Tag Archive | Life insurance

3 Advanced Planning Strategies to Skyrocket Your Life Insurance Sales

It’s no secret that life insurance advanced planning can lead to some pretty large premiums. The challenge is uncovering these sales and then feeling comfortable identifying and presenting the solutions. We have identified 3 ideas in our Producer Guide that make it easy to become an advanced planning expert. We cover the opportunities, conversation starters, and how […]

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 […]

Message From The CEO: Your Policies Don’t Have a “Check Engine” Light

Early last week, an article appeared in the Wall Street Journal, entitled “Low-Rate Era Hits Insurance Policies.” It paints a grim picture of various types of universal life (UL) insurance policies purchased in the late 80’s and 90’s, and how many are imploding due to dwindling cash values coupled with the low interest rate environment. […]

Who Says Completing a Life Insurance Application Has to Be Painful?

These days, it seems that everything you do involves a prodigious amount of paperwork. Opening a bank account? Applying for a car loan? Adopting a new puppy? Get ready for an avalanche of forms! In the past, it seemed that life insurance companies were solidly on-board the “forms bandwagon.” With increasing pressure from their legal […]

Happy Mother’s Day – 2013

It’s impossible to put a price tag on the love and support that a mother provides to her children. Yet surprisingly, many of our mothers, wives, sisters, and daughters are dramatically under-insured. Seven in ten women agree that life insurance is a necessity and that all people should have it (as compared to 62% for […]

Do you know what your clients AREN’T asking you?

Because I think I do. And most of the other marketers out there think they do too. The miracle of modern technology lets us quantify what the “average American” is using the internet to search for. Did you know that, in the past month, there have been 3.3 million searches for the term “Medicare?” Over […]

Why Do You Do What You Do?

We’ve all heard the old saying that the only things you can count on in this world are death and taxes. While both of these things seem to be inescapable, I feel that there is a more relevant constant in our day-to-day lives – the concept of change. Change permeates every facet of our personal […]

2013’s Million-Dollar Question

The political ads are over. The votes have been counted. The results are in. Whether or not you agree with the election results, a lot of things are up in the air in regards to our country’s future. However, there is one thing I now know for a fact– the current estate and gift tax […]

It’s Still OK to HOPE

“It makes no sense at all to talk about retirement savings or lifetime replacement income without talking about health care expenses.” – Robert L. Reynolds, President and CEO, Putnam Investments We’ve been talking with you about different kinds of insurance for over 15 years now. We’ve made the case as to why you should be […]