A contingent beneficiary is a beneficiary that is next in line if the primary beneficiary pre-deceases the insured.  If an insured does not have a contingent beneficiary and the primary beneficiary dies before the insured, then the insured’s...

Advertising for Life insurance is becoming more common.  This is a good thing for all of us, but it leads clients down a confusing path.  Are online life insurance plans less expensive?   The answer is no.  Online life...

A common question asked by many independent life insurance agents is “What is AML?”  AML stands for Anti-Money Laundering training, a requirement by the U.S. Treasury department.  The Treasury department defines money laundering as the...

So your client is ready to apply for life insurance.  Have you discussed the application options with them?  Paper applications, e-applications, drop tickets?  There are several options, though not all are available from each...

Why would anyone use life insurance to supplement their retirement?  Life Insurance provides valuable death benefit protection.  But a properly designed cash value life insurance policy can also...

As a Northwestern Mutual agent/advisor you represent one of the most influential and trusted life insurance carriers in the country. You have access to a vast source of information and excellent products to protect your clients.  However,...

What does a life insurance application look like? In the last 15 years, a life insurance application has grown to become a long legal document with more words than you would ever want to read.  Since traditional paper applications have become so...