Latest News Blog
For Financial Advisors, it’s the Dawn of Professional Collaboration
As we inch our way to the other side of this pandemic, we see a big change in the way clients view their advisory relationships. Having experienced the roller coaster ride of their lives in the last year, many are beginning to question the value of financial advice that isn’t tied to their larger financial […]
“Lazy” money- Let’s get it up and moving!
Many of your clients have “lazy money’ sitting in old non-qualified annuities. They probably bought them years ago when the nice bank teller told them about tax deferred growth etc. for their CD’s. Not to be rude, but that money is just plain LAZY. It’s never going to give back more than what’s in it. […]
Long-Term Care Insurance Solutions
If we asked you, “Should long-term care planning and retirement asset protection be key components of a client’s financial plan?” – the answer will be yes. And for good reason. At least 70% of those over age 65 will need some type of long-term care services during their lifetime. Yet, the number of consumers who […]
5 Reasons Why You Need to be Talking About DI
One of the most important conversations you can have with your clients is about individual disability income insurance. It helps protect their income, or their business, if they become too sick or injured to work. 1. Savings, retirement planning, personal investments, and business ownership can all be at risk if income stops Monthly expenses and […]
The Supreme Court Did What to Beneficiaries?
As they say, “The devil is in the details.” If this true, then we need to look no further than a life insurance policy to find the evidence. This is why it’s worth understanding a decision by the U.S. Supreme Court back on June 11, 2018. It confirmed a Minnesota statute that retroactively annulled a […]
Beat the competition with the right client experience
Even those who say they want life insurance don’t get around to buying and point to one reason: “the dread factor.” They picture the experience as time-consuming, drawn out, difficult, and worst of all, expensive. Most assume life insurance costs far more than it does. In other words, good prospects are often turned away and […]
Could Your Clients Be Doing More to Protect their Income?
If you have sold or solicited disability insurance in the past, chances are you have heard clients tell you their income is already protected should they become disabled. The best clients to speak with regarding income protection are employed, so do not be surprised or discouraged if someone says, “I already have coverage through my […]
Is 4% Still A Safe Annual Withdrawl Rate?
We’ve all heard it before…many of us have even said it before. But is it still the case, can you actually withdraw 4% of your account value each year, without running out of money? Over 35 year ago, William Bengen conducted a study that resulted in his statement that 5% was a safe withdrawal rate. […]
INFORCE POLICY MANAGEMENT OPPORTUNITIES
A key differentiator for any advisor is the post-issue service they deliver to their clients. This is what separates advisors with deep client relationships from those that are transaction-based. Having a well-defined service offering allows you to continue to demonstrate value, ensures long-term and profitable client relationships, as well as giving you the ability to […]
Two Heads Are Better Than One: Let Us Help You
In a matter of months, the life insurance industry took an amazing leap forward by making buying and selling life insurance far more user-friendly with technological and data-augmented advances. Although the drive started years ago, COVID-19 gave it the impetus to get the job done now. And the industry did just that. As technology continues […]
Now Is The Time To Start The LTC Conversation
There’s no better time to start the LTC conversation with your clients than right now. The surge in COVID-19 cases, particularly among older individuals who are the most vulnerable, puts the issue of long-term care at the top of mind for countless families. Unfortunately, many of these families across the country remain unprotected from a […]