Free Live Webinar — VM Insurance Agency

How to Grow Your Retirement Savings by 22% on Day One, With Zero Market Risk

📅Every Tuesday & Thursday — Recurring Weekly

🕔5:00 PM EST & 7:00 PM EST

⏱45 min + Live Q&A

💻Zoom Webinar · Free

🎯Ages 50–70 with $100K+ in assets

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 22% 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.

Rick Cabezas

Founder & CEO, VM Insurance Agency | VM Capital Partners

Reserve Your Seat

Free. No obligation. Just 45 minutes that could change your retirement.

⚠️ Only 100 seats available — 67 remaining

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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.

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What You'll Learn

45 Minutes That Could Change Your Retirement

📈

What the 22% Day-One Bonus Actually Means

A live dollar example showing exactly what happens to $100K, $200K, and $300K the moment your annuity is issued — before any market movement.

🛡

How the Zero Floor Works in a Market Crash

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.

💰

How This Compares to Your CD Right Now

A direct comparison: $200,000 in a 4.8% CD vs. a 22% day-one FIA over 10 years. The numbers will surprise you.

💧

The Liquidity Myth — What You Can Actually Access

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.

🌎

Who Qualifies — Including Foreign Nationals

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.

🎁

What Happens to Your Money When You Pass Away

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.

The Math

Your Money on Day One

Based on the American Select 10 Bonus Plus from American Life & Security — 22% premium bonus applied at contract issue. Not a projection — a contractual guarantee.

You Deposit

$100,000

↓ +22%

Day One Balance

$122,000

$22,000 credited before any market movement

You Deposit

$200,000

↓ +22%

Day One Balance

$244,000

$44,000 credited before any market movement

You Deposit

$300,000

↓ +22%

Day One Balance

$366,000

$66,000 credited before any market movement

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.

Is This For You?

Who Should — and Shouldn't — Attend

Rick will be direct about who this product is right for. Here's a preview.

✅ This webinar is for you if...

✓You're between ages 50 and 75
✓You have $100,000+ in a CD, IRA, 401(k), or savings account
✓You want your money to grow but can't afford to lose any of it
✓You're not sure your current savings strategy will fund your retirement
✓You're a foreign national with a U.S. bank account and/or U.S. property
✓You want to leave something behind for your family

❌ This may not be the right fit if...

✗You need full liquidity within the next 3 years
✗You have less than $100,000 available to place
✗You're under age 40 with a long investment horizon better served by equities
✗You're looking for speculative growth or high-risk returns

What's Available

The Products We'll Cover

These products are not available through most financial advisors. They require direct carrier relationships that most distributors don't maintain.

American Life & Security Corp.

American Select 10 Bonus Plus FIA

22% Day-One Bonus

22% premium bonus at issue
3% interest bonus at year 10
S&P 500 Intraday & Nasdaq-100 options
0% floor — no market loss
Ages 0–85

AuguStar Retirement

OrionShield Fixed Indexed Annuity

Up to 21% Premium Bonus

Up to 21% premium bonus
Guaranteed Accumulation Protection (GAP)
7 & 10 year options
0% floor — no market loss
Death benefit included

AuguStar Retirement

Omega Bonus Plus 10

Up to 31% Day-One Premium Bonus

Up to 31% day-one premium bonus
10-year surrender period
9 index options — S&P 500, Nasdaq Night Owl, S&P MARC 5 & more
Rates guaranteed for full surrender period
0% floor — no market loss
Tax-deferred growth
Death benefit included
Not available in NY or CA

EquiTrust Life Insurance Co.

MarketTen Bonus Index®

8% Bonus (Years 1–5)

8% premium bonus years 1–5
Index-linked growth
0% floor — no market loss
10% annual free withdrawals
Nursing home waiver included

Your Host

About Rick Cabezas

Rick Cabezas

Founder & CEO — VM Insurance Agency | VM Capital Partners

Rick founded VM Insurance Agency after 30+ years in financial services, identifying 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.

30 Years in Financial Services Licensed FL · NJ · PA · CA Direct Carrier Relationships Foreign National Specialist

Questions

What People Ask Before Registering

Is this really free?

Yes, completely free. There is no charge to attend and no obligation to purchase anything. Rick earns compensation from carriers — not from you.

Will I be pressured to buy something?

No. The webinar is educational. The CTA at the end is simply an invitation to book a free 30-minute discovery call if what you've heard feels relevant to your situation. Nothing more.

I'm not sure I have enough money. Is $100K the minimum?

$100,000 is the recommended minimum to make the products most effective. If you're close to that threshold, the webinar is still worth attending — we can discuss options on a discovery call.

I'm not a U.S. citizen. Can I still attend?

Absolutely. We dedicate a portion of the webinar specifically to foreign national eligibility. If you have a U.S. bank account, you may qualify — and the webinar will explain exactly what's required.

What if I can't attend live?

What platform is the webinar on?

Zoom Webinar. You'll receive the link immediately after registering. You don't need a Zoom account — just click the link at the scheduled time.

How to Grow Your Retirement Savings by 22% on Day One, With Zero Market Risk

Reserve Your Seat

You're Registered!

45 Minutes That Could Change Your Retirement

Your Money on Day One

Who Should — and Shouldn't — Attend

✅ This webinar is for you if...

❌ This may not be the right fit if...

The Products We'll Cover

About Rick Cabezas

What People Ask Before Registering

Your Seat Is Waiting — Reserve It Free