2nd to Die SUL
An interesting solution using Hancock’s 2nd to Die SUL. This is one of the few products we have seen that has really stood out in a market where guaranteed products are consistently re-priced in a negative manner. The Protection UL provides a...
Diabetes, a special program
How many times do we encounter clients with small health issues, who want some form of life insurance coverage? It happens all the time. Diabetes, as an example, is one health issue that arises more often than not, and can sometimes...
RMD rules and ideas for using RMD’s
Clients need to start taking RMD’s by April 1st of the year after they reach age 72. This is the new rule that is in effect. For those clients that have accumulated a good deal of assets, this could mean taking required minimum distributions that...
Life Insurance can Help Your Retirement Planning
Buying the right life insurance coverage with your future retirement in mind can make it easier for your family to handle finances when you die. It can also help protect your money, manage your taxes and give you the opportunity to grow cash value...
The Importance of Term Conversions & Tips
A term conversion is a contractual obligation a client has, to convert his or her term policy to that specific carrier’s permanent product(s) without having to go through underwriting again. Each carrier has its own specific rules for term...
Why Convert Term Life to Permanent Insurance?
With everyone’s health on the radar a little more due to Covid, it is important to truly think long term about one’s life insurance. For some, term insurance will still be satisfactory for what a client is trying to accomplish, which could be...
How to buy life insurance as a couple
An important part of building a life with your significant other is creating a good financial foundation that can protect each other and your family. Knowing how to buy life insurance as a couple should be a big part of that plan. To find the best...
“Life” without Contact
It has been a tough couple of weeks learning this new normal, but we are pushing through and we are all here to help. The interest in life insurance is still quite high, especially with the concern about COVID-19. At this point carriers have made...
SECURE ACT – Eliminating the Stretch IRA and Solutions Using Permanent Insurance
With the SECURE Act passed by Congress, there is a huge opportunity to talk to you clients about permanent life insurance. The goal of the act was to encourage more businesses to offer a retirement plan to their employees. However, in...
Life Insurance through work…a potentially false sense of security
In the 2018 LIMRA Life insurance Barometer study, 60% of Americans own a life insurance policy. However, continuing the trend that first started in 2017, more Americans are now covered by a group life insurance plan than by an individual plan...
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