Life Insurance

Message from the CEO: The DOL is Asking the Right Questions of Itself

By Mike Gorlick July 19, 2017 Leave a comment

After the furious amount of writing about the Department of Labor’s Fiduciary Rule over the last several months, we recently found ourselves in a lull period following the temporarily revised rule and implementation date of June 10, 2017. The current and provisional status of the Best Interest Contract Exemption (BICE) and Prohibited Transaction Exemption 84-24 […]

Message from the CEO: A DOL Update for our Partners

By Paul Seidel March 6, 2017 Leave a comment

Last week, the Office of Management and Budget (OMB) released a proposal from the Department of Labor (DOL) for a 60 day extension on the applicability date of the DOL Fiduciary Rule. As you know, the currently scheduled effective date is April 10, 2017. As a result of the proposal, we are now in the […]

Message from the CEO: The Latest on the DOL Fiduciary Rule

By Mike Gorlick January 30, 2017 Leave a comment

As we crawl ever closer to the effective date of the DOL Fiduciary Rule in April, I think we’re due for an update on the latest news as it relates to the rule. As you may well know, the DOL Fiduciary Rule applies to all qualified funds which include qualified plans, IRAs, and other types of […]

Solving Two Cornerstones of Retirement Planning

By Paul Seidel October 20, 2016 Leave a comment

We’ve all heard that retirees are living longer. We’ve also heard that a retiree’s biggest fear is running out of money. Even if we weren’t living longer as a populace, the need for income in retirement would remain. To state the obvious, if you’re retired, no one is paying you anymore. Except maybe Uncle Sam […]

A Europe of Many Cultures or a European Culture?

By Mike Gorlick June 27, 2016 Leave a comment

Last Thursday saw a historic vote abroad: the United Kingdom (UK) voted to leave the 28 country European Union (EU). In effect, the British just had their “Tea Party” event. A few days before the vote, I wrote about the possibility of this happening. Although there was certainly passion on both sides – the ‘stay’ […]

A Disability Guide for the Life Insurance Salesperson

By Paul Seidel May 4, 2016 Leave a comment

Your clients need disability protection. They also need your help finding the right solutions to protect their incomes and businesses. Nearly everyone in the working population needs income protection so the market opportunity is wide open. As you get started building Disability Insurance (DI) into your business, consider: Your existing expertise and natural markets Industries […]

The Basics of Cash Value Life Insurance

By Paul Seidel March 3, 2016 Leave a comment

All too often we discuss life insurance and concepts with the expectation that everyone we deal with has an advanced understanding of how these contracts work and how best to apply them to their various clients’ situations. That’s just not the case. The truth is that we work with a wide variety of insurance producers, ranging […]

Frustrated with the “typical” life insurance sales cycle?

By Josh Jackson September 25, 2015 Leave a comment

Client apathy. Stale sales pitches. An oversaturated marketplace. Too many products to choose from. An insurance agent on every corner, not to mention online insurance sales sites. Cold leads. Any of these sound familiar? Unfortunately, I’d be willing to bet that they do. So how do you differentiate yourself (and earn a living) amidst all […]

What Does AG49 Mean For You?

For over a month now, producers and carriers alike have been busy adjusting products and procedures to comply with Actuarial Guideline 49 (AG49), a new rule adopted by the NAIC in mid-June of this year. After literally years of deliberation and input, AG49 implements more “realistic” guidelines for the illustrated crediting rate assumptions used by […]

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