October 2021 - Page 2 of 2

Improving Long-Term Care Placement Rates: 4 Things to Know Before You Quote

September 25, 2026October 14, 2021 by Tim Fuller

Adult daughter and her aging mother sharing a warm moment while discussing long-term care planning

Long-term care underwriting has become stricter. Declines on one spouse, and offers at worse rate classes than quoted, lead to policies that are never placed and clients who lose confidence. The fix starts before the first quote.

Key takeaways

Stricter LTC underwriting has increased declines and not-taken policies, especially for couples.
Four questions predict most outcomes: height and weight, tobacco use, recent or pending health issues, and current medications.
Pre-screening lets us recommend the carrier most likely to approve the client at the quoted rate class.

Medications tell you more than almost any other answer. Ask for the full list before you quote.

Why placement rates suffer

When a proposal is built without knowing the client’s health, the underwriting decision often doesn’t match the quote. Couples are especially vulnerable: if one spouse is declined, the other often walks away too. The result is wasted time and frustrated clients.

The 4 things to know first

Height and weight
Tobacco use
Recent major health issues or pending surgeries
Current prescription medications, which often reveal conditions clients forget to mention

With this information we can estimate insurability and rate class, and point you to the carrier most likely to view the client favorably.

Tools to make it easy

We offer a one-page LTC health questionnaire covering the issues that drive underwriting decisions. Reviewing a carrier’s underwriting guide once or twice also helps you learn what matters. The same approach works for life insurance; see field underwriting that gets the rate class right.

When one spouse is declined

Even with good field underwriting, it happens. Here’s how to handle the couple rejection objection.

Frequently asked questions

What health questions affect long-term care insurance approval?

Build, tobacco use, recent or pending health issues and surgeries, and current medications are the biggest factors.

Why are LTC insurance applications declined?

Common reasons include cognitive issues, recent major illnesses, mobility problems, and certain medications. LTC underwriting focuses heavily on future care needs.

How can I avoid LTC declines?

Pre-screen clients with a health questionnaire before quoting, and submit to the carrier most favorable to their health profile.

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Reviewed by Tim Fuller on 2026-09-25

Tim Fuller

President, SRS Inc.

Tim leads SRS Inc., a full-service IMO (Independent Marketing Organization) and BGA (Brokerage General Agency), connecting independent financial professionals with life, annuity, disability income, and long-term care solutions from 60+ carrier partners.

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Income Protection: Why Now Is the Best Time for Clients to Buy

September 25, 2026October 13, 2021 by Tim Fuller

Professional working confidently at her desk, representing disability income protection

When is the best time for a client to buy income protection? Now: before a health issue makes coverage harder to get, and before age makes it more expensive.

Key takeaways

Disability premiums rise with age, and health changes can limit or eliminate eligibility.
Young couples aged 25 to 45 are prime prospects: buying homes, starting families, with decades of earnings ahead.
A 33-year-old earning $60,000 with 3% annual raises will earn about $3.5 million by age 67.

A 33-year-old earning $60,000 has about $3.5 million of future earnings ahead. That’s the asset disability insurance protects.

Why earlier is better

Premiums are based partly on age, so they’ll never be lower than today. And any new diagnosis can bring exclusions, ratings, or a decline. Buying while young and healthy locks in both price and insurability.

Who to talk to first

Young couples aged 25 to 45 are buying homes and starting families, the ideal time to build a foundation of protection. Don’t overlook single full-time earners, new homeowners, existing life insurance clients, and auto clients with higher liability limits.

Show clients what they’re really protecting

A 33-year-old earning $60,000 a year, with 3% annual raises, will earn about $3.5 million by age 67. Income is their most valuable asset. Remind them how long it took to build their savings, and how quickly a disability could drain them.

Talking points

Explain what’s at risk: a lifetime of earnings.
Show how disability benefits cover expenses during recovery.
Stress timing: the premium will never be lower.

For framing the conversation, see why we call it income protection.

Frequently asked questions

What is the best age to buy disability insurance?

As early in your career as possible. Premiums are lower and qualifying is easier when you’re young and healthy.

Who needs disability insurance most?

Anyone who depends on their income, especially young families, homeowners, and single earners.

How much income could a disability cost?

Potentially millions. A 33-year-old earning $60,000 with 3% raises would earn about $3.5 million by 67.

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Reviewed by Tim Fuller on 2026-09-25

Tim Fuller

President, SRS Inc.

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Trust-Owned Life Insurance: Keeping Flexibility With Substitution Powers

September 26, 2026October 12, 2021 by Tim Fuller

Irrevocable trusts are the standard home for life insurance bought to cover estate taxes. But clients often worry about locking a valuable policy away for good. A properly drafted grantor trust can keep the door open to reacquire the policy later without pulling the death benefit back into the estate.

Key takeaways

Life insurance held in an irrevocable trust is generally kept out of the insured’s taxable estate.
Under Rev. Rul. 2011-28, a grantor’s power to reacquire a policy by substituting assets of equal value is not, by itself, an incident of ownership, when proper safeguards are in place.
A policy bought back from a grantor trust can often be sold back later without triggering the three-year rule or a transfer-for-value problem.

Rev. Rul. 2011-28 confirmed that a grantor’s substitution power, properly limited, does not cause estate inclusion of a trust-owned policy.

The standard ILIT strategy

Wealthy clients who expect an estate tax bill often buy life insurance inside an irrevocable life insurance trust (ILIT). They make gifts to the trust so the trustee can pay premiums, using annual exclusions or lifetime exemption to shelter the gifts. At death, the proceeds are outside the taxable estate and can provide liquidity to pay taxes. With the federal exemption now at $15 million per person, see our overview of what the $15M exemption means for planning.

The concern is what happens if the client later needs the policy back, for example as collateral for a business loan after health changes make new coverage hard to get.

What Rev. Rul. 2011-28 says

Many grantor trusts give the grantor a power to reacquire trust property by substituting other assets of equal value. Advisors once worried that this power, applied to a life insurance policy, might be an “incident of ownership” that would pull the death benefit back into the estate even if never used.

In Rev. Rul. 2011-28, the IRS concluded it is not an incident of ownership, provided that:

The trustee has a fiduciary duty to ensure the substituted assets are of equivalent value, and
The power cannot be exercised in a way that shifts benefits among trust beneficiaries.

Clients should confirm with their legal and tax advisors that their trust document meets these conditions.

Moving a policy out and back in

This flexibility can go both ways. Suppose a client reacquires a policy to use as loan collateral. Once the loan is repaid, the client may be able to sell the policy back to the grantor trust. Done properly:

The three-year rule for gifted policies generally doesn’t apply, because the policy is sold for full value rather than gifted.
Transfer-for-value is generally not an issue, because a sale to a grantor trust is treated for income tax purposes as a transfer to the grantor.

For more on why grantor trusts are so useful here, see our post on grantor trusts in life insurance planning.

Putting it to work

For clients hesitant about irrevocable planning, knowing there is a well-established way to get the policy back if needed can make the decision easier. Contact us if a client is weighing trust-owned coverage or the sale of an existing policy to a trust, and we can help you coordinate with their attorney.

Frequently asked questions

Can a grantor get a life insurance policy back out of an irrevocable trust?

Often yes, if the trust grants a power to reacquire assets by substituting property of equal value. Rev. Rul. 2011-28 held this power does not cause estate inclusion when the trustee must ensure equivalent value and benefits can’t be shifted among beneficiaries.

Does selling a policy to a grantor trust trigger the three-year rule?

The three-year look-back generally applies to gifts of life insurance. A bona fide sale for full value is generally not subject to it, though clients should confirm with their tax advisor.

Is a sale of a policy to a grantor trust a transfer for value?

Generally no. For income tax purposes, a sale to the insured’s own grantor trust is treated as a transfer to the insured, which is an exception to the transfer-for-value rule.

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Reviewed by Tim Fuller on 2026-09-26

Tim Fuller

President, SRS Inc.

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Special Needs Planning With Life Insurance: Funding a Special Needs Trust

September 26, 2026October 11, 2021 by Tim Fuller

Parents and caregivers of a family member with special needs often share one worry: who will provide for their loved one when they’re gone? A special needs trust funded with life insurance can create lasting resources without putting critical government benefits at risk.

Key takeaways

A special needs trust (SNT) can hold assets for a person with a disability while helping preserve eligibility for means-tested programs such as SSI and Medicaid.
Life insurance is a natural funding source because it creates a known sum exactly when the caregiver is no longer there.
These cases often involve the whole family, opening the door to broader planning.

Life insurance delivers funding to the special needs trust at the moment it is needed most: when the parent or caregiver is gone.

Why a special needs trust matters

Many people with disabilities rely on means-tested government programs such as Supplemental Security Income (SSI) and Medicaid. Leaving money to them directly can disqualify them from those benefits. A properly drafted third-party special needs trust holds assets for their benefit and can pay for extras that improve quality of life, while being designed to avoid counting against eligibility.

The trust needs to be drafted by an attorney experienced in special needs planning, and the trustee must follow the rules on how distributions are made.

How life insurance fits

The biggest challenge is funding. Parents may not have enough assets to support a loved one for a lifetime. Life insurance solves that by creating a known amount, delivered to the trust at the parent’s death. Common designs include:

A guaranteed universal life policy owned by or payable to the trust for lifetime protection
Survivorship (second-to-die) coverage when the goal is to fund care after both parents are gone
Premiums funded by annual exclusion gifts; see our overview of gifting strategies

Beneficiary designations of other family members and relatives should be coordinated so no one accidentally leaves assets directly to the person with special needs.

Planning for the whole family

Special needs planning rarely stops at one policy. Families also need to think about guardianship, a letter of intent describing the loved one’s routines and care, retirement planning for the parents, and fair treatment of siblings. ABLE accounts can also play a supporting role for eligible individuals. Each conversation is a chance to serve the family more completely.

An opportunity to serve

Families caring for a loved one with special needs are often stretched thin and don’t have time to research their options. An advisor who brings a clear plan and a trusted network of attorneys can make a real difference. Contact us to talk through case design and carrier options for your next special needs case.

Frequently asked questions

What is a special needs trust?

It is a trust that holds assets for a person with a disability, designed so the assets generally don’t count against eligibility for means-tested benefits like SSI and Medicaid. The trustee uses the funds to supplement, not replace, those benefits.

Why use life insurance to fund a special needs trust?

Life insurance creates a known sum paid to the trust when the parent or caregiver dies, which is exactly when the loved one will need support the most.

Should the person with special needs be named directly as beneficiary?

Generally not. Leaving assets directly to someone who relies on means-tested benefits can affect eligibility. Naming the special needs trust as beneficiary is usually the better approach, with guidance from an experienced attorney.

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Reviewed by Tim Fuller on 2026-09-26

Tim Fuller

President, SRS Inc.

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Life Insurance With a History of Gastric Ulcers: Best Rates Are Possible

September 25, 2026October 8, 2021 by Tim Fuller

A past stomach ulcer can raise questions on a life application, especially if there was bleeding or ongoing treatment. For a successfully treated ulcer with good documentation, the best rate classes are still within reach.

Key takeaways

Gastric (peptic) ulcers are most often caused by H. pylori bacteria; alcohol, smoking, and NSAID use are other risk factors.
Ulcers that were treated, followed up, and documented as healed generally get the most favorable offers.
A 59-year-old with a past non-bleeding gastric ulcer received Select Preferred on $1 million of term coverage.

A treated, non-bleeding gastric ulcer — and the client still received Select Preferred on $1 million of term.

What gastric ulcers are

Gastric ulcers, also called peptic ulcers, are areas of erosion in the stomach lining that cause abdominal pain and sometimes bleeding. The most common cause is infection with Helicobacter pylori (H. pylori) bacteria. Alcohol use, smoking, and regular use of nonsteroidal anti-inflammatory drugs (NSAIDs) also raise the risk.

What underwriters look for

Underwriters want to know the cause, whether there was bleeding, how it was treated, and whether healing was confirmed at follow-up. Clean documentation of successful treatment is what separates a best-class offer from a rated one. Heavy alcohol use or recurring ulcers are the main red flags.

Case study: Select Preferred on $1 million

59-year-old male applying for $1 million of term coverage
5’9”, 140 lbs, lifelong non-smoker, no adverse family history
Diagnosed with a non-bleeding gastric ulcer in 2014
Takes over-the-counter medication for heartburn; no alcohol use

Underwriting decision: Select Preferred.

How to prepare the case

Ask the client for the date of diagnosis, what treatment they received, and any follow-up endoscopy or test showing the ulcer healed. Our Underwriting Team can pre-screen the details and point you to a carrier that treats this history competitively.

Frequently asked questions

Does a stomach ulcer affect life insurance rates?

A single, successfully treated ulcer often has little or no effect, especially with documented healing. Bleeding ulcers, recurrences, or alcohol-related causes are more likely to affect the offer.

What documentation helps an ulcer case?

The diagnosis date, treatment records, and any follow-up test confirming the ulcer healed. This shows the underwriter the condition is resolved.

Is heartburn medication a problem on the application?

Not usually. In the case above, the client took over-the-counter heartburn medication and still received Select Preferred.

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Reviewed by Tim Fuller on 2026-09-25

Tim Fuller

President, SRS Inc.

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When One Spouse Is Declined for Long-Term Care Insurance: Handling the Objection

September 25, 2026October 7, 2021 by Tim Fuller

Couples usually buy together. So when one spouse is approved for long-term care insurance and the other is declined, the approved spouse often cancels too. That’s exactly when their coverage matters most.

Key takeaways

If one spouse is declined, the healthy spouse is likely to become the caregiver.
Caregiving can drain savings and leave little for the caregiver’s own future care.
The insurable spouse’s coverage protects the couple’s plan, not just one person.

If your spouse can’t get coverage, you’re likely their plan. Who will be yours?

Why couples walk away

The approved spouse may not want coverage from a carrier that declined their partner, or may decide coverage isn’t needed at all. It’s an emotional reaction, and an understandable one, but it leaves both spouses exposed.

Why the insurable spouse needs coverage more

If one spouse can’t be insured, the healthy spouse will probably try to provide care, with all the physical, emotional, and financial demands that brings. Along the way, they may spend down savings that were meant for their own future care.

How to respond

Client: “My spouse was declined, so I don’t want my policy.”

You: “Caring for your spouse could take a little effort or a great deal. Either way, you may need to use your savings, which could leave little for your own care later. Would you be ready to handle that alone?”

Options for the declined spouse

A decline from one carrier isn’t always final. Other carriers, hybrid products, or life insurance with a chronic illness rider may be available. Better field underwriting before you quote also helps avoid the situation. Our LTC team can review options.

Frequently asked questions

What should a couple do if one spouse is declined for LTC insurance?

The insurable spouse should usually keep their coverage, since they’re likely to become the caregiver. Look into alternatives for the declined spouse.

Can a spouse declined for LTC insurance get other coverage?

Sometimes. Another carrier, a hybrid product, or a life policy with a chronic illness rider may be possible.

Why is LTC coverage important for the healthy spouse?

They often provide care for the other spouse and may use up savings meant for their own future care.

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Reviewed by Tim Fuller on 2026-09-25

Tim Fuller

President, SRS Inc.

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Stacking Group, Individual, and Excess Disability Insurance for Executives and Physicians

September 25, 2026October 6, 2021 by Tim Fuller

Executives, physicians, and other high earners often have group disability and even an individual policy, yet are still badly underinsured. Carrier issue limits and group caps leave a gap that only a third layer of coverage can fill.

Key takeaways

Group plans for physicians and executives often cap benefits at a small fraction of actual income.
Traditional individual DI carriers have maximum issue limits that high earners quickly exceed.
High-limit excess DI, a third tier, can bring clients earning over $250,000 closer to 65–75% replacement.

Earn $600,000, and group plus individual coverage might replace only a third of it. The third tier closes the gap.

The three tiers

Group LTD: employer-provided, often 60% of salary up to a monthly cap, typically taxable. See the limits of group coverage.
Individual DI: portable, usually tax-free benefits, but limited by carrier issue and participation limits.
Excess or high-limit DI: coverage from specialty markets that sits on top of the first two, often with higher limits and flexible financial underwriting.

Who needs a third tier

Clients earning over roughly $250,000, including physicians, attorneys, accountants, and executives, should generally aim for 65–75% of earnings in total protection. Many can’t reach that with group and individual coverage alone. Bonuses, deferred compensation, and K-1 income are common sources of uncovered earnings. See also closing the income protection gap for high earners.

How we build it

We coordinate all three layers so benefits fit together within carrier participation limits. The plan can be simple or comprehensive depending on the client’s needs.

Frequently asked questions

What is excess disability insurance?

High-limit coverage, often from specialty markets, that sits on top of group and individual policies for high earners.

How much disability coverage should a high earner have?

Many advisors target 65–75% of total earnings, which often requires group, individual, and excess coverage combined.

Why can’t high earners get enough individual disability insurance?

Traditional carriers have maximum issue and participation limits that high incomes quickly exceed.

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Reviewed by Tim Fuller on 2026-09-25

Tim Fuller

President, SRS Inc.

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Family LLCs and Valuation Discounts: Still a Powerful Gifting Tool

September 25, 2026October 5, 2021 by Tim Fuller

Parents who want to pass wealth to children often worry about handing over control too soon. A family LLC solves that, and it can also make every dollar of gift exemption go further through valuation discounts.

Key takeaways

A family LLC with voting and non-voting interests lets parents gift ownership while keeping control of the assets.
Non-voting, non-marketable interests can often be valued at a discount, so more value passes per dollar of exemption used.
2021 proposals to eliminate discounts on passive assets were not enacted; discounts remain available but require a qualified appraisal and careful structure.

Gift 50% of a $1 million LLC with a 25% valuation discount, and the reportable gift is $375,000 — not $500,000.

How a family LLC works

The family consolidates assets in an LLC with two classes of interest: voting (often 1–2%) and non-voting (the rest). Parents gift non-voting interests to children, using annual exclusions or lifetime exemption. Growth on the gifted interests happens outside the parents’ estate, while parents keep all voting control. If income allocations to the parents fall, a reasonable management salary can help.

How valuation discounts work

An interest with no vote and no ready market is worth less than its proportionate share of the underlying assets. So a 50% non-voting interest in a $1 million company might be appraised at a 25% discount, making the gift $375,000 instead of $500,000. The discount must be supported by a qualified appraisal and a real business purpose.

Current status

In 2021, the Build Back Better proposal would have disallowed discounts on transfers of “non-business” passive assets, such as marketable securities, held in a family entity. That provision was not enacted. Discounts remain available, but the IRS scrutinizes them, especially on entities holding mostly passive investments, so structure and documentation matter.

Where life insurance fits

With the federal exemption now $15 million per person, family LLCs are most relevant for larger estates and for clients who want to shift future growth out of the estate. Life insurance, often owned by an irrevocable trust, can provide liquidity for any remaining estate tax and equalize inheritances. See gifting strategies under the permanent $15 million exemption.

Frequently asked questions

What is a family LLC?

A limited liability company that holds family assets, typically with voting interests kept by parents and non-voting interests gifted to children.

Are valuation discounts for family LLCs still allowed?

Yes. Proposals in 2021 to limit them were not enacted, but discounts must be supported by a qualified appraisal and are closely reviewed by the IRS.

How big are family LLC discounts?

It depends on the assets and structure; the appraisal determines it. The example in this article uses a 25% discount for illustration.

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Reviewed by Tim Fuller on 2026-09-25

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President, SRS Inc.

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Gifting Strategies Under the Permanent $15 Million Exemption

September 25, 2026October 4, 2021 by Tim Fuller

In 2021, advisors were racing to help clients use their exemption before it shrank. That urgency is gone: the exemption is now $15 million per person and no longer scheduled to drop. The planning question has shifted from “how fast” to “what’s the smartest way to use it.”

Key takeaways

The federal gift and estate exemption is $15 million per person from 2026, with no scheduled sunset.
Lifetime gifts move future appreciation out of the estate, but heirs inherit the donor’s income tax basis rather than a step-up.
Life insurance premiums gifted to an irrevocable trust can multiply the value of exemption and annual exclusion gifts.

Gifts shift future growth out of the estate — but gifted assets keep the donor’s basis. Give low-gain assets; keep highly appreciated ones for the step-up at death.

What changed since 2021

Back then, proposals would have cut the exemption early, and the 2017 law’s increase was scheduled to expire at the end of 2025. Neither happened as feared: the One Big Beautiful Bill Act set a permanent $15 million per-person exemption from 2026. See what the permanent exemption means.

Considerations before making large gifts

Control: clients may be uneasy giving away large amounts outright. A family LLC lets them gift non-voting interests while keeping control.
Basis: recipients take the donor’s income tax basis. Gift assets with little built-in gain, and leave highly appreciated assets to pass at death with a step-up.
Married couples: each spouse has an exemption. Consider which spouse’s exemption to use first, and watch community property rules when retitling assets.
Future law changes: “permanent” means no scheduled sunset, not immunity from future legislation. Using exemption now locks in the benefit.

Where life insurance adds leverage

Gifts to an irrevocable life insurance trust (ILIT) used to pay premiums can turn a modest annual gift into a much larger, income-tax-free death benefit outside the estate. Premium gifts can often be covered by the annual exclusion ($19,000 per recipient in 2025) using Crummey withdrawal powers, preserving lifetime exemption for other planning. For larger single-premium designs, part of the lifetime exemption can be used.

Frequently asked questions

How much can I gift without paying gift tax in 2026?

Each person can give up to $15 million over their lifetime free of federal gift tax, in addition to annual exclusion gifts to each recipient.

Is it better to gift assets now or leave them at death?

It depends. Gifting removes future growth from the estate, but assets left at death generally get a step-up in basis. Low-gain assets are often better gifts.

How does life insurance fit into lifetime gifting?

Gifts to an irrevocable trust can pay premiums on a policy whose death benefit passes outside the estate, multiplying the value of the gift.

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Reviewed by Tim Fuller on 2026-09-25

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President, SRS Inc.

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Selling Assets to an Intentionally Defective Grantor Trust: Where Life Insurance Fits

September 25, 2026October 1, 2021 by Tim Fuller

An intentionally defective grantor trust (IDGT) is one of the most effective tools for high-net-worth clients who want to move a growing asset out of their estate. It’s also a natural home for life insurance.

Key takeaways

An IDGT is outside the grantor’s estate for estate tax purposes but treated as the grantor for income tax purposes.
Because the grantor and trust are the same taxpayer, selling appreciated assets to the trust for a note generally triggers no capital gain, and note interest isn’t taxable income.
Life insurance can be transferred to a grantor trust without triggering the transfer-for-value rule, and can fund liquidity or repay the note.

Sell a growing asset to the trust for a note, and future appreciation above the note’s interest rate passes to heirs outside the estate.

Why the “defect” is intentional

Grantor trust rules were originally written to stop income shifting, when trusts were taxed at lower rates than individuals. Today trust tax brackets are highly compressed, so paying the trust’s taxes personally is usually preferable. Trusts are therefore deliberately drafted to be grantor trusts for income tax while remaining outside the estate. Proposals in 2021 to curb grantor trusts were not enacted.

How an installment sale works

The grantor makes a “seed” gift to the trust, often around 10% of the value of the asset to be sold.
The grantor sells an appreciating asset, such as business interests, to the trust for a promissory note at the IRS’s applicable federal rate.
Because the grantor and trust are one taxpayer, the sale generally doesn’t trigger capital gain, and interest payments aren’t taxable income to the grantor.
Growth above the note’s interest rate stays in the trust, outside the estate.

Where life insurance fits

Ownership: the trust can own life insurance on the grantor, keeping the death benefit outside the estate.
Transfer-for-value: transferring an existing policy to a grantor trust is generally treated as a transfer to the insured, an exception to the transfer-for-value rule. See how transfer-for-value can hurt a death benefit.
Liquidity: the death benefit can repay any outstanding note or provide cash for estate taxes.

Planning notes

Assets in the trust don’t receive a step-up in basis at the grantor’s death. The strategy requires careful drafting, a qualified appraisal, and ongoing administration, so it should always be designed with the client’s attorney and tax advisor. We can help model the life insurance piece. More on how grantor trusts work.

Frequently asked questions

What is an intentionally defective grantor trust?

An irrevocable trust drafted so its assets are outside the grantor’s estate, while the grantor is still treated as owner for income tax purposes.

Does selling assets to an IDGT trigger capital gains tax?

Generally no, because the grantor and the trust are treated as the same taxpayer for income tax purposes.

Can a life insurance policy be moved into a grantor trust?

Yes. A transfer to a grantor trust is generally treated as a transfer to the insured, an exception to the transfer-for-value rule.

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Reviewed by Tim Fuller on 2026-09-25

Tim Fuller

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Improving Long-Term Care Placement Rates: 4 Things to Know Before You Quote

Why placement rates suffer

The 4 things to know first

Tools to make it easy

When one spouse is declined

Frequently asked questions

Tim Fuller

We’re Here to Help

Why earlier is better

Who to talk to first

Show clients what they’re really protecting

Talking points

Frequently asked questions

Tim Fuller

We’re Here to Help

Tim Fuller

We’re Here to Help

Tim Fuller

Tim Fuller

Tim Fuller

Tim Fuller

Tim Fuller

Tim Fuller

Tim Fuller