Ask a Specialist


    YESNO

    Please have your client consult his/her HR department to see if this money is eligible for rollover. Typically you cannot move active retirement accounts.













      YESNO

      Lifetime IncomePass Onto SpouseTax DeferralSafe GrowthPass Onto ChildrenTax Free RetirementFinal ExpensesPay Off MortgageReplace IncomeCash AccumulationDeath Benefit






























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          All rights reserved, 2020.

          Sean Ruggiero

          President

          Registered Investment Advisor (CRD #7201706) CEP, RICP, WMCP & National Social Security Advisor Certificate Holder.  Sean’s focus is on helping consumers, agents and agencies with retirement readiness through the use of evolving FIAs, education, training and software.  Voted by Life Health Pro as one of “Top 20 Most Creative People in Insurance” for 2015. DIA award winner in 2016 Barcelona. Listed Top 100 InsurTech Startups by Digital Insurance Agenda in 2018. Marketing consultant for three of the top 60 insurance companies in the United States. Founder of SafeMoneySmart.org, a non-profit dedicated to the awareness of alternatives to the stock market in retirement. Author of “FIAs for Retirement” (released 2020).

          Bridget Reimer

          Vice President

          Bridget Reimer was born in San Diego, CA but moved around most her life due to being a military family (her father served 22 years in the Navy!).  She attended Carroll College and the University of Phoenix to receive her BS in Human Services and Management.  She is also a licensed agent, has an NSSA Certification and holds her RICP (Retirement Income Certified Professional) designation from the American College of Finance.  Bridget currently resides in beautiful Coeur d’Alene, Idaho with her husband Joseph, their 4 children, 3 dogs, and a bearded dragon.  She is our annuity “ask a specialist” expert and here to help you design a personalized plan for your client. She also oversees all operations for the FFL Advanced Market division.

          Nichole Fleming

          Director of IUL Sales

          Nichole Fleming was born in Coeur d’ Alene Idaho, years later she moved to Post Falls Idaho where she attended school and spent most of her life.  She is married with three girls and now resides in Spokane, WA.  Nichole has a passion for cooking, loves the Pacific Northwest enjoying time with her family and being outside in the warmer weather months.  Nichole has her life/health license and has worked in the life insurance industry for over 10 years.

          Scott Genad

          Director of Infinite Banking

          Financial Services Professional with over 10 years progressive experience, holding positions that range from Executive Senior Advisor, Retirement Planner, Infinite Banking Specialist, and culminating in Founding American Capital Life LLC, an independent financial risk management group.

          American Capital Life specializes in helping agents around the country create wealth, pay off debt in a rapid fashion, and maximize tax free loan efficiency.

          Scott currently lives in Florida with his amazing wife and dynamic son. In his free time he enjoys spending quality time with his family and friends, exercising, golfing, and the outdoors.

          Ryan Wert

          Director of Premium Financing

          5 years of financial services experience. Works with agents and advisors across the country to design and implement premium financing designs and strategies to their clients. Strong skillset for understanding a clients financial position and adjust the strategies presented accordingly, to meet the goals of each individual.

          Founded Brightstar Partners Insurance, with the goal of bringing creative insurance solutions to high-net-worth professionals and their families.

          Ryan currently resides in Laguna Beach and enjoys golfing, tequila tasting, and coaching his 10-11 year old’s football team at the Quarterback position. Ryan also is a father to 3 amazing Shih Tzu’s.

          Lauren Jackson

          Annuity Processing Manager

          Lauren Jackson grew up on a wheat farm in eastern Washington and graduated from Washington State University with a BA in Communications she also has her Life/Health insurance license & NSSA Certification. Lauren now lives in north Idaho with her husband and two dogs and enjoys photography, cooking, walking her dogs & helping agents get their annuities issued! She is here to assist you from start to finish with scrubbing your annuity application to dealing with the transfer companies and everything in between.

          Navi Salisbury

          Contracting Manager

          Navi Salisbury was born and raised in a small town in Southern Idaho. She graduated from Lewis-Clark State College with a BA in Business Administration. Navi moved to Northern Idaho after graduation and has since fallen in love with the area. She enjoys hiking, fishing, and hanging out at the beach with her friends.

          Jo-Ann Rogan

          Digital Marketing Specialist

          Jo-Ann Rogan was born and raised in Long Island, NY. She moved to her current hometown, Philadelphia, to attend Temple University, where she earned a Bachelor of Science in Kinesiology.  Legal IT became her profession and in her free time, she became a special needs parenting blogger, which she has authored for over a decade. Her blog morphed into a career as a freelance writer and social media manager. Jo-Ann started working with InsuranceDrip while it was still in development, then acted as the social media manager for Family First Life for 18 months which helped her to develop a real passion for working with Life Insurance. When she is not working, you will probably find her at one of her two teenage sons’ twice daily USA swim practices.

          Katy Johnson

          Marketing Director

          Katy was born and raised in North Platte, NE and later moved to Norfolk, NE to attend college. She obtained her Associate of Applied Science in Business Administration from Northeast Community College in May of 2020. Katy currently lives in Lincoln, NE where she enjoys going to the gym, cooking, and being outdoors.

          Tylre Kelley

          Contracting Assistant

          Tylre Kelley was born and raised in Las Vegas, Nevada, then spent about a decade in Los Angeles, California. She currently resides in Coeur d’Alene Idaho where she studies graphic design and plays roller derby in her free time.

          Merissa Pringle

          Contracting Assistant

          Merissa is from Seattle, WA. She moved to beautiful Coeur d’Alene in 2019 with her dog and 2 cats to follow her dreams of small-town living and starting her own business. Merissa enjoys traveling, karaoke, and paddle boarding on the lake.

          Charlotte Lowman

          ​​Annuity Processing Assistant

          Charlotte grew up in San Antonio, TX and now lives in beautiful North Idaho. She attended North Idaho College and graduated with her Associate of Arts in General Education in May of 2022. She has studied cello for most of her life and enjoys arranging music and social dancing in her free time.