MTLC Insurance Associates

Life By Design

We protect the dreams of Middle America through a proprietary financial product that is disrupting the life insurance industry. Life insurance you don't have to die to use - it just makes sense.

Proprietary Product

Living Life Defender IUL

Living Life Defender Indexed Universal Life is customized specifically for and distributed exclusively by PFA. Living Life is a permanent life insurance product which combines insurance protection with the potential for cash value accumulation, issued by Life Insurance Company of the Southwest®, a member company of National Life Group®. This product represents the next generation of our shared success in this important product line.

* Living Life Defender Indexed Universal Life (IUL), form series 20608(0119)/ ICC19-20608(0119) and all associated riders are underwritten by Life Insurance Company of the Southwest, Addison, Texas. This product is not available in New York. National Life Group ® is a trade name representing various affiliates, which offer a variety of financial service products. Premier Financial Alliance, Inc is an independent agency of National Life Group ®. TC114282(0523)P

Other Products

Term Life Insurance

A cost-effective option for individuals who seek coverage for a predetermined period of time. Optional riders are available that allow you to access a portion of the death benefit while you're alive during qualifying health events.

Annuities

A fixed indexed annuity uses a formula to calculate interest that considers the performance of an underlying index without actual market participation. Ask about our exclusive product that offers the potential for a higher guaranteed lifetime income than a traditional fixed annuity.

Whole Life and Universal Life

Permanent life insurance protection with a cash value component. Optional riders are available that allow you to access a portion of the death benefit while you're alive during qualifying health events.

More Details on Living Benefits

Disclosure. Living benefits are provided by no-additional premium accelerated benefit riders. Payment of Accelerated Benefits will reduce the Cash Value and Death Benefit otherwise payable under the policy. Receipt of Accelerated Benefits may be a taxable event, may affect your eligibility for public assistance programs, and may reduce or eliminate other policy and rider benefits. Please consult your personal tax advisor to determine the tax status of any benefits paid under this rider and with social service agencies concerning how receipt of such a payment will affect you. Riders are supplemental benefits that can be added to a life insurance policy and are not suitable unless you also have a need for life insurance. Riders are optional, may require additional premium and may not be available in all states or on all products.

Is PFA a pyramid scheme

Due to a lack of understanding about PFA’s business model and success in the industry, some critics have asked an important question: Is PFA a pyramid scheme?

What is a Pyramid Scheme?

According to the FTC, a pyramid scheme has a few telltale signs that distinguish it from legitimate independent marketing organizations:

Income is based mainly on the number of people you recruit, and the money those new recruits pay to join the company — not on the sales of products to consumers.
You’re required to purchase lots of company inventory to get started and to continue with the company.
You’re forced to buy other “company products” you don’t need or necessarily want - just to stay in good standing with the company.
A Pyramid Scheme is an illegal “business” model.

PFA does not meet any of the aforementioned criteria. Licensed associates are paid only when financial products are sold; simply recruiting others to the company does not result in compensation. The one-time technology fee PFA collects upon sign-up provides the associate with access to PFA's exclusive tracking software and allows the agent to plug into a powerful community of associates. This technology fee is fully refundable in the first 10 days. At no time are associates required to purchase any products or services (except for those required for state licensure).
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How do PFA associates make money?

It is important to note that independent associates cannot make money at PFA without first obtaining the proper state insurance license and getting appointed with an insurance carrier; even then, a product must be sold in order for a commission to be earned. The act of recruiting someone to PFA does not result in compensation to an associate.

PFA has partnered with top insurance carriers in the country to help distribute life and annuity products to the public. The turnkey business platform allows for independent associates to grow their own business through the distribution of financial products. PFA never collects premiums for life insurance policies, and independent associates are paid commissions on the sale of insurance and annuities products.
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About PFA

At Premier Financial Alliance, we tell a different story in the financial services industry. Our focus is on protecting the dreams of the most underserved sector of the country: Middle America. We disrupt the status quo in financial services through life insurance you don’t have to die to use. We do our business by six guiding principles: Leadership, Integrity, Passion, Impact, Diversity, and Simplicity.

If you have questions about who PFA is, what we do, what we stand for, drop us a line. Reach us by email below or via live chat.

How to get your Hawaii Life Insurance license

Guide on obtaining your Hawaii Life Insurance license

1. Determine Eligibility: Ensure you meet the eligibility criteria to become a licensed life insurance producer in Hawaii. This includes being at least 18 years old and having a legal presence in the United States.

2. Complete Pre-License Education:

- Hawaii requires applicants to complete pre-license education before taking the licensing exam. For a life insurance license, this typically involves completing 20 hours of state-approved courses.

- You can find a list of approved pre-license education providers on the Hawaii Insurance Division’s website. These courses may be offered online or in-person.

3 . Take a Review Class (Optional):

- While taking a review class is not a mandatory requirement, it can be beneficial if you want to reinforce your understanding of life insurance concepts and Hawaii-specific regulations before the exam.

4. Register for the Example:

- Exams are administered by Pearson VUE, a testing company approved by the Hawaii Insurance Division. Registration can be done online or by phone.

- Pearson VUE’s contact information is as follows:

- Website*:[Pearson VUE(https://home.pearsonvue.com)

- **Phone**: 1-800-274-7292

- **Address for correspondence**: Pearson VUE, 5601 Green Valley Drive, Bloomington, MN 55437

5. Pass the Licensing Exam:

- The exam includes questions on general life insurance knowledge and state-specific laws. Be sure to review your pre-license education materials thoroughly.

- Set an exam date and location through Pearson VUE. Bring necessary identification on the test day.

6. **Submit Fingerprints for Background Check**:

- Hawaii requires all applicants to undergo a background check, including fingerprinting. This can usually be arranged through a service recommended by the testing provider. Check Pearson VUE or Hawaii Insurance Division guidelines for specific instructions.

7. Apply for the License:

- After passing the exam and completing the background check, apply for your life insurance license through the National Insurance Producer Registry (NIPR) or directly with the Hawaii Insurance Division.

- Pay the necessary application fee as part of the submission process. Application forms are provided online.

8. Receive Your License:

- Upon approval of your application, you will receive your Hawaii life insurance license. This authorizes you to legally sell life insurancei products in the state.

9. Maintain Your License:

- To keep your license active, you must meet continuing education requirements set by the state. This typically involves completing a specified number of education hours every two years.

For detailed and current information, always consult the Hawaii Insurance Division’s website or contact them directly to confirm specific licensing requirements and any recent changes to the process.