CAPITAL ENDEAVOR
Premier products
CLIENT GUIDE
From Limited Means to Private Client, We have solutions across the top carriers and lines, for life's most fundamental Needs
READY FOR A PRODUCT QUOTE OR CONSULTATION?
Help us improve our services
Take this survey and send us a meaningful feedback! The best way of listening to your voice.
ENDEAVOR GROWTH | ALL YOUR INSURANCE NEEDS | BUNDLE SAVE AND GET THE MOST YOUR MONEY CAN BUY
MORTGAGE PROTECTION
Secure a your home as yours when the unplanned happens.
TERM LIFE - WHOLE LIFE - IUL'S
Discover the options that fit your needs, explore options beyond throwing money away when the worst does not take place. Explore a Turing a lose/lose either or into a win/win/win.
PROPERTY & CASUALTY
Windstorm, Auto, Home, Pet and All your property and casualty insurance needs.
HEALTH INSURANCE
From ACA to Blue Shield Platinum.
We Health insurance from top brands, top carriers and best pricing. We also have Pet Insurance!
We Health insurance from top brands, top carriers and best pricing. We also have Pet Insurance!
INSURE BY LIFESTYLE DESIGN
ENDEAVOR PRESERVE
TAX BENEFITS WITH ENDEAVOR +
F&G EVERLAST With BARCLAY'S Trailblazer Sector 5 Index. 160% Participation
For a minimum of 7 years. The funds that grow on the cash value component are allowed to grow tax deferred. At age 68 it may be tax free under rule 7702 (Checkmark at open) [These are policy loans, not income].Death Benefit - The Amount Payable at Death (ie 500,000)Living Benefits Riders - Conditions in which Death Benefit may be used early. -Critical Illness: Heart Attack, Stroke, Cancer (Request optional rider conditions). These Are cash loaded upfront so a minimum of 10 years opt in suggested.Since the emergence of online learning, there has been a discussion on whether online classes are better than traditional classes. There have been competing schools of thought with valid arguments for and against both.
In the case of distance learning, it may be most appropriate at colleges and universities. Research data consistently indicate that students strongly prefer distance education.
Distance learning allows students to balance their other commitments more effectively, at least in cases they are adult learners, commuters, and part-time students. They don’t believe that they sacrifice a quality education for the convenience of utilizing distance learning.
However, both traditional and online learning comes with advantages and disadvantages. When is online learning more convenient than traditional learning? This blogpost indicates the real potential of online learning versus traditional classes.
CAPITAL ENDEAVOR
Q: SO MANY PRODUCTS WHERE DO WE EVEN START?!
A: WITH US AND WE WILL EXPLAIN WHY.
As you may imagine not everything is right for everyone.
With the nuts and bolts that matters to us hidden and sales seemingly the only motives, we cut through the fat, materially educate you for life in all of our work the best we can and show you the variables that matter.
First Context:
1) The S&P 500 Index will outperform 95% of money managers beyond a 5 year term.
2) Just missing the ten best market days over the course of three market crashes or 20 years would cut your returns to almost Half.
With that pre-face we can more objectively understand the [Competitive Advantage] Not just a worst case scenario comparison of one product to another.
On average the S&P returns tend to average at around 9% a year (Compounded) over an extended period of time, NOT including dividends.
Some Structure Product Preface "Fixed" Index Market Participation Annuities "Cap Rates" and "Participation Rates are "Staggered".
If "Market Participation" Gains (Per Se) is 80% and The S&P for example delivers 100% you will only see 80% not including fees.
Thereafter the overlay of the cap rate cutting into the participation rate too.
So the "Limit down" comes at an [Opportunity Cost] debit to the S&P 500 ETF while remaining advantageous over a CD or savings account.
When I started R.L Dante Endeavor & Co, I came from the world of complex financial derivatives creating the hedging structures on the back end of insurance products to predict and engineer gains and losses.
While I didn't necessarily know all the insurance lingo and products the one thing I did know, is in my opinion what matters most as it pertains to the consumer: How insurance companies make their money and HOW it is that the costumer does pay for it. Upon getting my license, I was constantly told by all the top "industry performers" to only "focus on one product" and even within a single product line.
This was shocking to me, but I also don't blame them, I'm sure they were told the same.
The thing is, a number is a number is a number and I know WHAT numbers and information to look for. However, I am not going to lie- The amount of [Materially Irrelevant] information is overwhelming.
From diversity and inclusion of each insurance company, to "culture" and favorite Skittle's flavor I was made to sit through before getting any meaningful information about any product so that I may be able to provide the best for our clients.
The Fee's : Limit Down : Limit Up (Caps) : Participation : Withdrawal Fees : Time : Conditions and Benefits.
As an Agency I was looking for potential clients Opportunity Cost, Not [Worst Case Scenario] or even existing scenario, competitive advantage While considering realistically manageable
Is a Client going to sit in front of the S&P 500 all day every day? Is a Hedge Fund going to manage 3,000 dollars?
To Make matters worse, oftentimes these tax benefit annuities will be within something that already extends such benefits within themselves making the unnecessary fees staggering.
For those reasons amongst others, is what makes Capital Endeavor so different. If it's worthy, We have it. If there's something better, we will fight for it.
It's less a question of whether to get Annuities or Index Universal Life, but rather for whom which one when.
However upon determining those perimeters I can tell you (which) product within those would be best in correlation to the clients material goals.
If we determined that based on your goals and circumstances a private pension (Annuities) is best, well within those we like F&G + Barclays Trailblazer 5 Index with presently 160% Participation.
However in order to having gone to the point of determining that in the first place has more to do with managing the back-end of 25M dollars than it does ever having had acquired my General lines insurance sales license or agency.
While I would love to give you a simple answer, there are too many variables in any individual person's life for me to make any absolute recommendation, however no matter where you are at in your life or career, we have a solution for you, not because it makes a good sales pitch, but because the entire model of agency is unprecedented and why I had to start off as an agency off the bat in the first place.
It has been designed on a first principles bases.
What matters to people and why do they get insurance? If you just got a new car, it is safe to assume the reason you are getting full cover, is so protect and preserve the down payment and purchase. Considering most WHEREAS "full cover" insurance with gap insures the [bank and leasing company] as in case of a "Totaled" accident you will be left without a car. For that reason, WE KNOW, it is highly likely that as it pertains to the end goal of your purchase in the first place, "New Car Replacement Insurance" only provided by a handful of carriers may be the best recommendation for you, or we will at least mention what it means.
The rational basis of our agency and its first principal nature is not one paperwork experience, it is one of deductive reasoning at the foundation of our model and talent training.
While I hope this article did not come off as grifty for not having a simple answer, I do at least hope you profoundly understand why it does't, and how it has nothing to do with our hopes you contact us. In all reality, we may very not even have a presence at your local jurisdiction- but in the same breath, I hope that if you were looking for a simple answer, I hope clarity can be found in at least understanding the pre-face, S&P returns, and the nature of CAP's Staggered with Participation.
Hope this finds you well and don't hesitate to call or email us at (409) 500-2117 or myself personally at RLD@CapitalEndeavor.com
Love and Light to you all.
With the nuts and bolts that matters to us hidden and sales seemingly the only motives, we cut through the fat, materially educate you for life in all of our work the best we can and show you the variables that matter.
First Context:
1) The S&P 500 Index will outperform 95% of money managers beyond a 5 year term.
2) Just missing the ten best market days over the course of three market crashes or 20 years would cut your returns to almost Half.
With that pre-face we can more objectively understand the [Competitive Advantage] Not just a worst case scenario comparison of one product to another.
On average the S&P returns tend to average at around 9% a year (Compounded) over an extended period of time, NOT including dividends.
Some Structure Product Preface "Fixed" Index Market Participation Annuities "Cap Rates" and "Participation Rates are "Staggered".
If "Market Participation" Gains (Per Se) is 80% and The S&P for example delivers 100% you will only see 80% not including fees.
Thereafter the overlay of the cap rate cutting into the participation rate too.
So the "Limit down" comes at an [Opportunity Cost] debit to the S&P 500 ETF while remaining advantageous over a CD or savings account.
When I started R.L Dante Endeavor & Co, I came from the world of complex financial derivatives creating the hedging structures on the back end of insurance products to predict and engineer gains and losses.
While I didn't necessarily know all the insurance lingo and products the one thing I did know, is in my opinion what matters most as it pertains to the consumer: How insurance companies make their money and HOW it is that the costumer does pay for it. Upon getting my license, I was constantly told by all the top "industry performers" to only "focus on one product" and even within a single product line.
This was shocking to me, but I also don't blame them, I'm sure they were told the same.
The thing is, a number is a number is a number and I know WHAT numbers and information to look for. However, I am not going to lie- The amount of [Materially Irrelevant] information is overwhelming.
From diversity and inclusion of each insurance company, to "culture" and favorite Skittle's flavor I was made to sit through before getting any meaningful information about any product so that I may be able to provide the best for our clients.
The Fee's : Limit Down : Limit Up (Caps) : Participation : Withdrawal Fees : Time : Conditions and Benefits.
As an Agency I was looking for potential clients Opportunity Cost, Not [Worst Case Scenario] or even existing scenario, competitive advantage While considering realistically manageable
Is a Client going to sit in front of the S&P 500 all day every day? Is a Hedge Fund going to manage 3,000 dollars?
To Make matters worse, oftentimes these tax benefit annuities will be within something that already extends such benefits within themselves making the unnecessary fees staggering.
For those reasons amongst others, is what makes Capital Endeavor so different. If it's worthy, We have it. If there's something better, we will fight for it.
It's less a question of whether to get Annuities or Index Universal Life, but rather for whom which one when.
However upon determining those perimeters I can tell you (which) product within those would be best in correlation to the clients material goals.
If we determined that based on your goals and circumstances a private pension (Annuities) is best, well within those we like F&G + Barclays Trailblazer 5 Index with presently 160% Participation.
However in order to having gone to the point of determining that in the first place has more to do with managing the back-end of 25M dollars than it does ever having had acquired my General lines insurance sales license or agency.
While I would love to give you a simple answer, there are too many variables in any individual person's life for me to make any absolute recommendation, however no matter where you are at in your life or career, we have a solution for you, not because it makes a good sales pitch, but because the entire model of agency is unprecedented and why I had to start off as an agency off the bat in the first place.
It has been designed on a first principles bases.
What matters to people and why do they get insurance? If you just got a new car, it is safe to assume the reason you are getting full cover, is so protect and preserve the down payment and purchase. Considering most WHEREAS "full cover" insurance with gap insures the [bank and leasing company] as in case of a "Totaled" accident you will be left without a car. For that reason, WE KNOW, it is highly likely that as it pertains to the end goal of your purchase in the first place, "New Car Replacement Insurance" only provided by a handful of carriers may be the best recommendation for you, or we will at least mention what it means.
The rational basis of our agency and its first principal nature is not one paperwork experience, it is one of deductive reasoning at the foundation of our model and talent training.
While I hope this article did not come off as grifty for not having a simple answer, I do at least hope you profoundly understand why it does't, and how it has nothing to do with our hopes you contact us. In all reality, we may very not even have a presence at your local jurisdiction- but in the same breath, I hope that if you were looking for a simple answer, I hope clarity can be found in at least understanding the pre-face, S&P returns, and the nature of CAP's Staggered with Participation.
Hope this finds you well and don't hesitate to call or email us at (409) 500-2117 or myself personally at RLD@CapitalEndeavor.com
Love and Light to you all.
FIDELITY &GUARANTEE
ENDEAVOR PREMIER | ENDEAVOR PRESERVE | PRIVATE CLIENT
ANNUITIES
Accumulation Plus 10.
-In The Event of a terminal Illness there is no surrender charges for at home care through the Term.
-Death Benefit is included (avoid Probate)-Annual Free Withdrawal Benefits
-Starting Year Two up to 10% can be withdrawn with no penalty or surrender charges.Accumulator Plus*
-In The Event of a terminal Illness there is no surrender charges for at home care through the Term.
-Death Benefit is included (avoid Probate)-Annual Free Withdrawal Benefits
-Starting Year Two up to 10% can be withdrawn with no penalty or surrender charges.Accumulator Plus*
UNIVERSAL LIFE
F&G Universal Life
Living Benefits Riders - Conditions in which Death Benefit may be used early.
-Critical Illness
-Heart Attack
-Stroke
-Cancer
(Request optional rider conditions)
TAX BENEFITS
F&G Pathfinder
For a minimum of 7 years. The funds that grow on the cash value component are allowed to grow tax deferred. At age 68 it may be tax free under rule 7702
For a minimum of 7 years. The funds that grow on the cash value component are allowed to grow tax deferred. At age 68 it may be tax free under rule 7702
JUMP START YOUR FUTURE ENDEAVOR
ENDEAVOR EMBARK
AFFORDABLE LIFE INSURANCE AND FINAL EXPENSE
QUOTE SELF SERVICE BY CLICKING ETHOS OR ILIFE
AFFORDABLE CARE ACT ENROLLMENT ASSISTANCE
The top line carriers at the best market rates. We hold your hand while starting out, getting back on your feet or in a place of limited means, because we were once there too, and we believe you deserve the same care, love, support and attention as anyone else.
Ruben Landon Dante
From Tax liability to Free Long Term Care Strategies
From Tax liability to Free Long Term Care Strategies
-
TAX LIABILITY TO FREE LTC
Turn Tax Liability into Tax-Free Long Term Care - The average cost of private room nursing home care is up to $97, 450 per year. With that price tag, your clients could easily be staring down a bill of $300,000 to as much as $1,000,000. If you could leverage the tax liability of qualified dollars into a larger, tax-free pool of money for Long Term Care, would you take a look?- Multi-Structure Continuation of benefit riders
- Pure Long Term Care
- IRA's
- And more multi prong strategies
- Multi-Structure Continuation of benefit riders
-
SPREADING OUT TAXES
Repositioning, and more to help you maximize your life. Ask us for more details
CLIENT SOLUTIONS
Tax-Benefits Funding
For a minimum of 7 years.
The funds that grow on the cash value component are allowed to grow tax deferred or free under rule 7702.
Premier Death Benefit - (The Amount Payable at Death)
Living Benefits Riders - Conditions in which Death Benefit may be used early.
-Critical Illness -Heart Attack -Stroke -Cancer
(Request optional rider conditions)
Contact us for more information.
The funds that grow on the cash value component are allowed to grow tax deferred or free under rule 7702.
Premier Death Benefit - (The Amount Payable at Death)
Living Benefits Riders - Conditions in which Death Benefit may be used early.
-Critical Illness -Heart Attack -Stroke -Cancer
(Request optional rider conditions)
Contact us for more information.
Annuities Solutions for every need
A Pure Accumulation Focused Annuity (Pure Growth)
Not for lifetime income.
-In The Event of a terminal Illness there is no surrender charges for at home care through the Term.
-Death Benefit is included (avoid Probate)
-Annual Free Withdrawal Benefits -
Starting Year Two up to 10% can be withdrawn with no penalty or surrender charges.
Universal Life as well as legacy products
Solutions tailored to your needs.
ENDEAVOR PREMIER CLIENT SOLUTIONS
Key Notes:
-The S&P Outperforms 95% of money managers in excess of years.
-If Someone missed the top 10 markets days over 2 decades it would slash returns in half.
-
Learn the Art of Making
-
Develop your professional skills
-
Become a better professional
-
Ultimate Distance Training
-
Become a Super Learner
-
Master Certification in Market Research
Created with
