. This contract can be as employee with benefits or 1099 Independent Contractor where you pay all expenses and “no company benefits”.
    2. Independent Agent – is a 1099 Independent Contractor position in most cases and you negotiate your contract with different brokers to provide the best product and services for your target market. As an independent contractor all expenses are paid by you and are deducted by you and you buy your own benefits and set up your own office or work out of your home depending on the business do plan to do.
  5. Salesman or Agency – You are now in business for your self and I refer to our business as a pipeline business. If you were hired to supply water to Madison MS from the reservoir you could hire agents to carry buckets for you on a daily basis, or you could build a pipeline from the reservoir to Madison and have a never ending supply of water to meet the demand of Madison. Carry buckets (sales) is an easy way to get started and will make you much more money initially. But, you are limiting you income by time and space based on the numbers of hours in a day and how many hours you work each day. On the other hand, you can start build the pipeline (agency) and initially it is very slow and challenging as you get your business started by hiring and training agents in an area of business you have just entered. But long-term you have the potential to earn a lot better standard of living and grow wealth over time.

Their are many way to enter the insurance industry and many types of agencies you can build. There is no right or wrong way – it comes down to the best way for you.

Request Appointment with Our National Brokerage

I personally prefer the independent contract for agency building and I am always looking for key people to add to my team. My agency is Licensed in Mississippi and we hold non-resident licenses in 8 state – Texas, Louisiana, Alabama, Florida, Georgia, Tennessee, Kentucky and Ohio. A non-Resident license means that I am able to sign and/or override sales in theses state by agents I hire. I also have a National Brokerage where if I am licensed in my home state and appointed with the insurance company I can refer that business to a licensed agent in that state through our network and be paid my same commission from by national brokerage company.

Our agency is a National Brokerage company and most of my applications are done online by an automated insurance quote system that the application is taken online and policy is issued within minutes not months. Other applications are taken by myself or one of my assistants online after I work with the client to determine their need, what insurance company to place them with and underwriting class they will qualify for with that company.

The days of three interview in the home or office are far and few in-between today with the online application process.

I hope this helps you with your decision to become a life insurance agent.

Wayne McLeod, Licensed Agent & Affiliate
www.MFGS Life Partners.com

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10 Licensed Life Insurance Sales Agents – Top Street Contract in all States – 9 State Gulf Coast Region

MFGS Life Partners


Life Licensed contract service is designed to take the underwriting process out of your hands to maximize what you do best: selling! You can either submit a full online 1Click application or you can submit your client to us via a drop ticket, and we do the rest. No recruiting required to get top street contract. Small override on any agents you do hire.

Affiliate Compensation

Compensation of 25 points as marketing fee for Affiliate driving traffic to website – no selling or participation in sales process – all handled by licensed agents
(no life insurance license required).

  • No-Med – Instant Issue Term
  • Other Insurance Products
  • Other Non-Insurance Products
  • Override Compensation on Affiliates on Your Team

Agent Responsibilities

You are responsible for the following:
Life Insurance License Required

  • Life Insurance License is Required any state you sign application
  • Needs/health analysis
  • Product selection
  • Discussing existing insurance replacement
  • Submitting client information and product selection to us
  • If you are appointed and will sign the app, you must handle policy delivery to the client
  • Clients will be directed back to you for any of the following situations: Client changes their mind about carrier/product, incorrect health classifications, rated cases, declines or any situation where the client does not accept the policy.

NB-Go Responsibilities

  • We attempt to get ahold of your client, calling for a maximum of 3 days
  • We speak directly to your client through the entire process
  • We fill out the entire application
  • We order the meds and submit everything to the carrier
  • We take the app through the underwriting process and handle all requirements
  • If agent is not appointed, we will handle policy delivery


Complete a 1Click online application

  • Non-Med Term: 75 points
  • Other Compensation Available

If You Are Appointed With the Carrier

You will be paid according to your current contract, however you will NOT be paid any bonuses by National Brokerage.

If You Are NOT Appointed With the Carrier

We will sign on the application and collect the commissions, and pay you street level compensation as defined by each carrier, which is typically around 80 points.

#lifeinsuranceagent  #lifeinsuranceagency   #lifeinsurancesales  #lifeagents

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Term Insurance is So Simple

Provide Simply For Your Loved Ones

Personal finance gets complicated quickly. It doesn’t help that everything has special jargon to go along with it. Luckily, Term Insurance is so simple you don’t have to take any college classes to understand it. Term Insurance is as simple as it gets: Decide how much coverage you need, how long you’ll need it and then you pay simple, stable and consistent premiums. If the worst happens, the ones who depend on you will be taken care of.

Get life insurance to take care of those who depend on you and to know you aren’t throwing away money on insurance you do not need. The less coverage you need for a shorter amount of time, the lower the premiums. Term insurance gets right to the point.

  • Nothing is attached to stock markets
  • No investment components
  • No interest rate risks
  • Just constant premiums for the life of policy

Why pay for complications when all you need is insurance?
Please contact me if you would like to know more.

Wayne McLeod
Licensed Affiliate Agent



Insurance policies and features vary by state. Not all features are available in all states.
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The Value of Indexing

The Chronicle

The Value of Indexing

Isn’t it interesting how business news reports always talk about volatility in the stock market as if it is something new or unusual? It doesn’t take more than a cursory look back through history to see that the stock market has always been a bumpy ride.

Of course, today’s environment is made even more challenging by the fact that real estate values have declined and interest rates are at historic lows.

About 15 years ago, an insurance company created an innovative new way to credit interest to its customer accounts, a method called “indexing.” Its goal was to find a way for its customers’ money to be free from risk of loss yet have its interest rate at least partially based upon stock market growth.

Indexing proved so popular that it rapidly spread to dozens of insurance companies, and industry sales of products using indexing have grown consistently year after year since then.


The benefits of indexing for you are very easy to see. If you have an annuity or life insurance policy that has a cash value, then in a year that a major stock market index increases substantially, you can receive a much higher interest credit than you would on a traditional fixed rate account. And yet, in a year that the stock market index declines or even crashes, you lose nothing and are completely protected from the decline.

Most people are amazed to hear that such a combination of safety and attractive interest rates exists, but it does. It’s real, and I would love to share the details with you.

Just let me know you are interested, and I’ll fill you in.

I’m pleased to share this newsletter with you to keep in touch and pass along a few helpful tips. Please give me a call if you would like to discuss any of your insurance needs. Also, if you have questions regarding ways you can build your retirement assets or set up an effective retirement income flow, I can assist you. If you haven’t scheduled an annual review yet, I encourage you to give me a call to get that set up so we can make sure all your goals are on track.

Wayne McLeod
Licensed Affiliate Agent


The information provided here is for informational purposes only.


The information provided here has been taken from third party sources and is deemed to be reliable, but is not guaranteed.
It is provided for informational purposes only, and you should consult with a tax advisor for further information.
Our organization does not provide tax advice.


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Retirement Income You Can Rely Upon

The Chronicle

Retirement Income You Can Rely Upon

One great aspect of receiving a pension or Social Security check is that you know you can spend the money and another check will arrive next month. In fact, you can feel secure that a check will come every month as long as you are around to cash it.

The good news is that with the latest innovation in fixed annuity products, you can achieve that same goal with your retirement savings.

Known within the industry as “living benefits,” certain fixed annuities not only credit your retirement savings with an attractive rate of interest, but also provide you with a level of withdrawals that you can take every year for the rest of your life – guaranteed – no matter how long you live or what happens to interest rates in the future.


In a fixed annuity with living benefits, your remaining annuity value is always accessible to you in case of emergency, but if long life or poor returns eventually deplete your value, you have the assurance that the insurance company must continue to send checks to you every year.

Why should you buy a fixed annuity? Because it’s time for someone else to take the risk and protect you!

I’m pleased to share this newsletter with you to keep in touch and pass along a few helpful tips. Please give me a call if you would like to discuss any of your insurance needs. Also, if you have questions regarding ways you can build your retirement assets or set up an effective retirement income flow, I can assist you. If you haven’t scheduled an annual review yet, I encourage you to give me a call to get that set up so we can make sure all your goals are on track.

Wayne McLeod
Licensed Affiliate Agent


The information provided here is provided for informational purposes only.

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Instant Term Quote – With or Without Medical Exam

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PRESS RELEASE – Private Label Financial Services Portal Creates Customer Value and Revenue For Businesses and Nonprofits

By Wayne McLeod


Branded financial services portals are now available at no cost for businesses and nonprofits to create new revenue streams from their website. The MFGS Life Partners team has affiliated with eVantage Financial.

“This is an example of the continuing shift towards more convenient online services, and it’s now catching up with the life insurance industry.” Wayne McLeod, MFGS Licensed Agent & Affiliate said, “No offense to any hard working insurance agent out there, but who really wants to talk to one these days? or spend hours on an application process? The eVantage process is simpler and easier than anything I’ve seen to get the best rates for life insurance and other insurance products from major carriers.”

“There is a reason why banks, insurance companies and small business owners are adding this portal to their website.” McLeod said. “It provides new options to customers and employees including life, homeowners, auto, accident, and final expense insurance, and it also can be a substantial source of revenue for the company or nonprofit. Another plus for eVantage is that they flank their flagship insurance products with some very good home and business productivity products, which fits well with MFGS customer needs.”

The eVantage business model has the flexibility for organizations to add the portal to their sites, or buy quality products and services for internal use.

Click here to learn more about the no-cost, branded, revenue generating eVantage portal.

Request more information about The eVantage Prepaid MasterCard, easy qualifying. Ability to pay employees with direct deposit program eliminating the need for a check cashing account.

The MFGS Life Partners is a Madison based company founded by entrepreneur and business leader, Wayne McLeod, and is dedicated to helping business and nonprofit clients improve top line revenue and bottom line results. MFGS products and services include: Full-line independent insurance brokerage with National Brokers, home and business security systems, hands free mobile, home, and business telcom services, and a unique equity appreciation products in limited number of states in target areas.

Contact Info:
Name: Wayne McLeod
Email: AgencyMail@MFGSLifePartners.com
Organization: MFGS Life Partners

Become an Affiliate:  http://www.evantagefinancial.com/wmcleod/sales
Website: http://MFGSLifePartners.com
Address:  1888 Main Street C-304, Madison, Mississippi 39110

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Business Planning Techniques, Products and Strategies

By: Wayne McLeod, Licensed Agent & Affiliate

At MFGS Life Partners small business owners are some of our best insurance clients and source of business inquiries. Not only do they usually have better-than-average incomes, but they are also subject to certain unique risks and have some unique opportunities due to their ownership of a business.

For example, a small business is typically dependent upon a key employee. What if that employee dies or is disabled? The business could be crippled due to the loss of that employee’s skill, ability to get things done, expertise, or customer relationships. The answer – key employee life and disability insurance – is often quite affordable.

Small businesses are often partnerships. What if one of the partners dies or becomesMature Couple
disabled. Rachel may be concerned that if Heath dies, besides the fact that Heath is a key employee, she might need to quickly gather funds to buy out his share of the business. Also, Heath’s heirs might disrupt the business if they don’t like the financial arrangement. On the other hand, Rachel is concerned that if she dies, Heath might not be able to pay her heirs a fair value for the business, and he may not be able to continue to run the business without her. Thus, both partners are well served to have a buy/sell and business continuation arrangement in place secured by life and disability insurance.

Small business owners often have two large expenses looming in the future – retirement and estate taxes. The business owner may consider the business itself to be his retirement plan, but the fact that the owner is also a key employee makes many small businesses nearly worthless at the owner’s retirement. Plus, very few people want to buy a particular small business, further depressing the value below what the owner would consider fair. Fortunately, there are a variety of ways that business owners can store considerable money away for their retirement and reduce their income tax bill. Individual IUL’s, 401(k)’s and SEP-IRA’s are three examples. On the other hand, preparing for estate taxes may involve setting up a will and trusts, gifting the business to heirs over time, and providing a plan for how the estate taxes will be paid using joint second-to-die life insurance.

Besides planning for retirement on a tax-preferential basis, business owners can sometimes purchase certain benefits with pre-tax dollars. For example, owners of C-corporations can buy long-term care insurance for themselves on a tax-advantaged basis. LTC premiums paid by the business are tax-deductible to the business and are not considered taxable income to the employee, yet LTC benefits received are income tax-free to the employee. A plan like this can be set up where the only covered employee is the business owner. Newer insurance policies have a LTC Rider that pays 2 – 4% per month of death benefit up to $10,000 per month as an indemnity plan – not as a reimbursement plan. Therefore; no receipts are not needed, and you can use the money as you see fit.

So, let us help you learn the opportunities that are available to serve small business owners. They have unique risks and great opportunities. For more information go to our website – run some quotes and have myself or one of my agents answer any questions you may have.

Wayne McLeod – MFGS Life Partners

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MFGS Life Partners – Non Med Term Life Insurance

MFGS Life Partners is providing an alternative to the traditional way term life insurance is bought and sold on the internet. Watch video below and click “Get Quote Now” and see how easy the process is. We provide quotes from $25,000 to $350,000 with no medical exam.



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When Was Your Last Policy Review?

The Importance of Policy Review

By Wayne McLeod –  MFGS Life Partners


As you can imagine, it was a tragic day when David died leaving his wife Linda a widow with two young children. It became doubly tragic when Linda discovered that the beneficiary of David’s life insurance policy, the policy that Linda was counting on to provide the support she needed, was David’s ex-wife, his first wife.

Across the street, Tim and Susan had been paying $200 per month on their universal life insurance plan for the past twenty years. They had received statements from the insurance carrier annually, but they really didn’t know what they meant. They just assumed everything was fine until they received a notice indicating that their policies were about to lapse. When they called the insurance company to inquire, they were told that they would need to triple their monthly premiums. That wasn’t good news considering they were starting to prepare to retire.

You may think that stories like these are unusual, but we at MFGS Life Partners hear similar stories all the time. The fact is that life insurance is an important asset. It has significant value, and like other assets with similar importance, it needs to be managed and maintained.

Just as maintaining your car requires more than filling it with gas, maintaining your life insurance involves more than just paying the premiums. Like an instrument panel, annual statements often provide vital tidbits of information, and a little adjustment today can prevent a painful breakdown later. Also, given how much life changes from time to time, checking occasionally to make sure your beneficiary designations are up-to-date is simple to do today, but impossible to correct if suddenly you are gone.

These are the types of things we review with you when we meet to review your coverage. Also, when we meet, we always look for opportunities to save you money or provide you with better coverage.

A meeting to review your coverage is part of our free service to you, so please give us a call. We would love to put your mind at ease, since you’ll know for certain that your coverage is as good as it can be.

Policyowner Service

Our Virtual Agency is contracted with National Brokerage which has contracts with over 100 insurance companies. Our agency is contracted in 9 States and have agent referrals in all 50 states. Chances are the company you have is one we can help you get the service you need if your agent is no longer with your company or you have been resigned to two or three agents over the last 5 years. Need help with an existing policy or need a policy review –  CONTACT US and we will call or email you back to schedule an interview!

Wayne McLeod
Licensed Agent & Affiliate
MFGS Life Partners

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Where Will the S&P Go 2016 ?


History Tends to Repeat Itself . . . 

SP 96-16

  1. Avoiding The Train Wreck
  1.  76,000,000 Baby Boomers Rushing to Retirement
  1. Huge Problem No Money
  1. Who are the Baby Boomers? Most famous generation in American history. The U.S. Census defines the Baby Boomers as those born between Jan 1st, 1946 and Dec 31st, 1964. You see, after U.S. troops returned from World War II, they quickly settled down and everyone started having lots and lots of babies. This gigantic generation has transformed America as they have passed through every stage of life. Now they are getting ready to retire.
  1. The Day of Reckoning has Arrived
  1. The Promises Made Can Bankrupt a Nation
  1. $1,100,000.00 Per Taxpayer
  1. $126,000,000,000,000.00 Bankrupt a Nation
  1. But our politicians just keep spending money. In order to pay the Baby Boomers what they are owed the federal government may indeed go into even more debt and have the Federal Reserve print up a bunch more money.• So in the end, Baby Boomers may get most of what they are owed. Of course it may be with radically devalued dollars. Already we are watching those on fixed incomes being devastated by the rising cost of food, gas, heat and health care.
    • What is going to happen one day when prices have risen so much that the checks that our seniors are getting are not enough to heat their homes?
  1. What are we going to do when those on fixed incomes are buying dog food because it is all that they can afford?
    We are rapidly reaching a tipping point. As the first Baby Boomers retire the system is going to do okay. But as millions start pouring into the system it is going to start breaking down.
    • No, there is not much that we can do about it now. We should have been planning for all of this all along. Americans should have been saving for retirement and governments should have been setting money aside.• But it didn’t happen.• Now we pay the price.

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To request a call back within 24 hours – go to link below to drop me a line with your name, email and phone number so I can call you back to set up an appointment.

We do not spam and we do not make cold calls. We prefer to always talk to people who want to talk to us, fair enough?


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Emailed Client Base MFGS Life Partners

Emailed to Data Base:
Clients, Partners, Vendors and Business Associates
– or in the Data Base of Wayne McLeod:

After 25 years in February 2011 I resigned from PRIMERICA and went to work with MetLife as an Investment Advisor Representative (IAR) and financial services representative. On January 3, 2013 I resigned to open my Independent agency to market index products with 4 living benefits. My agency name is MFGS LIFE PARTNERS.

I have worked with several brokers and decided on one Broker who I have worked with since I left MetLife. I decided to stop being a sales man and help people and my clients get new life insurance with living benefits without spend more money. Set up a tax-free income for life that cannot be outlived.

Using webinars and live seminars we will be opening 5 new offices from Oxford, Madison to Mobile and all along the MS-AL-FL Gulf Coast. Interested in knowing more about Fast-Track Expansion Program CLICK HERTE – watch video 1 and two and then send me full name, Email and Phone Number Click Here and I will call you back within 24-hours.

Our Base Shop is located in Madison MS looking to build a Barn and Log Home for Office to use as VP Meeting and Banquet Facility with Licensed Caterers to use with for Executive Retreat. Similar to the Grand Old Post Office that Wayne help to restore and promoted events. Our Meeting Facility is being designed for land in Madison County and construction will begin in 2016. We will be booking events for weddings, reunions, 3-day retreat, conferences, seminars and webinars until construction is completed. Our second location will be somewhere between Perdido Key and Pensacola, Florida with access to SW HUB.

We need your help to introduce me to two people you know that I should talk to within the next week and provide you with a free service and compete for your business. A 30-minute FNA Interview conducted at your kitchen table or your computer viewing my screen. Our one page form will give you the figures and the end of the interview. We will tell you what you want and what you need at your retirement age. We both will decide if we want to meet again within 72 hours to review the plan on how you can get what you need with the money you are now spending on life insurance, retirement accounts, 401k and other qualified plans.

By the way, my wife kept her contract to provide policy service and end of term conversions with Primerica Clients in MS. Clients and Entry Level Agents request appointment now and let me show you what we can do.

For Appointment go to:      Appointment.WMcLeod.com
Leave Full Name, Email and Phone Number
– I will call you back within 24-hours.

We work by Appointment Only.
No cold calling, don’t like them – don’t do it.
– We talk with people who want to talk to us!

Wayne McLeod, National Vice President

Retire with Tax Free Income

FNA with MFGS Life Partners





Viable solutions for the “The Great American Crisis” in Retirement


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Non-Med Life Insurance – December Newsletter

MFGS Newsletter Header

The MFGS Chronicle – December Newsletter

Non-Med Life Insurance – An Easy and Convenient Option

“I know I probably should get more life insurance, but who needs the hassle?”

I know what you mean. Recently, I had a business trip that I needed to cancel. It’s funny how easy it was book the trip so quickly on-line. I was able to check schedules and fares, make a decision, and make the purchase in minutes.

But when I needed to cancel the trip and get credit for the airfare, that was a whole different matter. I was on the phone with the airline’s reservation center for at least twenty minutes, most of that time waiting on hold, and I kept having to provide the same information over and over.

The fact is that there are things that are fun and that you want to do, and there are other things that you don’t want to do but know you should. The least that companies can do is make the “should do” things as quick and easy as possible.

Free Online Insurance Quote

Family Insurance Review

The good news is that some life insurance companies agree. If you need life insurance but don’t want it to be a hassle, give me a call. I work with several companies that offer life insurance that requires no medical exam. I will be able to give you a selection of quotes right over the phone. We will be able to get you set up in minutes.

Please call me right now. Your loved ones need and deserve the protection. I certainly wish you the best of health for a long, long time, but it’s only right that you provide for your family in case things go wrong.

The good news is that it is quick and easy.

Wayne McLeod, Safe Money Adviser
Affiliated with National Brokerage

Agency Website:   MFGSLifePartners.com
FREE Non-Medical & with Medical Exam Quotes

Watch 3 Part Video Series on YouTube:   Jet Plane Retirement Savings Vehicle

The information provided here has been taken from third party sources and is deemed to be reliable, but is not guaranteed.

 It is provided for informational purposes only, and you should consult with a tax adviser for further information.

 Our organization does not provide tax advice.


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Saving for Retirement When You’re Young – November Newsletter

MFGS Newsletter Header

The MFGS Chronicle – November Newsletter

Saving for Retirement
When You’re Young

If you ask anyone who is approaching their sixties and furiously trying to build retirement savings from scratch, chances are they will agree with the sentiment, “I wish I had started saving for retirement earlier.”

The importance of starting early is seen in this numerical example. Suppose that you put away $10,000 per year for retirement on each of your 30th through 39th birthdays, a total retirement savings contribution of $100,000, and then stopped saving. Suppose that in contrast, your neighbor puts away $10,000 per year on each of his 40th through 64th birthdays, a total contribution of $250,000. Who will have more money accumulated for retirement at age 65?

The answer – if the money is growing at any interest rate of 8% or higher – is that the person who saved $100,000 in his thirties will have $1,071,477 and the person who saved $250,000 starting just ten years later would have $731,059. With $150,000 less money and 10 years earlier would have $340,418 more money than the guy who started 10 years later and save $10,000 every year for 25 years.

So, starting earlier is better.

So is picking the right product to stash your retirement savings. For many of my clients, fixed indexed universal life insurance has been a great retirement planning solution.

Here’s why.

Death benefit protection: A life insurance plan can provide the retirement fund accumulation that you need, along with a death benefit to provide for your family if there is a premature death. And since you’re young, the cost of the insurance protection is quite modest.

Saving for Retirement When You are Young

Saving for Retirement When            You are Young

Protection from future tax rate increases: With a life insurance plan, you have the ability to create a tax-free cash flow in retirement using policy loans that are ultimately repaid by a portion of the death benefit. And the entire death benefit is paid free of income taxes.

Safe accumulation: A fixed indexed universal life insurance plan credits interest to your cash value based on a market index. If the index increases, you earn interest credits based off of the amount of that increase. If the index decreases, you are protected from the decrease. You are not subject to investment risk.

You may have never considered life insurance to be a retirement planning solution. When you more closely examine the benefits of fixed indexed universal life insurance, you just may find you’ll want to use it for this purpose.

Wayne McLeod, Safe Money Adviser
Affiliated with National Brokerage

Agency Website:   MFGSLifePartners.com

Watch 3 Part Video Series on YouTube:   Jet Plane Retirement Savings Vehicle

The information provided here has been taken from third party sources and is deemed to be reliable, but is not guaranteed.

 It is provided for informational purposes only, and you should consult with a tax adviser for further information.

 Our organization does not provide tax advice.


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