Workshop Reviews

"This renews enthusiasm about selling life insurance as a case option. " -- Roland Rusich – Baton Rouge, LA

"I understand universal life better than I ever have before. I am a visual person and the word pictures are helpful." -- Pat Conlee – Baton Rouge, LA

"I have been in this industry for 21 years and feel rejuvenated in approaching permanent life insurance as a point of discussion for many if all of my clients. " -- Joe Young – LA

"Patrick does a great job of teaching advisors how to effectively communicate the tremendous advantages of life insurance." -- Jason Inman – Baton Rouge, LA

"It reinforces what I know from over 26 years in the life insurance business. This is a system that can help keep the process simple for explaining the benefits of life insurance to prospects." -- Randolph Larson – LA

"Patrick’s workshop rekindled the fire in me to discuss permanent life insurance with my clients and prospects. Not only does Patrick give great information about life insurance but also some wonderful sales ideas." -- Jason Doise – Baton Rouge, LA

"In this business I believe you need to adapt, be willing to learn, and always be able to show the client the benefit! Not just the perceived benefit but all the benefits. Patrick does a great job of explaining how to show your clients in a simple manner, what living benefits of life insurance are. " -- Bryon Bennett – LA

"As a new agent this seminar/workshop has provided me the tools I believe will make me truly successful and self fulfilling." -- Mark Bagwell – Denham Springs, LA

"Patrick’s seminar provided numerous ideas that helped me identify current and prospective clients that would benefit from his book." -- Remi Brignac – LA

"I’ve been in this business over 30 years. I knew what you covered in my presentation but have forgotten to use it as a presenter. Using your book will be great. If I give this out I will make sure they read it. " -- Dan Sharp – LA

"This is one the best and most practical workshops I have ever attended. I have been in the business for 34 years and really don’t like most meetings. Patrick’s info is the exception as these concepts can take any producer to a new level of success." -- Grover Ranz – Springhill, LA

"I thought this workshop focused on the primary activities necessary for an agent to really be productive in the business. I would strongly recommend this workshop and the book to anyone interested in becoming a much more effective productive producer." -- Randall B. Richardson – Baton Rouge, LA

"Patrick, you’ve provided me a great new marketing opportunity. One I definitely need in these difficult economic times." -- Allen Horis – FL

"Patrick defines an insurance option which is probably the best plan available for a tax free retirement fund as well as a solid life insurance policy to protect your friends and clients." -- Craig Gardner – Palm Harbor, FL

"Patrick shows a great deal of enthusiasm and knowledge. I especially enjoyed his life presentation and plan to use it immediately in my practice to increase life sales and help people avoid taxes. Well worth the price of admission. " -- Kenneth T. Heiden – Venice, FL

"The best seminar I’ve attended in years. This strategy can totally open doors for both producers and clients." -- Jim Grant – FL

"I was very impressed how Patrick Kelly was able to teach on a level that was understandable as well as keeping the attention of myself and the audience for the whole day. No one even left the event to run out and go home. Everyone stayed. Incredible. Thank you Patrick- you have been a true inspiration." -- Lisa C. – FL

"Great Presentation! I found it inspiring and educational. I already bought 20 books. I’m ordering another 100." -- Rocco Bucci – Palm Harbor, FL

"The workshop was worth a lot more than the financial and time investment I made. This workshop is a must for anyone in the financial and insurance business. I am very excited about what Patrick Kelly’s book and presentations are going to do for my business." -- Debra Heffner – Brandon, FL

"I have been in the business 22 years and definitely have new ideas on how to approach new and old clients." -- Matt Wichman – Tampa, FL

"Your workshop has remotivated me to get out there and work this harder. I have 4 books I’m committing to hand out within the next 48 hours. Thank you so much!" -- Brenda Holland – Plant City, FL

"I have read the book, ordered many and had great benefit to my business. The seminar was awesome! Learned even more to expand even more. I am excited to experience the next 12 months. Thank you Patrick!" -- Paula Duncan – Valrico, FL

"All levels of insurance sales people and investment advisors should attend this workshop so that they can properly show their clients the right way to build a retirement plan." -- Frank D. Menendez – Tampa, FL

"This awesome eye opener seminar was riveting and kept me on the edge of my seat all day. Patrick Kelly is very knowledgeable and expert in the delivery of his subject. I can’t wait for his book to show up so I can get to work. " -- David Braihauer – LC High Acres, FL

"Patrick, I have 12 years experience in the financial services industry. By far this was the most powerful and immediately applicable seminar I have ever been to. I will update you on my imminent increase in production. It is a no brainer." -- Vincent Erb – FL

"Thank you Patrick! Your workshop was an idea dense environment with a variety of real world applications. I had 11 agents in attendance that you have ignited to immediately implement your ideas." -- Robert C. Brotherter – Brandon, FL

"This was life changing, exceptional. My future is so bright I have to wear shades. My clients are going to be so blessed." -- Susan Lawson – Lakeland, FL

"This workshop heightened my zeal to contact my book of business. I have already made 2 appointments with physician’s potential clients. One read the book and called me. Please feel free to use my name, positive workshop. I would go to one again and again." -- Dr. D. Michael Michael – Tampa, FL

"So informative, that I know that my life is going to change for the better, happiness, sharing the concept with others and helping them, financially for myself. Ready to run! Thanks Patrick for the best information I have ever heard. My future is so bright, I have to wear shades!" -- Donna Bryan – Brandon, FL

"This workshop was so informative and taught in a way that never lost my interest. Being new to the insurance business this was very helpful. I look forward to writing to you soon to tell my success story. Thanks- you were great." -- Bev Jordan – Bradenton, FL

"I was reluctant to come today. I wasn’t sure if it would be worthy my time + $100. But Vince made me. I am so glad I made it. I can't believe how much I would have missed. You are a very good presenter and held my attention very well. Very impressive. Great concepts very motivating. Great analogies." -- Kris Giroux – Tampa, FL

"I have been in business for 21 years. This is the most simple, exciting seminar and sales system that I have ever participated in or attended." -- Fiore Setrase – FL

"Outstanding. Information that can be implemented tomorrow to make money for the producer and change the financial lives of our friends, family, and clients." -- David Ipock – Kingston, b.c

"Before today’s workshop- annuity’s were my focus; if a life opportunity presented itself- then I’ll do it. Because of this workshop and how well and user friendly the client presentation was shown; my target product will now consist of IUL’s. Thanks!" -- Renee Ezzall – AZ

"I am so excited to get back to the office and get to work. Patrick has recharged my practice. It was the best!" -- Carla Chostand – Rogers, AR

"I was pleasantly surprised at the content and flow of the workshop. I could barely keep up with notes because I kept thinking of clients and prospects that I need to give this book to and I haven’t even read it yet. I know what I’m doing the next few days. I’m reading Patrick’s book and revamping my marketing plan." -- Melissa L. George – Snellville, GA

"Patrick’s workshop gave me the ability to implement a great new plan and concept, which is easy to understand that I will be able to show to a brand new target market of clients 50 and under. Thank you and God bless." -- Derek L. Gregoire – Plymouth, MA

"I am already a life producer for past three years. After I attended Mr. Kelly’s seminar. Learned so much more how to help more people. Thank you!" -- Yan Zhang – Norcross, GA

"Patrick is a great speaker with a concept that cannot be beat in the financial arena. Have him come talk about implementing these strategies is what pulled this concept together for me. It is truly something I would recommend to any financial professional. " -- Keith Ellis – Plymouth, MA

"Great information! Good way to utilize life products. I am a new fan of permanent insurance. " -- Jake Ashton – MA

"This was indeed an excellent workshop on a tax-free retirement concept, using life insurance. I plan on implementing this concept immediately in order to grow my practice and to be a valuable resource to my clients." -- Nick Copen – NC

"Never having penetrated the larger life cases, I know I have the basic tools needed to open an intelligent discussion with a prospect on how to enjoy a tax-free retirement." -- Dwight Mejan – Pinehurst, NC

"This workshop is one of the best I have attended. I learned a lot from Patrick as he simplified insurance and gave me a great track to run on. " -- Natasha Fabien – Ellenwood, GA

"This is a great workshop to learn new strategies in marketing tax-free retirement and also talking with skilled/knowledgeable people who have been using this strategy in the business practices and have been successful." -- Chase Ravster – Castle Rock, CO

"The workshop was able to conceptually create additional opportunities to high income and business owners " -- Steve Fagiano – Watkinsville, GA

"This workshop was very informative, interesting, and fun. " -- Henmutab, TN – Ray Presley

"I can use this info to expand my business practice to more clients this increase my income. " -- Eric Faiver – Haslett, MI

"Patrick is an excellent presenter with exceptional knowledge of his subject matter which he delivers with humor and enthusiasm. " -- Danny McFarlin – MI

"This workshop is a real market booster to not only increase sales but to recognize marketing opportunities. I expect to increase my sales 500%. Time very well spent." -- Don Walker – Rockwall, TX

"You have helped me through the hardest part of my career-prospecting. Now they call me!" -- Doug Gills – Escondido, CA

"Outstanding, straight-forward presentation that is applicable to so many prospects. I expect to multiply my production many fold." -- Bob Swango – Dallas, TX

"I have been in the business for 18 years … this is right at the top of the best session I have ever attended." -- Preston Davis – El Segundo, CA

"I feel like I’m just starting my career in insurance -- a brand new beginning! I’ve been selling insurance almost 20 years, successfully, and felt like I had already surpassed all I could possibly achieve, but now I see there is so much more can achieve! I’m thrilled!" -- Stacey Parnum – Stevenson Ranch, CA

"What a powerful workshop! Definitely try to read the book before you come. The book lays the conceptual foundation, while the workshop provides the strategies, the scripts, and the presentation approaches to provide your clients all they need to make a positive impact in their lives." -- Steve Bailey – Fontana, CA

"Patrick Kelly has a masterful approach to a powerful concept that the world needs to hear." -- Lori Hopkins – Custer, MA

"I have been in the business for 36 years. This is the first time I am now able to explain to a client how the tax-free withdrawals work and still be able to keep it simple." -- Allan Dowdy – FL

"Patrick has an insight into tax-free retirement that I have never seen presented by anyone else." -- Ronald Fox – Bluffton, IN

"I have been in the financial services industry for 17 years and have heard about using insurance to provide tax-free retirement, but have never heard it presented so clearly and in as entertaining a way Patrick did today. Definitely time well spent!" -- Art Livingston – FL

"Patrick’s workshop provided me MORE exciting, immediately usable sales ideas than any I have ever received. This is amazing after years and years of MDRT annual meetings and company presidents clubs." -- Jack Chamion – FL

"I have been in the financial services industry for nearly 40 years and I’ve been to countless workshops and seminars as well as conducting workshop and training agents. I can honestly say that Patrick has created such a fresh approach to simply explaining a difficult concept-that I feel there will be a new “revolution” in life sales and a reason to want to own a permanent “overfunded” policy." -- Gene Baldwin – Atlanta, GA

"This is the info and presentation that I have been waiting for. After four years in the business this is best workshop hands down. The sales presentation is so simple and the power of its concepts are light years ahead of anything I have ever seen." -- Kevin Murray – Jacksonville, FL

"I highly recommend Patrick’s workshop to any agent, no matter how long you have been in the business. We are guilty of over complicating our business. Patrick showed us how easy it can really be. " -- David Taylor – TX

"This seminar should be “required” training for any new agent. Helps with learning a non-threatening sales presentation and become a true consultant." -- Victor Angustia – Dallas, TX

"This seminar is more beneficial than any I’ve attended. The practical way that the seminar is laid out makes the concepts understandable. I fully expect to set a goal of passing out 100 books over next 4 months. Patrick is brilliant and knows his stuff." -- Dirk Adams – Long Beach, CA

"A must attend workshop! Great simple concepts easily transferrable to your client. Gives the agent the right track to do the right thing for his or her clients." -- Tommy Morgon – TX

"Outstanding presentation. You put new life into a stale product category. I can’t wait to revive my career. Great recruiting tool." -- Richard Donoff – GA

"They say you can’t teach an old dog new tricks. However, I am a senior insurance agent and I learned more sales techniques in a few hours than I learned in the last six sales seminars. Patrick Kelly presented a sales approach that I will put to use immediately in this tough market. I needed a new approach. I got it today!" -- Savel Savota – Miami Beach, FL

"As a lawyer and financial planner I thought and do have many great concepts for my clients but I will now look at retirement planning and discuss it with my clients in a whole different light. What a fantastic workshop!" -- Doug Moe – IL

"I believe Patrick Kelly has a passion which fuels his mission. It all comes down to being a giver. This is the perfect vehicle to offer to the masses. We all know the government won’t do it. The book and the workshop have literally been a turning point in my life. " -- Richard P. Ponmingtor – GA

"This book has already helped close two cases totaling $14K in Premium. I read the book for the 1st time one week ago." -- Jim Lanier – Cumming, GA

"Outstanding! Patrick has the very unique ability to explain difficult financial concepts in a simple manner that anyone can understand. His book, Tax-Free Retirement is a “must” read! I want every one of my clients to read the book. The first three copies are going to my kids!" -- David J. Graham – Sun City, AZ

"I have been in the industry 15 years. I was blown away with the simplicity of these powerful concepts/strategies Patrick presented. I know with us emulating his strategies it will turbo charge our firms production." -- Jeff Huggins – Cumming, GA

"Patrick Kelly presents complex concepts and ideas in real-world, easy to comprehend terms. As a 20+ year life agent I’ve seen and heard much of this information from other people in much more complex forms; however, never have I seen it in a from more usable and presentable to prospects." -- Bill Odom – Cape Girardean, MO

"One of the concepts revealed (sale of business) was absolutely the best new sales concept that I’ve hears in ten years!" -- Mark Orr – Alpharette, GA

"I have had my insurance license for a little over a year and this is the first training that has shown me how to sell the concepts of insurance." -- James Clerfleet – Marim, IN

"I have been in the business for almost 40 years and now have all the tools necessary to properly educate perspective clients into action. I wish I had this book 40 years ago!" -- Gene Baldwin – Lawrenceville, GA

"Patrick’s grasp of the concept of tax-free retirement is invaluable to people that have any plans to retire. These ideas are the wave of the future to help Americans be able to afford the lifestyle they would like to live in retirement. I recommend everyone to read his book." -- David Mahoney – Addison, TX

"I have been in this business for over 40 years, majored in insurance in college, owned my our life company, own my own agency, in other words always feel like “been there, done that.” I must say this workshop, that focuses on simplicity, has opened my eyes to something I believe will give all other agents and their clients a better financial future. " -- John Bonnet – TX

"This information is very valuable. Your concepts presented in a simple and concise manner can do much for agents, yet even more for our clients and potential clients. " -- Brian Cerventa – Sugarland, TX

"What a huge wake up call to millions of Americans who are funding uncle Sam’s bank account with THEIR hard earned retirement savings. I am on a mission to help as many people as I can to diffuse this ticking tax bomb. " -- Wallace Bennett – Mansfield, TX

"This has been a great experience. Work this industry part time. Look forward to go full time. This looks like the trick. Thank you for the information most trainers wont tell you. " -- Merle Edward Carr – Anaheim, CA

"I was blown away not only by the simplicity of the workshop but the powerful technique that will increase my permanent life sales. Very impressed and recommend it to novice and experienced agent!" -- Travis Fratin – San Diego, CA

"I was blown away not only by the simplicity of the workshop but the powerful technique that will increase my permanent life sales. Very impressed and recommend it to novice and experienced agent!" -- Travis Fratin – San Diego, CA

"I cannot believe someone can simplify the explanation of this concept at the layman’s level. This takes the load off the insurance agent in educating clients about their financial future and portfolio. I’m very thankful for your methodical mind and for sharing the information with us. " -- Laura Opelanio – Chula Vista, CA

"Patrick Kelly’s most effective contribution to seminar attendees is not limited only to his extensive knowledge of his industry. He soars past the competition by modeling sales presentation complete with the emphasis on not only the product -- but the person. He simply explains how you can use certain products to achieve what every agent should strive to do -- the right thing for the client. Thanks for sharing your time and knowledge. I learned a lot today and look forward to implementing these strategies. " -- Jim Shefur – Castaic, CA

"This workshop opened my eyes to the power of life insurance. I’ve been in business ten years, but my background was in wire house with securities focus. Therefore I’d never been taught the use of life insurance beyond basic death benefit. Thank you for sharing this knowledge that empowers me to help my clients and their families." -- Marilin Lucea – Beverly Hills, CA

"This was a breath of fresh air in the endless sea of information that I have read over the last six months." -- Gerard Harrigan – FL

"If you normally hate workshops (like me!) then you NEED to go, because this one is awesome. I know it will benefit my clients and their families." -- Stan Haithcock – Ponte Vedre Bch.,FL

"Patrick is an excellent speaker, has a keen ability in presenting his material, and I learned concepts that will enable me to increase my annual revenue and empower my presentation skills." -- Carlo Fredrick Jr. – FL

"This is an excellent workshop for people who are just beginning their career in the industry. I found this to be a refreshing review of precious information and marketing tips." -- Carl Fletcher – Jacksonville, FL

"Patrick did a great job of simplifying life insurance and presented some creative and profitable marketing plans. I loved his enthusiasm which helped to get me excited and re-focused on the life insurance market place. " -- Rick Stonebroake – FL

"One of the best workshops I have been to. So simple that it’s scary. Can’t wait to get home and try out these concepts. Could have spent another day listening to Patrick’s stories and ideas." -- Dennis Bird – Lineola, IL

"This is by far one of the most informative and beneficial workshops that I’ve attended. It will expand your horizon and arm you with the tools you need to assist your prospects with making an informed decision." -- Hezekiah A. Tate – CA

"After 30 years plus in the investment industries this is-without a doubt-the finest workshop ever attended-ever! This puts a whole new “spark” in the business." -- Michael E. Thompson – CA

"If you would have told me that I would be sitting through a 6 hour seminar without falling asleep I’d call you a liar. But this seminar pulled me in early and kept me interested the whole time. I believe if you listen and implement what you learn the possibilities and endless." -- Marcus Gogees – Freemont, CA

"If this is your profession and you take it seriously, then Patrick’s workshop is a “must attend.” Whether you’re a seasoned agent or new to the insurance industry, Patrick’s workshop will help you increase your personal production or jump-start your career immediately. Thanks for the opportunity to witness it." -- Ed Guanill – CA

"I have used these strategies for several years, and have done well. This is the best presentation on the strategies I have seen; I will double my production with this system." -- Sean Mason – CA

"After listening to Patrick I am totally excited about getting back into the life insurance business and helping my clients have a more profitable financial future." -- Diana Borroel – Elk Grove, CA

"If you ever buy another book of any kind, buy Tax-Free Retirement by Patrick Kelly." -- Phil Fesonire – Santa Rosa, CA

"I have been selling I.U.L for 5 years. Listening to and learning your techniques will definitely triple my income." -- Roy Garcia – Northridge, CA

"If you ever buy another book of any kind, buy Tax-Free Retirement by Patrick Kelly." -- Phil Fesonire – Santa Rosa, CA

"This program has given me incredible insight into helping my clients and their families. I have a renewed enthusiasm and this information will change many lives." -- Rich Manietta – Naperville, IL

"Even before I attended Patrick’s workshop his ideas helped me to write more business. But attending the workshop really expanded my vision and seeing his presentation first hand " -- Denver Nowicz – Scottsdale, AZ

"Patrick Kelly is so relatable to the average person and is a great teacher. I recommend this workshop to everyone. It’s a must do." -- Mike Kibler – DeRidder, LA

"One of the best prospecting tools I know of. Have 25 years in our business. This is the best most powerful prospecting tool I have ever had." -- Jamie McGarry – Atlanta, GA

"I have several years experience in the financial sector, but I’ve only been selling life insurance products for one and a half years. This workshop was exactly what I needed. A simple yet intelligent presentation of the enormous advantages of permanent life insurance. No more trial error for me. Thanks Patrick!" -- Michael S. McDowell – Johns Creek, GA

"Today’s workshop refreshed several concepts I had forgotten, and provided me with new knowledge I can take home and use immediately. I got far more than my money’s worth! (and that’s saying a lot after 37 years in the industry!)" -- Kris B. Lloyd, Sr. – GA

"The problem with most agents is not lack of product knowledge but the lack of ways to market. I believe that Patrick gives several marketing ideas that will benefit 99% of life insurance agents immediately upon implementation. I would recommend his seminar to anyone desiring to be in front of more people starting immediately." -- John Stewart – Woodstock, GA

"I read the book Tax-Free Retirement and it really opened my eyes. The workshop has taken me that much farther. It really brought the concepts to life and provided the verbiage to use in sales presentations. I am so excited to review my notes tonight and get things moving tomorrow. I have 2 books out to potential clients- look forward to getting more in circulation quickly." -- Anika Moore – Atlanta, GA

"If I just reposition part of my day to these concepts, this will be my best year ever! From this seminar I adore how you get knowledge + sales language + application. Not, just the facts. This sales language is unique and not overused." -- Ellen B. Pullen – Cumming, GA

"The information in this seminar is available elsewhere, but nowhere is all of the information presented today, available in a concise, simplified manner as it was here. The presenter has put together a sales process to accompany the book that is fool-proof and in this industry that is a great achievement. Thank you for the great work." -- Will Curray – Deleware

"Patrick thank you for doing the work of writing tax-free retirement. Your concepts are in alignment with my understanding of how money works. Very helpful and informative. You are a genius man!" -- Amy M. Sheckley – VA

"This workshop is a MUST for everyone in the life insurance business to better serve their clients" -- Sonates Kutsortis – VA

"I have been an agent for 15 years. I have a huge team and I do not go on appointment anymore but after the seminar I am so excited that I ordered 100 books and I want to get back in the field and help more clients." -- Douglas Eze – Lanham, MD

"Patrick, your workshop was excellent and I’m glad I read your book before. The system you teach is going to be instrumental for my business. " -- Jorge Enderica – VA

"I have been in the business 26 years. This has been the most useful and easily implemented training I have ever seen. My sincere congrats and thanks to you!" -- Bob Segal – Burke, VA

"The session was incredible. It’s so understandable, easy to apply, and makes it a step by step process to success in life insurance. Makes me feel more and more confident and proud to be in the life insurance industry and help families." -- Omar Ibrahim – Alexandria, VA

"I have been in the financial industry for 10 years, have acquired a lot of knowledge that I have shared with my clients and this book has totally confirmed and re-enforced these solutions. It’s the clearest and simplest explanation of tax-free retirement I have ever seen." -- Delroy Walker – MA

"I would recommend this book and workshop to any agent who is serious about helping their clients in the best possible way. This is a way to increase your business and help others in a huge way." -- David Pulliem – Alexandria, VA

"After having been in the business for 15+ years and attending many workshops, conventions, and trainings, I have never seen a more powerful, simple presentation to share these powerful concepts with clients. Keep up the great education. There is a big need for it in America today!" -- Charles Pettit – VA

"If you have a serious desire to help people save money in the most tax-favored way possible, you must read Patrick’s book!" -- Kevin Jenks – Nashville, TN

"I’ve been in the industry for years and never had a way to translate my belief of permanent insurance in a way that the customer could understand-this does it." -- Jerry Miller – Salem, OR

"I was not sure I really wanted to come today. I was thinking that it could be a wasted day. I was wrong! I would, and will, recommend your book and your very informational seminar to anyone that will listen." -- Cathie Arthurs – Lynwood, WA

"I was very hesitant to come to the meeting because I thought it would be a sales pitch to buy his books. I was wrong. I’m so excited to use his concepts and help customers understand how life insurance has a lot of benefits to offer them. I recommend that all financial reps go through this workshop." -- Liz Smith – Portland, OR

"Fantastic workshop! Many profit-generating ideas were presented in an easy-to-learn fashion. Patrick is a dynamic speaker who speaks from experience. I highly recommend his seminar." -- Don Lyttle – Roseville, CA

"After 30 years plus in the investment industries this is-without a doubt-the finest workshop ever attended-ever! This puts a whole new “spark” in the business. " -- Michael E. Thompson – CA

"If you would have told me that I would be sitting through a 6 hour seminar without falling asleep I’d call you a liar. But this seminar pulled me in early and kept me interested the whole time. I believe if you listen and implement what you learn the possibilities and endless." -- Marcus Gogees – Freemont, CA

"If this is your profession and you take it seriously, then Patrick’s workshop is a “must attend.” Whether you’re a seasoned agent or new to the insurance industry, Patrick’s workshop will help you increase your personal production or jump-start your career immediately. Thanks for the opportunity to witness it." -- Ed Guanill – CA

"I have used these strategies for several years, and have done well. This is the best presentation on the strategies I have seen; I will double my production with this system." -- Sean Mason – CA

"After listening to Patrick I am totally excited about getting back into the life insurance business and helping my clients have a more profitable financial future." -- Diana Borroel – Elk Grove, CA

"As mentioned earlier, I am switching careers as a result of this amazing concept. Look forward to an exciting career." -- Brett Rodarte – Sacramento, CA

"Patrick has successfully crystallized what is typically a complex, complicated and misunderstood concepts into a streamlined, no-nonsense approach that can readily be understood by most. Thank you Patrick." -- Lois Abbot – Sonoma, CA

"Boy was I surprised! Usually workshops of this type are one long sales presentation for the big pitch at the end of the day. Patrick packed the workshop with lots of great tools and ideas that can be put to use immediately...with or without his book!" -- John Murray – Sonoma, CA

"I was skeptical of permanent life insurance before and I resisted to offer it my clients-mainly because I was not confident in how to present the concept. After hearing Patrick give a clear and duplicatable approach to presenting the living benefits of life insurance. I am excited and anxious to get back in front of my clients. I look forward to the success these concepts will bring-not only for my agency but for my clients’ financial futures." -- Brian Schneider – CA

"The workshop was great. Patrick is an energized, engaging speaker that makes the most complex concepts understandable and most importantly usable." -- Thomas Kobatashi – Fremont, CA

"After reading Patrick’s book I left an 18 year career and a 6 figure salary to sell these concepts and strategies to the market place. I can’t wait to start my new career." -- David Godinho – El Dorado Hills, CA

"This workshop is unreal if a person wants to explode their business in a positive way." -- Earl Santy – CA

"I have been selling insurance since 1983 and this is the best workshop on selling ideas I have ever attended." -- Gene P. Johnson – Riv. CA

"Great workshop! After 22 successful years in the life insurance industry, this was a welcome breath of fresh air in times when there isn’t too much good news! I am confident that my sales will increase dramatically and soon! Great value for “the admission fee.”" -- Steve Kidd – SC

"Patrick Kelly exposes a little known secret about how to use universal life to create a stream of wealth that cannot be matched by any investment product. This should be taught in high school math classes!" -- Stacy Boyle – Redlands, CA

"After more than 40 years in the business I’ve never heard such a simple, well understood presentation as Patrick’s seminar. From his stories you can tell he’s been in the trenches to learn this on a first hand basis. " -- Thomas DeGraffenried – NC

"The absolute beset seminar I have attended in my 10 yrs. in the industry." -- David Penny – Raleigh, NC

"This is certainly the most exciting financial concept that I have encountered-both personally and professionally. My wife and I are implementing this concept for ourselves and our sons and sharing it with friends and colleagues. Patrick’s book provides a positive financial future to those who read it in the midst of a bleak financial market. Patrick provides invaluable concepts, easy to use and exciting to share. Great job Patrick!" -- Keith Barron – SC

"I have not been this excited about a product I’ve been able to offer! I’ve been an agent since 1994 and never knew how powerful life insurance could be. I read this book this week, and I’m ready to share these powerful concepts with almost everyone." -- Laura Barron – SC

"I have been seeking a “plug and play” concept based template about life insurance for years. As a top producer I now have a way to at least double my premium. Thanks Patrick" -- Patrick Munroe – NC

"Tom pitched a winner for this workshop. Patrick is all about “Go Give.” I will never be able to pay Patrick back for the benefit and seminar here today. " -- Ron Fields – NY

"The workshop simplified the sales process, provided a system and explained how to market very powerful solutions. It is more than I expected and I am looking forward to putting them all into play." -- Jerry Rogers – N Charleston, SC

"Well done. The workshop was great. The best workshop for life insurance I’ve ever been to in my 16yrs in the business. If you want to make wheel barrels of life premium you must attend! " -- Braxton S. Oliver II – New Bern, N.C

"I came to the workshop with high expectations. Patrick Kelly has the unique ability to make the presentation easy to understand while not ignoring essential details. Everyone is interested in avoiding taxes whenever possible. Patrick shows that this is not only attainable, but within reach of most people regardless of their current financial circumstances. Agents owe it to their clients to learn and apply these concepts. Thanks Patrick." -- Alfred Lawson – CA

"I have been in the life insurance business for more than 40 years. This workshop has far receded my expectations. I know hundreds of insurance agents who do not understand this exciting concept! Great Concepts." -- Jim Fitzatrick Sr. – Hilton Hood, SC

"I learned more about life insurance from this workshop than any other workshop ever. I would highly recommend this to my peers." -- Beverly Mark – Modesto, CA

"Patrick has an answer to every question. Great knowledge on the topic." -- Sam Loh – CA

"This was one of the most useful workshops I have ever attended in 39 years in the business. Gave me an easy, concise plan to implement immediately upon going home." -- John M. Peplowski – CA

"I used a process similar to this when I first started in the insurance business 25 years ago-it worked so well I discontinued in favor of newer processes that really haven’t worked. The workshop has inspired me to relearn the process. Excellent workshop." -- Roger R. Perez – Merced, CA

"This was probably the best, most productive 6 hours I have spent for my profession in several years. I will use this day-in and day-out in my practice going forward. " -- Dana Iverson – CA

"I’ve been in the financial services industry for 15 years. I’ve been to a ton of workshops and presentations and have spent thousands of dollars on education materials. This is the first time I’ve seen the presenter give specific language to use tomorrow with clients " -- Tonya Mathison – CA

"This strategy is the ultimate way of working smarter! It also shows how a person can live an upper class retirement lifestyle on a middle class budget." -- Heath Lemunds – Addison, TX

"Patrick is a great speaker, full of great information, even for someone new to insurance like myself. I would recommend young or old to take the workshop. " -- Austin Blair – Dallas, TX

"This was fantastic for relative new insurance guy. Loved every minute of it. You provide a number of ways to get a prospect interested -- ways that are real and profitable to them. " -- Ronald J. Case – TX

"Patrick, thanks for the great seminar! I found the information to be of great value and am sure it will pay off many times over." -- Bryan Morris – Dallas, TX

"This workshop gives us the tools needed to clearly explain to the average client, exactly how they can improve their financial standing. It gives us a direct path to help those that have been lead down the “taxable road.”" -- Michael Harness – Garden Grove, CA

"Patrick, I enjoyed the workshop very much and feel that I can help dozens of clients. I currently have and many prospects that have not taken action in the past. This material will provide the inertia needed to help people make the best decisions for their family, decisions they might not make without the allure of tax-free income down the road. Coupled with the book, I feel sufficiently armed to bring this powerful story to a wide variety of prospects." -- Jeffrey Morrison – Cupertimo, CA

"I have leaned tax-free money growth from day one of my career. You just validate it with a book-to introduce to my clients. I already talked about it, but not all of my clients understood it. Your process will assure me more referrals. Thank you. " -- Yoko Sera – Orange, CA

"As a CFP who came into the business from the brokerage side and does money-management but not much insurance, I can appreciate ever more the value of doing insurance, particularly us. This workshop is going to propel me into doing much more of this business." -- Brian Mark – Pasadena, CA

"Patrick did an excellent job presenting the concepts of his book in this workshop. I highly recommend this to anyone in the business regardless of their length of time in the business. This is a marvelous tool to help people with their retirement plan. I plan on putting these concepts to work this week to help my clients’ retirement plans. Thank you so much for your time today." -- Chris Egan – CA

"At last- a method I can use that is non-threatening to my potential client to explain how to have a tax-free retirement." -- Glenn Mitchell – Gardena, CA

"This is the most simple way to explain a completely simple concept." -- Tony Viola – Riverside, CA

"Patrick Kelly’s reasonable, informed, and relatable seminar opened my eyes to my need to get back to the basics and re-visit fundamentals after 6 years in life insurance. I have been trying to market this concept for years and have over-complicated it and not been sure how to start conversations. Now, I am excited to talk to people and share this concept with them that is so simply delivered in Tax-Free Retirement." -- Stacy Segal Newland – Huntington Beach, CA

"As a company we have taught our agents these concepts, but the workshop is coming from someone other than us -- “The expert from afar.” The book also effectively provides a 3rd party reference source to counteract the negative press." -- Jeff Stemler – San Diego, CA

"Patrick is a very accessible and understandable presenter. I got useful information that I can put into practice right away. " -- Liz Schiller – Glendale, CA

"Patrick seems to be a very knowledgeable. I’m so happy that I attended. I’ll recommend it to any of my peers." -- Hada Portillo – Rancho Cucamonga, CA

"As a comprehensive financial planner, it is refreshing to have simple concepts that are powerful and relevant … especially today. Tax-free retirement income is a definite need. Patrick presents a great process to help more clients enjoy their lives." -- Patrick Selway – TX

"Patrick has taken life insurance and packaged it to benefit a large portion of the business community. Thanks for your wisdom in putting this information together for people like us!" -- Lisa Grosskopf – Glendale, CA

"The workshop was great at expanding and fleshing out in detail information that I had a basic understanding of but which had some limitations. It also gave me excellent ideas for entries with clients-the basis of creating more business. Patrick’s delivery style is understandable comprehensive and successful. " -- Sally Wellis – Valencia, CA

"Being familiar with this concept already-just having it in a book format comes across more proficient to show professionals or people just on the edge of a decision that this is a real way of using the tax laws to your advantage. And explaining life insurance in more depth." -- Marlin L. Smith – Fullerton, CA

"I have been in the industry for 12 years and this book is the first that I have read that simply and clearly explains to prospective clients how to have tax-free retirement income. My confidence is now at its highest level ever." -- George Henderson – Avondale, AZ

"After 40 years in this business, I’ve attended countless sales presentations. Patrick’s selling concepts were very simple and practical. We’ll give his book and presentations right away with our clients and prospects to increase the amount of permanent life insurance premium that we write." -- Don W. Ames – TX

"I was not sure that the seminar would be of value to me but after the full session I am excited about the opportunities to expand my market. " -- Neil Resnik – TX

"I feel this has reinforced my beliefs in the power of permanent life insurance and the tax advantages that will be very important in our future tax environment." -- Douglas Stewart – TX

"Workshop was great! I am going to use this book not only for my personal business but also for new recruits. I am interviewing to hire into the business." -- Jeff Ruen – TX

"Excellent workshop. Topic is timely given today’s financial environment. Great benefit to people you care about." -- Brian Smith – Austin, TX

"I was hesitant to enroll in this class because I thought it was going to be to complicated with tax laws etc. It was the best seminar I have attended and everything was made very simplified for me to explain to clients in easy terminology." -- Rose Garcia – TX

"The seminar was terrific. I will make many more sales by keeping it simple so my clients can understand the concepts. Giving the book will allow them to get comfortable with these new ideas and support what I am saying from an independent source. " -- Victor Hazy – Gainesville, FL

"Patrick Kelly’s tax-free retirement workshop has opened my eyes, enriched my business and will quite probably enrich the lives my clients." -- Nathan Ebuanbar – Jacksonville, FL

"Patrick Kelly’s tax-free retirement workshop has opened my eyes, enriched my business and will quite probably enrich the lives my clients." -- Nick Riscigno – Jacksonville, FL

"I wasn’t sure how this was going to apply to me as a financial advisor that doesn’t actively pursue life insurance business. However, there is some great information here that will apply to existing clients. This information will be useful and is a nice addition to my toolbox for solving tax issues. My clients will really appreciate this information." -- Nick Riscigno – Jacksonville, FL

"Finally a simple way to explain to the public the values that life insurance provides in this form of a tax-free retirement income!" -- Til Sandon – FL

"Very clear and concise presentation. A lot of ideas and concepts on life insurance explained in a simple way that I can replicate. Focused on the important points to communicate in a sale to a client." -- Rick Stahl – Riverview, FL

"What was great for me about his workshop is: plenty of information and knowledge about the product but what will really help me in my new career in insurance is the “how to sell” and “what to say” aspect of the workshop. I can fully hit the ground running with some great scripts you gave us today. I really enjoyed the day." -- Jackie Moore – Orlando, FL

"This was probably one of the most interesting and enlightening educational seminars I’ve attended. Patrick explained these concepts in such simple terms. Cannot wait to apply this knowledge in the marketplace." -- Paul Alleveben – North Port, FL

"Mr. Kelly has a great way of getting the point across without boring you to tears! I am very excited and can’t wait to use this strategy in the workforce. Thank you!" -- Kari Castleman – Jacksonville, FL

"The seminar jump-starts any business for the 2nd half of 2009. It’s been exactly what I needed at the exact time I needed it. Thank you Patrick!" -- Linda Regan – Ocala, FL

"Revolutionized my thinking regarding the use of life insurance for retirement planning! Simple, down to earth, and easy to implement!" -- Bob Semisch – Atlanta, GA

"I had my fist golf tournament yesterday. I had 12 potential clients-guests request a copy of the book." -- Robert Fordham – Snellville, GA

"I have been selling life insurance and investments for 24 years. Patrick’s workshop made everything simple and clear. It’s about concepts, not products. I suspect I will increase my income by a minimum of 50K per year. Thank you Patrick." -- Mike William – Woodbridge VA

"Awesome Material! Patrick keeps it simple! Great knowledge." -- Ed Globe – Bloomfield Hills, MI

"No matter what experience you have in this business, you should be able to use Patrick’s strategies and ideas." -- Clinton J. Powell – Pleasanton, TX

"I would give this book to anyone who needs a way to create income as a professional insurance agent and for so many people in this country who have no idea what the future holds in the retirement, and if they do they don’t have a clue for an answer. And now we have a way to help so many people." -- John Wilson III – Cane Ridge, TN

"After being in the financial services industry for 25+ years, Patrick Kelly is a real eye opener. His illustrations are down to earth and in 6th grade language. That’s how folks need to hear and see it." -- Ron Bedford – Kingsport, TN

"Clear explanation of info that are not taught in the industry. Even after 38 years, it is a real eye opener with concepts that can supercharge your business." -- Russ Caferio – Willowbrook, IL

"Great format for communicating the concept for something that seems so complicated. Broken down into an easy read that everyone can understand." -- Megan Avery – Cutherville, MD

"Patrick’s story should be told to every person. If they will read the book they will be well introduced toward being “in-control” of their financial future and their family will be more secure under any circumstance." -- John Moris – Cumming, GA

"This workshop was time very well spent. Would recommend anybody in the financial services industry to attend one of Patrick’s workshops." -- Brock Alspaugh – Cape Cirardean, MO

"This workshop is a great opportunity to focus in the value of our industry and provide solutions to our clients that no one else can provide." -- Jeff Kelly – Dublin, OH

"Patrick Kelly is so relatable to the average person and is a great teacher. I recommend this workshop to everyone. It’s a must do." -- Mike K DeRidder, – LA

"I have been in this business for 29 years and am well aware of this concept. This was the best, mot detailed presentation I have ever seen. " -- Jimmy Holland – GA

"The believability factor that you exude will only enhance my enthusiasm as I begin my journey with this concept!" -- Kenny Whitaker – Smyrna, GA

"Very informative. This is information is not new to me, but I never could get anyone to believe that I knew what I was talking about. This book and workshop has broadened my knowledge base and given me more marketing ideas. I’ve learned more concepts, and learned concepts that I did know existed. I plan to make this my “core” market." -- Gale Lawrence – Lowst Grove, GA

"This workshop cleared out the cob webs and gave me several avenues to increase my business and go back to existing clients to help them prepare for their retirement. I feel I will be a better sales agent and knowledgeable person. Thank you so much and keep up the good work. " -- Edwina Grant – GA

"This really changed my view from buy term, and invest the difference to permanent life. I personally regret I didn’t buy permanent life in my early years because term insurance is more expensive now in my older years. Also I should have transferred or converted my policy earlier to avoid taxes. It was a life-changing workshop!" -- Joe Egipto – GA

"This training is the most impactful I’ve experience in my 11 years in the industry. I feel like I can immediately make a positive life-changing impact for my clients and their children and grandkids. Thank you!" -- Rick Caffery – Athens, GA

"I highly recommend this workshop for ALL agents. It truly gives you a whole new perspective on the living side of life insurance and with the changing workplace individuals need to become more financially astute. If not they will be financially distressed at the time they need money the most. " -- Ladd Fitzgerald – GA

"What an excellent seminar! Patrick truly made the life insurance sale the easiest sale that can be made to the client … with few to no objections." -- Ketty Wilcoxen – Gainsville, VA

"This presentation is so powerful no matter when you started your insurance career you will never stop making your career greater and greater each week, month and year. Also it will give back to your community from your now success and property. " -- Richard Dieffenegach – MD

"By giving books to clients who have the ability to use this approach you are non-confrontational in your approach. You are giving them knowledge to make the hope decision for their future without pressure." -- Lenome Graham – Murray Valley, GA

"Using this knowledge that I have gained will enable me to sell the concepts much better. I am better equipped to do sale presentation because I have gained so much more knowledge to explain the products especially" -- Viris Clark – Largo, MD

"I would definitely recommend this workshop to anyone in the insurance business." -- Anthony Stewart – Lanham, MD

"The experience today reinforces that the life insurance profession is absolutely the best and that using concepts will allow you to approach and help everyone." -- Ed Taylor – Pikesville, MD

"The material was excellent to show people how they can accumulate savings tax deferred, access money tax free and transfer money tax free. " -- Frank Doluilia – PA

"Seriously, one of e best seminars I have ever attended. The content was simple, effective and should be easy to implement. Probably one of the best prospecting tools I have seen. " -- Alan Fried – MD

"There is a geico commercial that shows a pair of eyes sitting on a stack of bills (money). I like the book tax-free income cover, cover my face with it just below my eyes to mimic that commercial: you see my eyes and blow them is the money you could lose if you do not take advantage of the strategies therein." -- Frank L. Williams, JR. – TN

"I have used the rent vs. buying concept on life ins. Sales for 21 years. I have been successful, but often getting the information presented in a great format. I feel I will be able to maximize many additional sales." -- Dan Fullerton – Oregon

"This was a very informative workshop that has changed my way of selling our life products and financial products. Between my life specialist and myself we can do very well. I have been business 20 years and wish I had this information 20 years ago." -- Dennis Munster – Clackamas, OR

"I feel the time spent at this seminar is time well spent. Not all meetings are good-this is a very good one. Term conversion process is easy to understand and will get results. I also think the presentation is a very good process that will help me achieve my goals." -- Don Evans – Beaverton, OR

"I personally have 20-30 years till retirement and want to do this for myself. Thank you. I have bettered myself now." -- Justin Fox – Oregon

"Patrick does a fantastic job of presenting complex concepts in an easy to understand manner. He has made a believer of me!" -- Greg Young – Tigard, OR

"I was very familiar with this concept at my previous employer. The different approach, being very easy to understand and explain to clients will be an asset in my upcoming presentations." -- Todd Snider – Vancouver, WA

"Patrick has developed some great tools that I’ve never seen before. These tools will help any sales person to reform and use basic concepts to improve their life insurance sales. " -- Tim Butler – Toguard, OR

"Recently lost a life sale to competition because he explained and showed the difference of Term/Perm. I thought I had shown the difference with illustrations. I believe I now know what my competition had shown his client. I tried to make it too difficult. He sold it by showing her the concept." -- Rita Semy – St. Helens, OR

"Great information. The info is simple and easy to understand with great tips on how to communicate to own clients. Back to basics with practical experience." -- Kevin Fode – Tualatin, OR

"I think the workshop was an eye-opening experience. It was very informative and the concepts were innovative and simple." -- Matt Dougan – Novato, CA

"This workshop is an excellent tool to add to the cafeteria of concepts that I will illustrate for my clients! I like the simplicity that is demonstrated and will pass it along to other members of my organization. Great seminar!" -- Gerilee Norris – California

"The workshop was great. Patrick took what people think are complex concepts and simplified them in his workshop and book so everyone can understand. I highly recommend this workshop for agents looking to increase their production and knowledge." -- Kevin Jenson – Citrus Heights, CA

"Patrick’s presentation was wonderful. The topics covered are crucial for Americans to understand to avoid a huge potential pitfall and to capitalize on a huge opportunity to memorize assets." -- Chris Arnold – California

"Applying this strategy is a benefit for our clients. I believe GI is an overlooked area within financial planning. Good simple presentation. I love the idea that Patrick sells and explains a concept and not a product." -- Gary Blom – California

"I came into workshop thinking I was already doing the necessary to write permanent life insurance. Boy, was I wrong! I learned new concepts and also became newly enthusiastic about the possibility of giving my clients tax-free income. You taught an old dog new tricks and I can see this revitalizing my business." -- D’Este Du Plessis – San Francisco, CA

"This workshop was great! It showed me how to become more productive and profitable in a much shorter span of time without most of the back-breaking phone calls!" -- Eli Novichenok – Sacramento, CA

"I am a new agent and can’t wait to use these concepts to build my business." -- Mark Holmes – California

"As a new recruit for AIA, I am learning the insurance business while stating my new career. You have helped me jump start my business plan. I look forward to developing a book of clients with a new-found confidence." -- Bill McGuire – California

"The workshop is presented in a way that has never been so simple and understandable, yet so informative. It will help you to sell and more importantly to close every appointment you will make. It is worth attending considering the opportunities that you will realize are out there. Amazing!" -- Bernadette Junio – Northridge, CA

"This approach was wonderful! As a new agent into the industry I am now fishing with nets as opposed to fishing with lines! Love the simple concept. Thanks for guaranteeing me success in this industry just by utilizing this book!" -- Stephen Cohen – Sacramento, CA

"I am brand new and recently read your book. I am just as excited about helping others today as I did after reading your book. " -- Josh Euer – Rocklin, CA

"This is a wonderful experience. It gives you the ways to apply the knowledge you already have, and adds to that knowledge as well." -- Derek Smethers – Sacramento, CA

"This presentation opened my eyes to more ways to help my clients. Very excited to get back to the field!" -- David Aluawado – Redlands, CA

"This is an amazing workshop. I’m not even in the insurance industry yet, but after this workshop I know this is the industry the product I need to focus on." -- Matt Brozek – El Dorado Hills, CA

"I thought I was pretty knowledgeable in my industry already until I read Tax-Free Retirement. My eyes have been opened and I realize the great opportunity that’s been presented to me so that I may help others achieve and surpass their retirement goals." -- Laura Estrada – Huguard, CA

"Patrick’s workshop hit some of the most important parts of doing business...that is creating a market to do business and how to present and close sales effectively with no pressure. His engaged knowledge is terrific for all levels of experience. I plan to use these concepts immediately." -- David N. Lloyd – California

"After 10 years of being in the insurance business I see now how I have limited my potential with overly conservative tradition thinking. I truly believe my clientele will warmly welcome these wealth building concepts with open arms." -- Gregory Carter – Modesto, CA

"His concept is like a breath of fresh air. Takes out the “guessing” and “fear” of how to retire comfortably and set your family up for and amazing financial future." -- Kimberlee Kobayashi – Fremont, CA

"As someone new to the industry I have had little experience as an agent, but as a business owner I saw immediately the application to my life and the lives of my associates. It’s dirt simple!" -- George Cassel – California

"I think hands down that if you’re in this industry and want to be extremely successful then you need to attend this workshop. It was interesting from beginning to end...multiply your business and attend this workshop ASAP" -- Andre Tidwell – Fremont, CA

"As a long time property casualty broker- I can think of no better way to enhance the relationship with my current clients, than to offer products, concepts and strategies which Mr. Kelly presents in his workshop. I am very excited to meet with my clients now!" -- Jeff Babski – Folsom, CA

"Patrick’s presentation was an elemental review of what I already knew, but done in such a way that my paradigm has shifted entirely. Target is the new minimum!" -- Chris Lancaster – Placentia, CA

"Patrick Kelly has the tools that are able to be used every day. It’s not complex, and it is straight forward enough for our customers to understand. Obviously, no process, no kit, no book will turn the 40% of the people we see that would never have bought it into buyers. But the 60% of our prospects that are buyers-these ideas are a sharp cheap tool for our states toolbox." -- Bradon Corpien – California

"I am a tough case as I hate marketing-but there are great nuggets here I can use. Not sure how yet. As the biggest hater of meetings anywhere, this was well worth more than the fee to attend. Having the meeting I have 10+ people in mind to call. Actually just got the book two days ago and have a client reading it right now." -- Vanette Wing – Apple Valley, CA

"Patrick, your simple concept for term and permanent was more than enough for me to have come. The tax-free income concept was in my wheel house. However, your simple process is something that I can do and teach my agents. As a 30 year member of most this session was as good as this year’s meeting in Indy." -- Dan Frost – Orange, CA

"This workshop helped me to focus in making every presentation more effective allowing my client to know the whole purpose of my relationship with them." -- Edson Pameco – California

"Patrick, this book was an easy read and the concepts you talk about opened my eyes and I’ve been in the industry 13 years. I want to take this information and run with it. The information you shared is priceless. Thank you for your professionalism and passion to this industry." -- Yolonda Melendez – Bellflower, CA

"This workshop is a definite eye opener day filled with things you may already know....but presented in a simplistic way for you to present and use with clients immediately!" -- Paul G. Kordik – California

"It was refreshing to look at life insurance concepts in a kiss concept. Most consumers do not want to see graphs and charts on how much money they won’t see when they die (they’re dead). This shows the advantages and living benefits. Easier for the consumers to swallow!" -- Casey Whitter – Ontario, CA

"The workshop was excellent. Patrick “kept it simple” while teaching some ..... selling concepts that any insurance professional could understand and most importantly do. " -- Jack Williams – California

"This workshop is easy and simple to follow along with. I saw 2-3 concepts that I could easily implement into my business once I get back to my office." -- Drew V. Potter – Winchester, CA

"Excellent concepts-clearly explained a refreshing look at life insurance in light of potentially higher tax brackets in the years to come. " -- Ivan Wenzel – Redlands, CA

"I have been in the financial services industry for over 20 years and I did not understand the advantages of permanent insurance over term insurance. Patrick’s simplified approach and vivid story telling helped me to see the light. I highly recommend his book and workshop to everybody in the financial services industry." -- Ron Gatti – Tustin, CA

"Great ideas-this workshop has given me ideas I can implement today to maximize sales and money" -- Michael Mantong – Cypress, CA

"This is the best explanation and process for marketing and selling overfunded life policies. It is simple, repeatable, and reliable. Just follow the directions, ask the right questions and write policies." -- Bruce Thomson – Raleigh, NC

"Outstanding workshop that opened my eyes. The timing is perfect as we face rough economic times and people are looking to reduce tax exposure." -- Todd Stebells – North Carolina

"The workshop is definitely worth your time and money if you plan on not only surviving in the business, but thriving in it? Well worth the time and money, if you want to sell more life insurance." -- Keith Wright Raleigh – North Carolina

"As much as the information was exceptional, the enthusiasm was inspiring." -- Jim Fitspatrick – South Carolina

"Patrick has done what he set out to do. He has put a powerful resource describing the incredible financial tool that is life insurance in the hands of financial professionals and the public. This is a great resource. Thanks Patrick." -- Matt Kennedy – Murfreesboso, TN

"The workshop was awesome! This workshop gives a repeatable concept that uses a simple process to help clients immensely. The timing is perfect to go TAX FREE!" -- Al Tiner Raleigh – North Carolina

"This workshop was very good and answered lots of questions. It also gave me enough tools to become a better representative and also more productive. I will use this book knowing it will help me get closer to clients who have been afraid of doing anything." -- Jerry W. Kers – South Carolina

"Patrick, your concepts are new and fresh with a completely different approach to an industry that needed a new and fresh approach." -- Mt. Doris – South Carolina

"At 28 years old and new to the industry in order to be taken seriously you need a visible concept and strategy. This workshop has allowed me to have those things. It has also allowed me to plan for my future retirement and feel secure in my decision. I’m excited to get started!" -- Greg Elie – North Carolina

"What a great experience! Patrick has the great talent to allow us to understand this great method of helping prospects and clients to utilize the benefit of Tax-Free Retirement." -- James E. Landon – North Carolina

"Fantastic infusion of ideas and concepts to sky rocket my business into outer-space. Thank you for sharing!" -- Denise Bartholette – North Carolina

"Exciting new concepts explained in an innovated new concept method." -- Fred Maiden – California

"Outstanding new ideas. However I need to us them ASAP. Put everything in practice on a daily basis." -- Ethan N. Aparicio – California

"Patrick’s seminar helps focus your sales approach from a “needs” analysis to a “wants” analysis. He keeps it simple and informative for customers of all ages." -- Jim Ranes – California

"A day very well spent- I would pay the $300 again to hear it all again as a refresher next week...after I have a chance to try it out. " -- Brian Zufelt – California

"Excellent IRA rescue idea to save clients from taxation." -- Daniel Dominanez – California

"I have been in the industry, mostly asset side, personal production and wholesales-only insurance side for 3 years-great ideas and uses for it that hasn’t been explained to me." -- Debbie M. Ilukowilz – California

" This is the 3rd month or working for my company. They offered this seminar to me and paid half. Wow! This was the best seminar I have been to. Learned a new concept that should be beneficial to me and my clients. " -- Robert M. Rael – California

"Excellent presentation. “Keep it simple” Method was great. This is what I already try to do regarding the overfunding strategy for tax-free retirement planning. But Patrick’s program went further and reinforced my strategy." -- Edmond Lim – California

"Excellent for being a producer for 15 years- to think outside of the box. Recommendations that can be made to individuals, families, and business owners for major tax-free savings option. Patrick is spot on about the natural approach to bringing this concept to clients and prospects. Not at all salesy or pushy-it sells itself!" -- Virginia Harrison – California

"This workshop reconfirmed my belief in the powerful tax advantages of life insurance- treating it as an asset to all financial plans." -- Greg Allalos – California

"This was a great seminar. Very easy to understand. Presents a brand new way to consider life insurance." -- George Betancur – Porterville, California

"The beauty of the information that Patrick Kelly presents in his workshops is that I can now present to my customers in a simple and easy to understand format with various ways to achieve tax-free retirement money in a focused and non threatening manner. I can even use the book to make my initial point with no pressure. " -- Steven A Sperry – Stockton, California

"Patrick was clear and compelling, a good speaker who clearly has a passion for the topics. I know all this already and I still learned a lot. Repetition is learning. Thanks Patrick" -- Emily Guillerm – California

"Patrick was clear and compelling, a good speaker who clearly has a passion for the topics. I know all this already and I still learned a lot. Repetition is learning. Thanks Patrick" -- Emily Guillerm – California

"Patrick Kelly does an incredible job of bringing a fresh perspective on how best to add value to our client relationships." -- Personal Review – Agent

"The concept of tax-free retirement is exciting and will help me advise my clients on their retirement. I recommend the seminar for anyone who sells life insurance!" -- Personal Review – Agent

"Great workshop--looking forward to putting what I learned today in motion." -- Personal Review – Agent

"Simple! Simple! Simple! Concepts I can put to use immediately. Money well-spent!" -- Personal Review – Agent

"I am an 18-year agent and this workshop has done a better job of explaining the nuts and bolts of life insurance than any previous class. Thank you!" -- Personal Review – Agent

"I can now work smarter, than harder! This is so simple! It makes so much sense. It is only a matter of educating our clients on the concept. I will go back and review my own plan first!" -- Personal Review – Agent

"Patrick takes a complex concept, makes it easy to understand and easy for us to explain to our clients." -- Personal Review – Agent

"Time well-spent. I leave the workshop with a desire to learn more. The online support will provide this." -- Personal Review – Agent

"Patrick took concepts that I knew and not only simplified and clarified them for me but taught me how to simplify and clarify those concepts for my clients and thus have a much more effective presentation." -- Personal Review – Agent

"I read the book in 3 days and began using the concepts. I have converted several terms and working on a $2500 a month premium UL." -- Personal Review – Agent

"Knowledge is power. This workshop gave me both and confidence to sell this concept to the right client." -- Personal Review – Agent

"The workshop was awesome. Patrick was able to simplify the concepts down to communicate to customers and potential prospects. I expect to soon get an R.O.I. Thanks for coming to North Carolina." -- Personal Review – Agent

"An agent friend of mine in NY highly recommended your workshop to me. I am so thankful that I listened to his advice. I plan on "passing it forward" to other agents. Great workshop!" -- Personal Review – Agent

"Patrick, I have owned a UUL for 5 years now. It has motivated me to contribute more to my own." -- Personal Review – Agent

"Here's a five hour presentation that can provide a life-time of knowledge for anyone in our industry. If you are not certain you understand the many benefits of permanent life insurance--beyond death benefit--commit to this 5 hours." -- Personal Review – Agent

"As a new agent you have given me great tools to help me tell the story and concept to clients. Easy, simple format I will put into action." -- Personal Review – Agent

"I really enjoyed the workshop! It was simple and easy to understand. I appreciate your knowledge!" -- Personal Review – Agent

"Patrick, I would recommend this book and workshop to any new agent, like myself starting out in the business. I have learned to take what are perceived to be complicated concepts and make them simple to understand for our policy holders! I plan on using the book and workshop concepts for the rest of my career." -- Personal Review – Agent

"This workshop will sharpen skills you've had for years, but were never really taught a simple way to use with everyday policy reviews. You will be fully charged to get back and meet with a client right away. Simple strategies that can and will work." -- Personal Review – Agent

"Patrick has the ability to take the "cloudy" concepts of permanent life insurance and "distill" it into a glass of water anyone can drink!" -- Personal Review – Agent

"After the first 3 readings of the book, I began marketing the concept to everyone. The first "sale" was to my boss-my agent. He ordered 30 books, began giving them to select clients, attended the workshop, and has ridden the wave of enthusiasm." -- Personal Review – Agent's Team Member

"As a new agent ( 10 month TICA) I thought this was a great training opportunity. Thanks." -- Personal Review – Agent

"I wholeheartedly recommend the Tax-Free Retirement semianr. I feel as if I will be able to soar to new heights as a result of putting the practical and easy to use concepts! I can't wait to get back to my office and show this to my team to get them involved!!" -- Personal Review – Agent

"This seminar was time well spent! It will help me close more high dollar cases and has given me more confidence in my conversations with clients." -- Personal Review – Agent

"This seminar offers a "plain English", simple to understand explanation of the superior benefits of permanent life insurance. The concepts covered can be easily presented to every client from the plumber to the lawyer." -- Personal Review – Agent

"I am very excited because I have been behind on production and now I feel like I will be back on track within two months." -- Personal Review – Agent

"Patrick, the workshop was great. The concepts are very similar to what I do currently for clients. This gives me a systematic approach each and every time." -- Personal Review – Agent

"It was a great workshop. I enjoyed how Patrick simplified the entire process of explaining heavily funded U.L. products." -- Personal Review – Agent

"After today's workshop I feel as if I have been hiding in a tunnel underground. Today I have climbed out of the tunnel and realized there is a whole new world! Thank you, Patrick!" -- Personal Review – Agent

"Patrick's workshop was well worth the time and cost to travel to St. Louis. Concepts are easy to understand and to put into place in my agency. No handouts necessary to educate our prospects on the concepts." -- Personal Review – Agent

"As an 11-year agent, these concepts have re-energized me about selling permanent life insurance. Your workshop was excellent. Thanks for everything!" -- Personal Review – Agent

"Patrick presents very simply a concept about tax-free income that frankly most people do not know about! I'm going to do my best to spread the word!" -- Personal Review – Agent

"As a former CPA, I worry about the concept of life insurance as an accumulation vehicle. Is it as effective? Do the benefits/features outweigh the cost relative to other retirement savings vehicles? After this class I feel confident not only in my ability to sell life insurance's living benefit, but also in the "win-win solution" life insurance creates for the customer. My perspective has truly been "revolutioned". Thank you!!" -- Personal Review – Agent

"The concepts may be complicated but the presentation approach is simple and easy to replicate for your clients. I would recommend this seminar to every life insurance professional." -- Personal Review – Agent

"Patrick's enthusiasm is contagious! I am excited to get back to the office and call my list of prospects. During the workshop I was writing down names of clients this approach will be perfect for." -- Personal Review – Agent's Team Member

"Patrick has given me one central location to use as validation of many of the conversations I have had with clients and will continue to have." -- Personal Review – Agent

"Patrick Kelly's "Tax-Free Retirement" seminar is by far the best seminar to have immediate applications. Concepts are so basic that I understood how to immediately bring added value to my clients. This seminar is a must!" -- Personal Review – Agent

"I enjoyed the workshop and look forward to working on the term conversions." -- Personal Review – Agent

"The concepts are simple! I'm excited to have an easy way to present so that anyone can understand the value of permanent life insurance." -- Personal Review – Agent's Team Member

"This workshop is a must for anyone looking to boost production in life sales. I cannot wait to apply what I have learned today with my clients!" -- Personal Review – Agent

"This has been the first book and workshop that has made and will make a difference for my clients, friends and family. I look forward to utilizing these concepts (how easy)." -- Personal Review – Agent

"It was awesome and I can't wait to put the concepts into motion." -- Personal Review – Agent

"The best practical seminar I have ever been to. Easy concepts can benefit every insurance professional and their clients. I've been sitting on a goldmine and didn't even know it. Thank you, Patrick, for opening my eyes to the fantastic potential of life insurance as a tax-free retirement tool." -- Personal Review – Agent

"The one-page term conversion work sheet illustration made the cost of the workshop worth my time and investment." -- Personal Review – Agent

"The best money I have seen my boss spend yet." -- Personal Review – Team Member

"The concepts presented were simple and easy to understand. I believe I have a new vision that will help me accomplish my agency goals." -- Personal Review – Agent

"I have spent the last 17 years as a P & C agent trying to put together a simple life insurance presentation that helps clients understand all the benefits of permanent life. I can pivot from P & C to life insurance and retirement savings. But with this book & seminar I have finally found a way to present these concepts from a P & C perspective to clients in a meaningful way. Thank you for a worthwhile experience." -- Personal Review – Agent

"I would recommend everyone to come to this seminar to have a complicated subject made easy, understandable and a goldmine for yourself, family and friends." -- Personal Review – Agent

"Patrick's presentation opened my eyes to the broad use of life insurance for not just the death benefits. There are some incredible living benefits." -- Personal Review – Agent

"Patrick's workshop gives simple explanations that are easy to teach clients. What could be long and complicated is now short and sweet." -- Personal Review – Agent

"The content contained in this workshop was easy to understand, easy to follow and truly demonstrates the tax-free ability of life insurance. I know my clients will benefit from this information and be better off in their retirement." -- Personal Review – Agent

"Patrick, I loved the easy to use approach of a concept I knew but had difficulty making an easy learn for clients...being able to show the "why" to convert from term to permanent and the advantage to the client! Awesome." -- Personal Review – Agent

"Fantastic workshop! It took concepts that I struggle explaining to my clients and put them into a very easy to understand format. I'm excited about the power I hold to make a difference in my clients lives now. I can't wait to share this information with everyone I know." -- Personal Review – Agent

"The time spent at the workshop will pay dividends well into the future." -- Personal Review – Agent

"Patrick-your seminar was absolutely amazing. Clear, well-presented, simple, easy to understand. I recommend without reservation as a "must-do" for any agency interested in moving to the next level in financial services/client service. Thanks! " -- Personal Review – Agent

"Fantastic workshop! Simple and easy to understand concepts!" -- Personal Review – Agent

"This will spark new vitality in working with our customers." -- Personal Review – Agent

"This workshop was well worth the money! Patrick brought simplistic concepts to us that I can re-do and make it work. Thanks, Patrick." -- Personal Review – Agent

"Read the book first and used the concept the first week. The workshop brings it home even better." -- Personal Review – Agent

"I enjoyed learning the simple, straight-forward sales process. I feel like I'm in a better position to be a trusted advisor to my clients." -- Personal Review – Agent

"Patrick has put together sales concepts that are easy to understand and will make selling life insurance a more valuable product for our clients because of the end results. The concepts taught will change the way we all view life insurance." -- Personal Review – Agent

"Patrick-the first four books I handed out have helped me close four cases with over $5000 a year in premiums on average per case! Keeping it simple makes this easy for the customer and for me as well. Thanks for taking the complex and making it simple!" -- Personal Review – Agent

"Patrick: The Monday following your seminar I converted a $100,000 term for $3600 in annual premium and the sale took under 10 minutes. Thanks very much. " -- Personal Review – Agent

"Patrick, I had a couple in here last night who both had a $250,000 20-year term policies. I asked the question "How long do you want your life insurance to last?" Response was "'til we die". I showed them the advantage of permanent insurance just like you taught us, asked what they thought, and the wife said "makes sense to me!" This worked exactly as you said it would. Thanks so much. I'm one for one!" -- Personal Review – Agent

"Thanks, Patrick, for a day well-spent. We'll start Monday and I'm sure we'll very quickly leave a success story or two to pass along." -- Personal Review – Agent

"Patrick, great workshop! You really got me thinking back to the basics. I am re-energized on life insurance now!! " -- Personal Review – Agent

"This was an incredible experience that is going to make me successful in growing my business. I traveled from NYC and the information was priceless. Thank you for writing this book!" -- Personal Review – Agent

"This workshop allows you to help people save money with a greater understanding of acumulation, taxes and family protection combined in one package." -- Personal Review – Agent

"When I received the invite to the seminar, I thought it was just another seminar-they always make them sound so good. I spoke with an agent who attended the seminar and they mailed me the book. My team member read the book first then said, "This is a must". I couldn't wait to hear him put this all together. Worth the price. Thank you. " -- Personal Review – Agent

"This was one of the best workshops I've ever attended! You explained the concepts so well that anyone can understand it! It is a great complement to your book-which I read in one day! Can't wait to talk to our clients about this!" -- Personal Review – Agent

"If you are a two to five year agent and just started solidifying your relationship with your clients-this is a can't-miss workshop to move to the next level." -- Personal Review – Agent

"The workshop was just as great as Patrick-s book--which in my opinion was a pretty high standard set to begin with! A no-brainer for any insurance producer!" -- Personal Review – Agent

"Patrick, money and time well-spent!!" -- Personal Review – Agent

"I read the book two months prior to the workshpo and couldn't wait to get the book in the hands of my clients. I started with 10 books and have all ten in the hands of customers. I have a couple nice cases pending because of the book's concept. After the workshop I feel much more comfortable from what I learned to present this concept with the utmost confidence. Thank you, Patrick." -- Personal Review – Agent

"If more agents used these concepts, the perception of our industry would be more favorable. Our reputations are just above used-car salesmen and ambulance-chasing attorneys. These concepts will raise the level of our reputation in the community." -- Personal Review – Agent

"Great presentation! The Tax-Free Retirement concept is outstanding and easily transferable. I will begin implementing into my business immediately." -- Personal Review – Agent

"If you are in the life insurance business, you must learn this concept!!" -- Personal Review – Agent

"Patrick, this seminar and your book have convinced me to immediately implement your techniques. I had already set up appointments prior to coming today--I can't wait to share this information with them." -- Personal Review – Agent

"I have never looked at life insurance as anything but "recover from the unexpected". I now realize it can, genuinely, "help people realize their dreams"." -- Personal Review – Agent

"I have been way over-thinking this stuff for too long. I love the simplicity and the absolute non-presence of technology." -- Personal Review – Agent

"A GREAT way to move forward. This will help take care of the needs of my policy-holders...well-worth the time and money." -- Personal Review – Agent

"The workshop was very informative. Simple concepts that Patrick brought to life with his real-life examples. I would recommend the workshop to any insurance agent." -- Personal Review – Agent

"Patrick delivers this material in such a simple way that your clients will literally come to you and ask for this product!" -- Personal Review – Agent

"It opened my eyes to using Life Insurance not only as a tool to cover unexpected death but to give a client "Real Tax-Free Dollars."" -- Personal Review – Agent

"I have been a State Farm agent for over 47 years and this will get me back into business with an exciting outlook all brand-new. I really enjoyed it." -- Personal Review – Agent

"The most powerful ideas I've heard since I've been in the business." -- Personal Review – Agent

"As someone who was not very comfortable about explaining retirement options to clients in prior appointments, from this brief one-day seminar I feel like an expert and will be much better prepared to discuss retirement planning with clients." -- Personal Review – Agent

"I've been to numerous "sales" seminars. The biggest difference in Patrick's approach over others is about simplicity and allowing the customer total buy-in. The concepts are sound. The method is easy to follow. The results will follow." -- Personal Review – Agent

"I got a few books early and gave them out. I wish I would have waited until after the workshop before I had met with them because I got SO MUCH MORE comfortable with the material that the appointments could have only been better. I did get 12k though!" -- Personal Review – Agent

"This workshop and book have really approached the concept of life insurance in a simple and understandable manner that anyone can use with clients. It also helps clients with a better understanding of term vs. permanent insurance. This will really help me with my clients." -- Personal Review – Agent

"I never sold a term conversion in my life. I think I can now do it." -- Personal Review – Agent

"I would recommend this program because it offers a focused approach to "the approach" and sales process that follows--yet it is simple and transportable to the team." -- Personal Review – Agent

"I'm excited to practice and put these simple concepts into use and look forward to the day when one of my clients' beneficiaries thanks me for helping leave their family a legacy." -- Personal Review – Agent

"Patrick Kelly not only presented in a way that is understandable to me, but I feel my clients will understand. It took the mystery out of these concepts. Patrick helps to portray the insurance industry in an ethical way." -- Personal Review – Agent

"This was the first seminar in my 7-year career that I actually paid for and feel like, yes, this is material I can use every day in my business. I'm very excited to get started in using the material." -- Personal Review – Agent

"Most insightful, clear, precise and educational seminar I have attended. Everyone should attend!" -- Personal Review – Agent

"This book is great for anyone and the workshop is a must for an agent that wants to maximize their potential." -- Personal Review – Agent

"Patrick's class was as easy to lsten to as his book was to read. Great information put into simple terms." -- Personal Review – Agent

"After selling life insurance within their insurance "budget" for years I now look forward to going after their retirement "budget" and saving them taxes." -- Personal Review – Agent

"More is not necessarily better...i.e. back to concept of basic understanding of life insurance rather than focus on many illustrations...or back to the KISS method--it works." -- Personal Review – Agent

"Thank you, Pat, for your knowledge. Wonderful workshop--look for my numbers..." -- Personal Review – Agent

"Patrick presented the material (which at times can be difficult to understand) with ease and layman's terms. He truly understands what is needed in the marketplace and fuels our arsenal of weapons with methods and systems." -- Personal Review – Agent

"A great workshop that will provide me with a new concept that will be of value to my policyholders. Another way to be of benefit that will touch the lives of the people I work with and the people they love." -- Personal Review – Agent

"Really made a lot of the loopholes come together and it was a much easier explanation of universal life than I had ever seen." -- Personal Review – Agent

"Wow--learn in an afternoon more than the previous 13 years brought me!" -- Personal Review – Agent

"Quickest six hours I have ever spent in a seminar--great material. Old message, broken down in the simplest way I've ever heard." -- Personal Review – Agent

"I wasn't quite sure what to expect when I enrolled for your class, but all I can do now is applaud you. You have de-mystified the UL concept amongst other things. I have the feeling along with the knowledge now that I can speak with confidence and conduct meaningful interviews with my clients. Continued success to you." -- Personal Review – Agent

"I have been an agent for 16 years...attained levels within the company that I am proud of. Sometimes we forgot to stop doing what seemed to work! Why do we do this--this workshop reminded me of my beginning years in the life insurance selling market-the simple concepts that always worked and served a greater purpose and that I personally gained satisfaction in my career--so thanks, Patrick, for REIGNITING THE PASSION OF SELLING LIFE INSURANCE AND REMEMBERING WHY I DO WHAT I DO!" -- Personal Review – Agent

"With these new concepts, I should be able to qualify for exotic travel and MDRT earlier in the year." -- Personal Review – Agent

"As a financial professional of 15 years and new agent, I have been searching for a way to simplify the concepts that I discuss every day. Look forward to my success stories..." -- Personal Review – Agent

"You have opened my eyes to a good and easy UL presentation. In the past I have not known how to show and present UL in this simplest way. It is truly fascinating to see the great benefit and value of it. Thank you for curing my shyness on selling UL." -- Personal Review – Agent

"This is the best financial workshop I have attended. The concepts were easy to understand and can be utilized immediately. This information will benefit many individuals who have no knowledge of tax-free retirement." -- Personal Review – Agent

"Great presentation! Patrick's presentation is easy to follow and I am positive it will increase my future life sales and help my clients understand the concepts of the UL product and its tax-free advantage." -- Personal Review – Agent

"Great book, especially now that I can sell life insurance to family which proves why life is important to purchase." -- Personal Review – Agent

"Great information!" -- Personal Review – Agent

"This is just what I was looking for to get to the next level. Such simple ideas and concepts not made complicated and easy to apply." -- Personal Review – Agent

"This is an excellent workshop that simplifies through the use of diagrams a Universal Life policy. It simplifies complex concepts on UL." -- Personal Review – Agent

"Great workshop. This is just what I need to move my agency and my professionalism forward." -- Personal Review – Agent

"This is the real thing!" -- Personal Review – Agent

"The workshop made me look at opportunities in my existing life insurance biz in a whole new way. Both conversions and existing UL owners to maximize tax-free savings and protect their families' futures." -- Personal Review – Agent

"If you follow the instructions given to you in Patrick Kelly's book, you will be doing the right thing and feel good about it. This knowledge must become an everyday practice for me." -- Personal Review – Agent

"After attending the seminar, I now look at life insurance not as something I am forcing on clients but something that they need. I think my clients would leave me if they found out I did not share this concept with them." -- Personal Review – Agent

"Thanks for the great seminar, Patrick! The process you have ddeveloped to market and sell permanent life insurance to meet the needs of our clients is insightful and geared for success!" -- Personal Review – Agent

"For the first time in a long time, I feel I have something exciting and valuable to share with life and IRA prospects. I will no longer struggle with my approach or why it would benefit prospects to meet with me." -- Personal Review – Agent

"I could hardly wait to get back to my office to put these new tools into practice. I have NEVER left any training or conference with this much practical information that I was confident I could go home and use immediately. Thanks so much!" -- Personal Review – Agent

"This workshop truly brought the book to life! I feel like I can present this to a client today! Thanks." -- Personal Review – Agent Staff

"Patrick presents easy to follow concepts that can help you with all dealings with your clients. These concepts are simple and easkily understandable to both you and more importantly your clients." -- Personal Review – Agent

"As I sit in this seminar I can think of many current customers and family members who will greatly benefit from this book! I will be passing out my first book tomorrow morning at my 9:00 dentist appointment!" -- Personal Review – Agent

"Not only was Patrick's workshop an eye opener, it also solidified, simplified, and reemphasized many of the principles that we have learned over the years. I'm sending my team members next!" -- Personal Review – Agent

"Patrick, I am so excited to start working with my clients and sharing your ideas! Thank you." -- Personal Review – Agent

"I've been in this business for 10 years. I wish I had learned these concepts back then." -- Personal Review – Agent

"This workshop was worth the 4 hour drive to hear Patrick go over his ideas and systems. There is meat to dig your teeth into and you can run with it as far as you want to go." -- Personal Review – Agent

"Patrick! In just 6 hours you were able to take my disconnected, scattered ideas and factoids about life insurance planning and re-order them within a strategy framework that is destined to change the financial future of my clients (and my family, too!) I'm no longer thinking about selling a product, but presenting a solution! Thanks so much!" -- Personal Review – Agent

"Great workshop! Simple concepts that are easily duplicated. This should eliminate the clients' paralysis by analysis. " -- Personal Review – Agent

"I am so much more confident that I can talk intelligently to my high income clients about how their tax-qualified money will play out. Thanks." -- Personal Review – Agent

"I am reenergized and very excited. As a matter of fact, during our last break today, I called my office to schedule a term meeting to go over the term conversion presentation for this Friday morning and the UL discussion for next Tuesday morning!!! Thanks so much." -- Personal Review – Agent

"The ideas that Patrick shared with us are so basic and simple for the customer to understand. I am positive it will lead to more life insurance sales!" -- Personal Review – Agent

"Excellent workshop Patrick! Your knowledge of the strategies and products is apparent and your simplified approach and delivery make it readily useful. Regards and thanks." -- Personal Review – Agent

"Patrick, great job! This will be a great piece to add to the playbook." -- Personal Review – Agent

"Patrick's concepts are so simple and understandable to present to clients. They are also concepts my team will be comfortable showing. Thank you!" -- Personal Review – Agent

"Being exposed to this material at this point in my career is beneficial in helping build a solid foundation. I am thankful my agent offered this opportunity to me." -- Personal Review – Agent

"Patrick's seminar was phenominal! He presents ideas that are easy to understand and can be implemented the day you get back to your office. His workshop is a MUST DO!" -- Personal Review – Agent

"The great thing about this book and workshop is that Patrick teaches advanced thinking and strategies but he does so in a very easy to comprehend manner. How can you beat Tax-Free, that is the best!" -- Personal Review – Agent

"I'm excited about getting back to the office! I've made a list of clients I want to give the book to. A complex concept made simple and easy. Thanks!" -- Personal Review – Agent

"Thank you Patrick. Your workshop has got me fired up! You've shown me a new way to look at life insurance and a new way to have conversations with my clients." -- Personal Review – Agent

"Thanks Patrick! I appreciate that you have invested your time to document and teach your system to market and sell financial products. I share your passion to help people leave a legacy." -- Personal Review – Agent

"The workshop takes away the complication and brings to light the much needed simplicity of a better way to see it." -- Personal Review – Agent

"I enjoyed the workshop very much. Patrick added to my conviction and passion for life insurance. The parking garage and IRA rescue are great!!" -- Personal Review – Agent Staff

"I have 3 clients I'm calling tomorrow -- great ideas!!" -- Personal Review – Agent

"I would highly recommend agents to bring their staff to the workshop. I did and would do it again." -- Personal Review – Agent

"This is easy to use information that your team members can share with your customers." -- Personal Review – Agent

"This workshop thoroughly expanded my knowledge with easy to understand concepts that can be implemented immediately with clients!" -- Personal Review – Agent

"Patrick, after 32 years as an agent I've been to more meetings and classes than I can remember. This one I WILL NOT ONLY REMEMBER, BUT I WILL BE ABLE TO USE WHAT YOU TAUGHT US STARTING TODAY. The message you teach is that clear. Thanks." -- Personal Review – Agent

"Easy to understand and simple to explain. Very well done. Thanks, Patrick!" -- Personal Review – Agent

"Patrick Kelly is a guru in the area of life insurance. Our company would be well served to send him to all the regions to enlighten the sales force." -- Personal Review – Agent

"Patrick, thanks for giving me information that even my team members can put to use." -- Personal Review – Agent

"This workshop gives you the power and knowledge to change the lives of your clients forever. This is without a doubt the best workshop for the money I have ever been to." -- Personal Review – Agent

"I would recommend to everyone not only to read Patrick's book, but to see him live! You need to experience the passion in what he communicates. It was a true eye-opener, even for an agent who has been through life specialist and new agent training." -- Personal Review – Agent

"This experience gave me a track to run on for hosting quality appointments. It takes sometimes complex subject matter and simplifies it for our clients. Thanks, Patrick!" -- Personal Review – Agent

"Patrick's presentation gave me the simple concepts and systems to properly educate my clients about all the benefits of life insurance. Awesome stuff!!!" -- Personal Review – Agent

"Patrick's presentations can add the confidence needed to present these ideas to our clients effectively and succinctly. This is a way for them to understand and benefit more from what we have to offer." -- Personal Review – Agent

"This workshop has equipped me with the knowledge and tools to illustrate simple concepts to my existing and future clients. These are concepts I can implement tomorrow." -- Personal Review – Agent

"Patrick, your workshop was GREAT! As a new agent I loved how you made the process so simple! It's just what I needed!" -- Personal Review – Agent

"Patrick, your workshop was excellent. I've been in the business for 18 years but I learned many new things today. Thanks for making the complicated very simple. I would recommend this to everyone." -- Personal Review – Agent

"Patrick, after attending your Tax-Free Retirement workshop I'm certain your concepts will make a very positive effect on my production. I'm a 35 year agent who has become somewhat stale. I expect this program to add excitement and a lot of fun to my business in the coming months. Thanks for your efforts." -- Personal Review – Agent

"Patrick thanks so much for coming to Georgia. Your seminar was great! I was able to use your concepts the very next morning at 9:00 and the client followed every bit of it. It made so much sense to him, all I had to do was ask, “Does this make sense?” His response was, “Yep, it makes sense to me.” He didn’t even have to call his wife. It was a smooth adaptation and a very easy sale! Your concepts are VERY transferable. It takes a genius mentality to take the complicated and make it simple; and that is exactly what you have done so well in this workshop. I’ve been to many other seminars that were very good, but yours is the easiest to follow and use. Thanks so much." -- Personal Review – Agent

"This is time and money well spent!! Don’t miss Patrick’s presentation. I assure you if you do what he says you will have clients asking for more life coverage." -- Personal Review – Agent

"Patrick Kelly’s Tax-Free Retirement workshop was worth flying half-way across America for. Your presentation makes the simple, yet profound concepts from your book spring to life. You have equipped us to have a significant impact in the lives of our clients. I only wish this book and workshop had been available 20 years ago!" -- Personal Review – Agent

"The Tax-Free Retirement workshop was an eye opener for me. I will use Patrick’s methods and his book immediately when I get back to Maryland." -- Personal Review – Agent

"I am a new agent and money is very tight. After attending Patrick’s Tax-Free Retirement workshop I couldn’t imagine a better way to spend my money." -- Personal Review – Agency Intern

"Patrick Kelly has hit the mark with his book. I have been in the financial service business for 40 years. I have seven industry designations which represent conventional wisdom. I have a wealth of un-conventional wisdom as well. The information provided in the book and workshops are a perfect blend of both. Every financial service professional should make this a ‘must read!’" -- Personal Review – Agent

"This workshop was incredibly informative. Patrick makes a complicated subject very easy to understand and apply. I would highly recommend this workshop to anyone interested in growing financial service production." -- Personal Review – Agent

"This workshop was AWESOME! As a fairly new agent, it opened my eyes to the great options we have to offer with life insurance. Patrick’s presentation is simple but so powerful. I highly recommend this workshop to others." -- Personal Review – Agent

"These concepts are so simple yet can have such a profound effect on the retirement options for clients. Thank you!" -- Personal Review – Agent

"Great presentation! Thanks for giving me new ideas to an old subject. Great!" -- Personal Review – Agent

"The concepts presented in Patrick’s workshop will help me in making a more sensible presentation to my clients. In the past I have presented way too much information. Now I can have a greater result and do it much more simply." -- Personal Review – Agent

"EXCELLENT!!! Thanks for showing me a way to save time presenting and explaining a UL policy that is easy and understandable for anyone." -- Personal Review – Agent

"This has been a great workshop to learn a solid, simplistic approach to selling and teaching life insurance benefits to our clients. I will definitely recommend this to others." -- Personal Review – Agent

"Patrick, you have made a “perceived” complex subject come off very simple. Your concepts are something any individual can implement immediately. Thank you." -- Personal Review – Agent

"Excellent workshop! You explained permanent life insurance in a language that I was able to understand and transfer to the client. I’m prepared for almost all objections now." -- Personal Review – Agent

"I would highly recommend Patrick Kelly’s workshop to other insurance agents. It will really help simplify their conversations with clients and increase their understanding of life insurance. Consequently, it will help both clients and agents alike." -- Personal Review – Agent

"I highly recommend this workshop to my peers. It provides a firm understanding of the product that can be transferred from us as agents to our clients about the great benefits of life insurance." -- Personal Review – Agent

"I love the focus, direction, and simplicity that Patrick’s workshop concentrated on. If I don’t experience “higher premium” results in my agency, then it will be my own fault." -- Personal Review – Agent

"The Tax-Free Retirement workshop was an eye-opening experience for me. It provided me with some concrete tools and concepts that I can share with my customers regarding the value and necessity of life insurance. This workshop provided me with a true appreciation of the importance my job is as a life insurance professional." -- Personal Review – Agent

"Thank you! This was a great workshop. It really helped me rework my sales presentation to be focused on the concept and not the product or rate of return. This will allow me to simplify my presentation and talk to clients on a consumer level." -- Personal Review – Agent

"I would highly recommend Patrick Kelly’s Tax-Free Retirement workshop to any agent that is serious about talking to their clients concerning retirement. The workshop presents and breaks down information that can immediately be implemented in our client discussions." -- Personal Review – Agent

"The illustrations and concepts in both the book and the workshop are a great way of demonstrating the added benefits of life insurance." -- Personal Review – Agent

"“This workshop was an eye opening experience. The concepts that were taught are easy to apply and will help any life producer to succeed.”" -- Personal Review – Agent

"“I believe this book is a must read if you are in the financial services business. This book is a great and easy read for anyone who wants to invest their money!”" -- Personal Review – Agent

"Patrick’s presentation is down to earth, easily understood, and thoroughly enjoyable. Are we still talking about insurance??? Yes, we are! The only thing better than his book is his personal presentation of the concepts. He has gone from good to great and he is passing the great on. Thanks Patrick." -- Personal Review – Agent

"After reading the book twice I then attended Patrick’s workshop. I feel armed and confident about approaching clients and potential clients regarding this concept. Patrick does a great job of making the complex easy to understand." -- Personal Review – Agent

"This workshop has opened my eyes and given me a renewed passion for what can be accomplished by just using a few simple concepts. I can’t wait to get started." -- Personal Review – Agent

"As an individual who is opening his agency the day after this workshop, I could not think of a better way to spend my day. I have more fire in my belly then ever before to get out there and get after it. I am positive this workshop will make me a top producer in my zone in life insurance. If you haven’t given this idea consideration you are missing out!" -- Personal Review – Agent

"The workshop, Patrick’s knowledge, and his ability to put concepts in easy to understand and usable terms exceeded all my expectations! I look forward to meeting clients with renewed confidence and excitement, as I help meet their needs." -- Personal Review – Agent

"When I picked up your book, I couldn’t put it down! I read it in several hours. The workshop was just icing on the cake. It allowed me to take the principles from the book and properly apply them." -- Personal Review – Agent

"This workshop is easily worth the investment. No way that what was learned won’t pay back for years to come. Thanks Patrick for lighting a bonfire for future success!!" -- Personal Review – Agent

"As a new agent, I really needed the knowledge and confidence as how to explain the power of life insurance to my clients. Patrick broke it down into terms that I not only could follow, but in such a way as to enable me to teach others. Thanks you for this knowledge." -- Personal Review – Agent

"Great workshop! This workshop reminded me that what we do is not really that complicated. We have just made it that way. Patrick knows his stuff and is pleasant to listen to. I highly recommend this workshop to agents that want to take themselves and their clients to the next level." -- Personal Review – Agent

"The workshop was very high energy and Patrick is very knowledgeable and confident about his subject. The concepts are very appropriate for any agent that wants to be active in the life insurance arena." -- Personal Review – Agent

"I appreciate your simple and easy way of presenting such great material. Thank you." -- Personal Review – Agent

"Attending this workshop has given me a whole new outlook on what I can do for people like me in my community so I can give back to them." -- Personal Review – Agent

"It’s funny how things work. Less than one week after attending Patrick’s Tax-Free Retirement Workshop I received a call from one of my larger clients. He was interested in discussing life insurance. As we spoke about his life insurance needs and future financial desires, I was able to communicate with confidence on how the products I offer could best fit his needs. For the first time ever I was illustrating a life insurance policy with an annual premium north of $60,000 per year…and it looks like I will very likely close this deal. This would never have happened before my attending Patrick’s workshop, because I would not have had either the confidence or the tools to adequately dialog about these concepts. Thank you Patrick!" -- Personal Review – Agent

"This workshop is one of the best I’ve attended. It simplifies tax and retirement ideas so that anyone can understand them." -- Personal Review – Agent

"Patrick’s Tax-Free Retirement Workshop is an amazing value! For $1,895 I not only received 100 copies of his fantastic book, but I received 6 hours of training, from the author himself, on how to maximize the concepts of his book. If even ONE person out of 100 implements the concepts in this book, then that ONE sale will more than pay for the books and workshop combined. I think of all the time and energy I could spend trying to get individuals to that ‘Aha!’ moment where they say, ‘Okay, this makes sense. I want to do this!’ I might meet with 10 or 20 people to find one person that is interested. Now I can save all that time and let the book do the hard work for me. I get to spend my time on the fun part – tailoring the perfect fit to the already interested individual. I already believe in this concept and use it for myself, but I haven’t been as successful at helping others understand it. Patrick’s book and workshop has changed all that. Now I have the tools to simply and easily communicate the financial strategies that Patrick talks about in his book. This is a great investment into both my agency as well as my high net-worth clients." -- Personal Review – Agent

"This workshop was excellent! I can hardly wait to get back to my office and start using what I learned in the workshop. This is great stuff!" -- Personal Review – Agent

"Patrick’s approach is very simple and effective. The entire sales process is concept focused and provides the client great clarity. I believe clients will respond very positively to this concept approach. Great seminar!" -- Personal Review – Agent

"Patrick has a knack for bringing clarity to potentially complex concepts and making them easy to present to clients. Regardless of an agent’s tenure or experience, or of the clientele she serves, there are strategies in the Tax-Free Retirement Workshop that can work to make a better future for clients and a positive experience for the agent." -- Personal Review – Agent

"This was a very helpful workshop! I am excited to get copies of your book into the hands of my clients." -- Personal Review – Agent

"After reading the book and now attending the Tax-Free Retirement Workshop, I feel more confident about the concepts themselves and have gathered very down-to-earth and tangible ideas on presenting these concepts to actual clients. The materials are very clear and helpful for my future use as well as for my entire team. The workshop was outstanding, and an extremely valuable use of my valuable time!" -- Personal Review – Agent

"While Patrick Kelly's book Tax-Free Retirement introduces you to fantastic principles and concepts, his Tax-Free Retirement Workshop completes the picture and gives you the exact presentation methods to put these great ideas into practice. This is truly an amazing value!! $1,895 is a great deal for 100 books by themselves, but to think that Patrick is throwing in the 6 hour workshop, a hotel stay, and meals for FREE is truly amazing. The books and the workshop would be a great value at twice the price, since very rarely do you get the chance to see how a proven high producing life insurance agent gets it done. This was that opportunity and time very well spent. I will recoup the cost of these books and this workshop in very little time." -- Personal Review – Agent

"Thank you for sharing these concepts and helping our customers prepare for a much more enriched retirement." -- Personal Review – Agent