President / Owner / Insurance Agency, Broker, MGA / CA-Realtor / CA-Notary Public

                                                                       Thank you for Visiting,

                                                         We hope we can help you protect you and your family.

                                                                   Venco International Insurance Service

                                                          is our marketing company with over 30 major carriers.


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                                                                                  Please click here for Help!! During COVID-19


Please contact us immediately if you want an immediate Guaranteed Increasing Lifetime Retirement Income without participating in a downmarket.


In my opinion, this is also the time to Rollover to ANNUITY, your hard earn retirement money, like 401K, 403B, SEP or any government approved programs, due to market volatility or possible recession.  Annuity, can protect your hard earn money from market volatility, because, Annuity have a floor of zero, meaning it does not participate in down market. You are protected from uncertainty, that means you will be avoiding creating financial hardship.

Call us TODAY, for FREE Annual review or upgrade of all your existing policies.

 SAVE Y0UR 401K, 403B, IRA or Roth IRA TODAY!  Thank you!!

            Don’t let “Social Distancing” come between you and your clients!

To all Agency Owners, Field Marketing Directors and Clients, who wants to be educated more about our business, is to simply reach us and make an appointment. Thank you. 

 Create your own Lifetime Income Protection with built in Living Benefits.  (From: Youtube Footage)

There are additional benefits associated with our life Insurance and annuity solutions provided by optional riders. We call them Living Benefits, providing since 1937. Based on the product, living benefits can provide benefits should a qualifying Critical, Chronic, Terminal  Illness or Critical injury occurs, or if your desire is to have an income that you cannot outlive.

 National Life Group, Term and Permanent Insurance includes the following: 

 1. Cash Value         ( use as you wish in the future. Tax Free )

 2. Critical Illness   ( use the lump sum as you wish ) 

 3. Critical Injury    ( use the lump sum as you wish )

 4. Chronic Illness  ( use the monthly for your caregiver )

 5. Terminal Illness ( use the lump sum as you wish )


   Is an IUL better than a 401k?

Unlike with traditional 401(k)s, IUL is funded with non-qualified money, or after-tax dollars. So what you pay into IUL has been taxed already. That's good news for future income – potentially tax-free retirement income! IUL also offers the advantage of a tax-efficient death benefit for loved ones. It also offers a Lifetime Income TAX FREE.

  CAP - The interest crediting rate CAP MAXIMUM is between 3 to 12 % depending on the product. If the INDEXED generate

             than the CAP, the maximum crediting rate is based on the CAP. A series of negative return on the INDEX can generate a

             0% interest crediting rate to the policy.


 PARTICIPATION RATE - The gains from the index are credited to the policy based on a percentage rate, referred to as the 

                                       Participation Rate. The rate is set by the insurance company and can be anywhere from 25% to more 

                                       than 100%.

 SPREAD - Annuity spreads are the percentage that is subtracted from the index change before interest is calculated. For 

              example, if the applicable index increases by 5% and there is a 2% Annual Spread, the interest credited would be 3%.


       Best to use for the following conditions:

  Major Health Issue: Use Mutual of Omaha Insurance

  Without Health Issue: Use AIG or Gerber Insurance

  Excellent Health: Use Oxford Insurance

  Would you like to learn more?

1. Understanding Life Insurance with Living Benefits

     A. Living Benefits - There's More to Life

2. What type of Life Insurance Policy is Best

3. Mortgage Protection

4. Financial Checklist for Newlyweds

5. NLG Promise Brochure - Spanish

Real Story of Living Benefits Video


For Annuities, we have number of carriers that offers, an Investments, like Fixed

Index Annuity that will PROTECT your PRINCIPAL from downward market and

gives you a Guaranteed Lifetime Income Withdrawal.

We focused on providing high quality services and customers satisfaction.  

We will do everything we can to meet your expectation."

                 Ven Macatangay Reyes

You can grow your retirement nest egg despite of uncertain markets and protect your family from FINANCIAL HARDSHIP. You can do it all with one insurance policy, the one that's right for you.

Single Biggest Benefits in the TAX Code: 

  • IRC #101 Death Income is TAX FREE

  • IRC #72e Growth TAX FREE

  • IRC #7702 Access your money TAX FREE


INVITE US, we do Home  and Office seminars, so we can discuss your Alternative to 401K and to secure you existing 401K from market volatility.



Indexed Universal Life Benefits:  

  1. Guaranteed not to participate in Stocks Market Losses ( If the market goes down, zero gain not Negative )

  2.  Money is Liquid. ( You can access your money prior to 59-1/2 without penalty )

  3. No Market Risk and No Tax Risk

  4. Tax Free Growth

  5. Do Not Pay Income Tax during retirement

  6. Tax Free in Death Benefit ( Goes to Heirs, Pay Debt, etc.)

  7. Mirror the Growth of S&P 500  

  8. Living Benefits ( Accelerate Death Benefit, Value Anytime when Critical, Chronic, Terminal Illness or Critical Injury Occurs )

  9. Extend Retirement without outliving your retirement money.

  10. Move your money from Account that are Forever Tax to Account that Never Tax

Understanding IUL

For Educational purposes only!

Below are from YOUTUBE Footages.


CPA, Ed Slott ( Tax Free Retirement using IUL )

About your 401k

IUL vs 401k - Which Is Better?

Understanding Indexed Universal Life (IUL)

(Spanish version)

College Funding Program using IUL

Understanding Fixed Indexed Annuities (FIA)




Fixed Indexed Annuities:

What are annuities?

Annuities are insurance contracts that make regular payments to you either immediately or at some point in the future. You can purchase an annuity to help grow or protect your retirement savings or to provide you with guaranteed income.


      A. Provide clients upside potential as well as downside protection. 

      B. When "lightning strikes" the Power of Zero protects clients who have Index Annuities.

      C. Minimum Guaranteed retirement income you can't outlive. 

      D. Safeguard your principal and interest even in a down market

      E. Guaranteed Interest UP TO 12% of your Income Value, plus Bonuses in some carriers.

      F.  Double your INCOME VALUE in 10 years and the ACCOUNT VALUE is protected from down market

      G. Double you Required Minimum Distribution (RMD)

Find out what an ANNUITY can do for you.

Need more Income in Retirement with AIG and F&G. Call for more information.

Build  a retirement, that gives you an income that you will not outlive.

                   Rollover your 401K, 403B or SEP, etc. to ANNUITY

                   using the product below:              


1. How Does AIG - Lifetime Income Plus Multiplier Flex work?

    The Power Select Plus Income Index Annuity with the lifetime Plus Multiplier Flex guaranteed living benefit (GLB) rider

       guarantees your income for life and offers two ways to increase this income. The LIfetime income is available at 

       contract issue. Once you activate the rider and take lifetime income withdrawals, your retirement income can contimue

       to grow with annual income credits. 

       Your retirement money is safe because of the Zero-based floors. This floor of zero, is valuable when interest rates are

       falling, because when the market is negative you will not participate.


2. How Does F&G Safe Income Plus Annuity work?

    There are Four Interest Crediting Options (Subject To Cap/Declared Rate) the Four of the five interest crediting options in

     your annuity will potentially earn interest based on formulas in part linked to changes in an index. These are subject to a

     limit or cap rate:

     Indexed Interest Crediting Options: Minimum caps/spreads. Each interest crediting option has minimum caps.

These are the lowest rates could be set at each crediting option anniversary.

  • One-year monthly point-to-point with a cap. Minimum cap per month: 1%

  • One-year annual point-to-point with a cap. Minimum cap per year: 1%  

  • One-year monthly average with a cap. Minimum cap per year: 1%

  • Point-to-point Fixed Declared Rate on Index Gain Crediting Option. Minimum declared rate: 1%).                  You choose which Interest-Crediting Options you wish to participate in. With respect to the indexed interest crediting options, interest, if any is credited on each indexed crediting option’s anniversary and, because indexed interest will never be less than 0%, your account value will never decrease due to a declining index. The fifth interest crediting option is the Fixed Interest Option. The initial interest rate is GUARANTEED for one year, and the rate thereafter is declared in advance and guaranteed in one year increments. The rate is guaranteed never to be less than 1%


Note: Anyone can roll over a 401(k) to an IRA or to a new employer's 401(k) plan when leaving a job. Depending on your plan's policies, you might be able to make the rollover while you're still with the company. Unlike a post-job rollover, your plan doesn't have to allow in-service rollovers, but many many companies do.

Additional Services:

California Mobile Notary Public and

Mortgage Notary Signing Agent

Notary / Authentication through Apostille Certificate

Apostilles authenticate the seals and signatures of officials on public documents such as birth certificates, court orders, or any other document issued by a public authority so that they can be recognized in foreign countries that are members of the 1961 Hague Convention Treaty.

Bonded & Insured Serving Los Angeles, Orange County,

San Bernardino and Ventura County.

                 CALIFORNIA REALTOR

For Real Estate including Commercial needs:

Mr. Ven Macatangay Reyes, Lic. #00979810

Capitol Realty  -  BRE Lic. # 01940982

18345 Ventura Blvd., Ste. 510 

Tarzana, Ca. 91356

Cell: (818) 581-8770


Website: venproperties4u

Virtual Open House is available. To show by appointment only!


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Contact Us TODAY!!
In these uncertain times, at least one thing is clear, we're all in this together. Either you're a Customer or want to become an Agent, I will walk you through the process. So, please call, so I can help you with your dreams and together we will be helping others too.
                   Thank you and God bless us all always.