(951) 888-1282 - Real Estate, Life Insurance, Retirement Annuities, Supplemental Health, Annual Financial Reviews (San Jacinto-Hemet & Valley Center, Temecula-Murietta, Menifee, Homeland, Romoland, CA) Replacement Income, Health, Disability & Long Term Care, Medicare Plans from Gary R Cook

<body topmargin="0"> <h1 align="center">Realtor, Insurance & Retirement Advisor</h1> <p align="center"><b>You have different needs and priorities than others do. No one plan is perfect for everyone.<br> You don't want to waste your time, nor be offered anything you don't need.</b><br> <i> If your agent does not have the advice you seek, or if you don't have an agent and want to meet & see how I might help,<br> I have a  process, which takes only 15-minutes, that is designed to help you identify the areas of my advisory services that would benefit you the most.</i></p> <p align="center"><img border="0" src="images/GaryRCook.bmp" width="108" height="141" alt="Gary R Cook, Proprietor"><a href="http://interactive.web.insurance.ca.gov/webuser/Licw_Indv_Det$.STARTUP?Z_INDV_ID=885510&Z_IL_LIC_NBR=0E33723"><br> <font face="Arial Black" size="2">You are invited to call me for an appoinment: (626) 940-7422<br> I am an insured & Bonded, California-Licensed Insurance Agent #0e33723</font></a><font size="3"><a href="files/Gary_R_Cook_Dean's_List.pdf"><br> Dean's List 2010 - East Los Angeles College Real Estate School Graduate</a>, <i>3/9/2011 - Licensed by D.R.E. as Real Estate Sales Agent #01895459<br> <hr align="center"> <p align="center"><b><u><font size="3"> Licensed for sales of Fixed Interest or Indexed Annuities,<br> Long Term Care, Disability, Supplemental Health and Universal Life Insurance<a href="#I do NOT sell health insurance"><br> (I limit my sales to the companies of the products I want to provide in the health insurance industry)</a></font></u></b></p> <p align="center"><b>Depend upon us for: </b><a href="http://finsecurity.com/finsecurity/index.html?garycook&selection=businessstrategies"><b>Business Strategies</b></a> & <a href="http://finsecurity.com/finsecurity/index.html?garycook&selection=financialconcepts"><b>Financial Concepts</b></a></p> <hr align="center"> <p align="center"><b>Click for our Current Newsletters: <a href="files/GaryRCook_Business-March2011.pdf"><i>Business Needs</i></a> or <a href="files/GaryRCook_Charitable-March2011.pdf"><i>Charitable Planning</i></a> </b></p> <p align="center" style="line-height: 100%"><i> <a href="files/business_continuation_planning.htm">Click here for sample agreements & other files available for your business or personal use<br> </a></i><b>Business Protection Planning, Business Continuation Planning, Executive Benefit Planning,<br> Estate Planning, Charitable Planning, Charitable Annuity Trust</b><a href="files/business_continuation_planning.htm"><i><br> (Must be a client of our company in order to use these free sample agreements)</i></a></p> <p align="center"><i><font color="#0000FF"><b>(</b><a href="http://www.garyrcook.com/index2.htm"><b><span style="background-color: #CCFFFF">Links to guides available</span></b></a><b>)</b></font></i></p> <p align="center"><i><b>You may own a business, and are looking to make the most effective use of your pre-tax dollars.<br> You may have employees who depend upon you for advice.<br> As an individual, you want to invest your dollars for the maximum tax advantage.<br> Your business partner(s) and you may be deciding how one will buy out the others' family interests,<br> when one of the partners passes away. You may not have been able to ever invest a lump sum into a retirement plan.<br> In all of these situations, Gary R Cook can help!</b></i></p> <hr align="center"> <p align="center"><b><font size="4">If something were to happen to one of your key employees<br> What would happen to your business?<br> <br> Whether a key person leaves for a different position, is unable to work, or passes away,<br> the disruptive effect on your business can be the same.<br> <br> Key person insurance can be the foundation of a succession plan for your business.<br> By offering a death benefit - in some cases, a cash value account you can access in an emergency -<br> key person insurance can help make sure that, for your business, life will go on.</font></b></p> <p align="center"><b><font size="4" color="#008000"><i>For more information about key person or other life insurance, please call (626) 940-7422</i></font></b></p> <p align="center"><img border="0" src="images/BS02064_.gif" width="83" height="79"></p> <p align="center"><font size="4"><b>Annual Insurance Reviews for Individuals, Families & Businesses:<i> </i> </b></font><b> <i> <font size="4"> Building relationships that last a lifetime </font></i></b></p> <p align="center"><b><i><a href="files/services.htm">We work with the most financially stable, major life & annuity insurance carriers</a></i></b></p> <p align="center"><span style="background-color: #FFFF00"><font color="#FF0000"><b><a name="I do NOT sell health insurance">I do NOT sell health insurance</a>, because in my opinion, many of the Health Insurance Companies, like Anthem Blue Cross,according to news reports are RIPPING OFF the American Public, by jacking rates up around 80% in less than a year's period. There is no justification in my mind for these increases, except for the company's fear that national healthcare is coming and they better get their profits now, before they can no longer reap such outrageous profits. When one company raises rates like this, many others feel free to do so, putting healthcare insurance out of the reach of more and more consumers. If this isn't terrorism on a financial scale, I don't know what terrorism is. The fact is that these companies do not have to do more than justify their rate increases, as in California they are free to raise rates as they see fit, whether or not the raise is correct for any other reason than profits. In any other industry, prices are driven down by competition, not so the health insurance industry. (See articles below)</b></font></span></p> <span class="tl"> <p class="r" align="center"><em><a href="http://abcnews.go.com/WN/Politics/anthem-blue-cross-owner-wellpoint-fire-lawmakers-insurance/story?id=9931601">Anthem Blue Cross</a></em><a href="http://abcnews.go.com/WN/Politics/anthem-blue-cross-owner-wellpoint-fire-lawmakers-insurance/story?id=9931601"> and Owner WellPoint Under Fire by Lawmakers for <b>...<br> </b></a>Feb 24, 2010 ... Lawmakers Blast Anthem Blue Cross Executives for Insurance Rate Hikes ...<br> tough economic times even as the company gave executives hefty compensation and ... insurance company for putting profits ahead of health care and ...</p> </span> <p align="center"><span class="tl"><a class="l" onmousedown="return rwt(this,'','','','5','AFQjCNHOK0ESMz9mrzCuWqCL0eHGng8PrQ','iDbSwGtXy8KV46OFwEFjyA','0CEMQFjAE')" href="http://www.huffingtonpost.com/2010/02/24/waxman-anthem-blue-cross-_n_474804.html" kobi="5">Waxman: <em>Anthem Blue Cross</em> Spent $27M On 103 <em>Executive</em> Retreats<br> </a></span>Feb 24, 2010 ... WellPoint owns Anthem Blue Cross, which wants to raise rates on ... Braly said the company lost $10 million on individually insured ...<br> In Congressional Testimony, Health Insurance Executive Defends Higher Premiums ..... It's worse than making big salaries. It is legalized criminal activity ...</p> <p align="center"><span class="tl"><a class="l" onmousedown="return rwt(this,'','','','15','AFQjCNG-WvOWjHJw51f8gyXaEidxJ6qprQ','V0muqnuB9i9_KUhaxQ6Obg','0CDsQFjAEOAo')" href="http://www.californiahealthline.org/articles/2010/3/8/anthems-premium-hikes-helping-obama-reignite-push-for-health-reform.aspx" kobi="5">Anthem Premium Hikes Bolster Democratic Push for <em>Health</em> Care <b>...<br> </b></a></span>Mar 8, 2010 <b>...</b> <span class="ft">However, in February, news outlets began <em>reporting</em> on Anthem's plan to raise</span> <b>...</b> <span class="ft"><br> To stop the insurance <em>rip-off</em>, the government must be the</span> <b>...</b> The fact is that in <em>CA</em>, <em>health insurance</em> companies are allowed to raise their <b>... </b></p> <p align="center"><b><a href="http://en.wikipedia.org/wiki/Externality">EXTERNALITY OF COSTS</a></b><br>         In <a href="http://en.wikipedia.org/wiki/Economics">economics</a>, an <b>externality</b> (or transaction <b>spillover</b>) is a cost or benefit, not transmitted through prices<sup id="cite_ref-0" class="reference"><a href="#cite_note-0"><span>[</span>1<span>]</span></a></sup>, incurred by a party who did not agree to the action causing the cost or benefit. A benefit in this case is called a <b>positive externality</b> or <b>external benefit</b>, while a cost is called a <b>negative externality</b> or <b>external cost</b>.</p> <hr align="center"> <p align="center"><font size="4"><b>Call (626) 940-7422 in Rowland Heights, CA 91748 (On Appointment, I can travel to your home or office)<br> </b></font>(<font size="4"><b>California-licensed #0e33723 Serving San Gabriel Valley / Southeastern Los Angeles, <br> Southwestern San Bernardino, Western Riverside & Northern Orange Counties)</b></font></p> <p align="center"><font size="4"><a href="files/SBCUW_ReferenceLetter.pdf"><b>Letter of Reference</b></a></font></p> <p align="center"><font size="4"><b><i>Attorneys / Lawyers and Certified Public Accountants Wanted, by Our Company to Benefit one another's Clientele throughout California</i></b></font></p> <p align="center"><a href="http://www.homeup.org" target="_top" name="Housing Development Business Plan"><i><b><font size="3">This Insurance Business is a "Social Venture": Sponsoring the creation of Green Construction Jobs for<br> currently homeless youth and teaching them the values of financial planning, budgeting and building equity</font></b></i></a></p> <p align="center"><i><b><font size="3">Click the above link to learn more!</font></b></i></p> </body>