Discover the retirement product most financial advisors never talk about — because they don't have access to it. In 45 minutes, you'll see exactly how Fixed Index Annuities with up to 23% day-one bonuses work, who they're right for, and what they could do for your retirement income. Sessions run every Tuesday and Thursday at 5:00 PM and 7:00 PM EST.
Free. No obligation. Just 45 minutes that could change your retirement.
Your information is never shared or sold. You'll receive a confirmation email with the Zoom link immediately after registering. A reminder will be sent 24 hours and 1 hour before the webinar.
Check your inbox for your Zoom link and confirmation. We'll send a reminder 24 hours before the webinar.
Want to speak with Rick Cabezas before the webinar? Book a call here →
A live dollar example showing exactly what happens to $100K, $200K, and $300K the moment your annuity is issued — before any market movement.
What happened to FIA clients in 2008 and 2020 — when the S&P dropped 38% and 34% — and why their balance never went down a dollar.
A direct comparison: $200,000 in a 4.8% CD vs. a 23% day-one FIA over 10 years. The numbers will surprise you.
Most people think annuities lock up their money forever. We'll show you the 10% annual free withdrawal provision and what it means in practice.
Pre-retirees aged 50–75 are the ideal fit. We'll also cover eligibility for foreign nationals with U.S. bank accounts — a niche most advisors miss entirely.
The built-in death benefit — how it works, how it's paid, and why it makes this an estate planning tool as much as a retirement tool.
Based on the American Select 10 Bonus Plus from American Life & Security — 23% premium bonus applied at contract issue. Not a projection — a contractual guarantee.
Bonus figures based on American Select 10 Bonus Plus, American Life & Security Corp. Subject to carrier availability and suitability. Not a guarantee of future performance. FOR ILLUSTRATION PURPOSES ONLY.
Ashley will be direct about who this product is right for. Here's a preview.
These products are not available through most financial advisors. They require direct carrier relationships that most distributors don't maintain.
Ashley founded VM Insurance Agency and Cadbury Financial Group after spending 30 years in financial services and observing a persistent gap: the best annuity products — the ones with real premium bonuses and genuine client protections — were inaccessible to most consumers because most advisors simply didn't have access to them.
Today, VM Insurance Agency works directly with top-rated carriers including American Life & Security Corp., AuguStar Retirement, and EquiTrust Life — bringing products to pre-retirees across Florida, New Jersey, Pennsylvania, and California that most advisors can't offer.
100 seats. One live session. The retirement information most advisors never share.
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