Saturday, December 30, 2017


My name is Thomas Gucciardi.  I have 30 plus years of expertise in providing life insurance information.  The main confusion I find my clients having with life insurance is usually related to the premium.  Will it go up, down, etc.

The product that I feel is suitable for someone who can afford this type of product is a "lump sum premium"  with no more premiums required. The contract will pay a flat death benefit to your beneficiary or beneficiaries.

Therefore you know exactly how much you paid and how much your loved ones will receive, up front.  There are no surprises and it is a simple to get approved process.

Many people leave a CD valued at $100,000 to a child.  The smart financial move is to place $100,000 in a single premium contract and leave up to $200,000 tax free.  Of course the death benefit is created on your age and basic health at the time of the application.

Please call Thomas Gucciardi @ 954-804-4381 for more information.

Leave a Legacy.

Thomas Gucciardi

Friday, September 15, 2017

Thomas Gucciardi Global Financial Group Words Of Wisdom For Clients And Employees

Thomas Gucciardi

I'm proud to announce the unifying principles that I truly stand for. After 30 plus years of transacting insurance business, I have developed a Company Creed that I request everyone within the family of Global Financial Group to adhere by. I have worked with over a thousand insurance agents and thousands of clients in my career. I believe that I have enriched many agents with their Career. I also believe that I have assisted thousands of clients with the assistance of other quality agents, to positively structure their insurance portfolio. I feel that the next 20 years of my life will enriched by the quality people that I associate with. Here is our COMPANY CREED:

The Global Financial Group core beliefs will impress upon its agents, employees and affiliates, honesty and fairness in all of its business dealings.

Thomas Gucciardi, the founder of Global Financial Group is proud of the unifying principles and morals we strongly believe in:

Thomas Gucciardi:

We offer our clients competence, diligence, and good judgment.

We utilize compliant marketing material from the carriers we represent as well as the State we are conducting business within.

We will only conduct business that benefits our clientele.

We will continually show respect to fellow agents and employees.

We will respect all Insurance Agents in our industry in a fashion in which we wish to be respected.

We will utilize fair marketing practices with the intention of educating our clientele.

We understand and agree that a personalized and caring nature towards our clientele is the first responsibility we have to our clientele. We will service our clientele to the best of our ability.
We offer fairness, integrity and civility as etiquette for correct business and personal relationships.

We will strive to make our personal lives and business activities an example for others to emulate and a source of pride for our families and community.

We hold all individuals' rights to self-determination, privacy and personal dignity to be authentic.

We believe ethical behavior is a matter of spirit and intent as well as a matter of law.

We believe honesty and integrity is characterized by open and truthful communication.

These principles shall be the guiding light for all.

Thomas Gucciardi, Founder

Tuesday, April 4, 2017

Global Financial Group, Types Of Life Insurance, Thomas Gucciardi Founder

 My name is Thomas Gucciardi. I present you with is some information on Life Insurance.  I decided to start with some basic information on Life Insurance. There are many variations of Life Insurance, here are some general definitions of popular types of Life Insurance that our producers at Global Financial Group have been selling.

Some Types of Life Insurance

1. Term Insurance is the most basic, and generally least expensive, form of life insurance for people under age 50. A term policy is written for a specific period of time. Usually 10, 20 or 30 years. A level term policy locks in the annual premium and death benefit.

2. Whole Life combines permanent protection with a savings component. As long as you continue to pay the premiums, you are able to lock in coverage at a level premium rate. Part of that premium accrues as cash value. As the policy gains value, you may be able to borrow up to 90% of your policy's cash value tax-free

3. Universal Life is similar to whole life with the added benefit of potentially higher earnings on the savings component. Universal life policies are also highly flexible in regard to premiums and face value. Premiums can be increased, decreased or deferred, and cash values can be withdrawn. You may also have the option to change face values. Universal life policies typically offer a guaranteed return on cash value, usually at least 4%. You'll receive an annual statement that details cash value, total protection, earnings, and fees.

4. Survivorship life Insurance (also referred to as last-to-die or second-to-die) is a unique type of contract that insures the lives of two people. It pays a death benefit upon the death of the second insured. Therefore, it is typically less expensive than two individual policies. Survivorship life is often used for estate planning, where it may be possible to potentially leverage today's dollars -- via insurance premiums -- into a potentially significant death benefit that can be used to fund estate taxes, create wealth for future generations, or benefit a charity. These policies may be available if one insured is medically "uninsurable."

5. First-to-die life Insurance insures the life of at least two people and pays a benefit upon the death of the first insured. This policy is useful for covering a mortgage or other large debt obligation where there is more than one debtor. In addition, it can be an ideal tool for funding a buy-sell agreement within a closely held business.

Sunday, February 26, 2017

Long Term Care/Home Care Coverage, Global Financial Group Thomas Gucciardi

My name is Thomas Gucciardi, 30 plus years of experience in assisting people with there life savings.
The need for LTC/HHC Insurance has never been greater. I am reminded on a daily basis from real life stories of children stricken with the cost of taking care of their ageing parents. My advice for all Americans is to call me for a free consultation As baby boomers retire at a rate of 10,000 per day in America, a large portion of them will require some assistance. The cost is extreme. Usually ranging from $3500.00 per month to $8,000.00 per month. (per person) Many insurance companies offer coverage. It is prudent that you obtain coverage at an earlier age, therefore the premiums will be affordable as you age. My advice is to obtain this coverage in your 50’s or early 60’s. The coverage is available to you into your 80's. So it is never to late to discuss this important coverage. The products are strictly underwritten as the carriers are taking on a huge risk. As a licensed professional I have a responsibility to inform you of what products will save your life savings and independence.

I am proud of the quality business that my family of Global Financial Group agents have provided to our clients. The LTC/HHC line of products is important to your retirement. Start early and pay less.