Industry Articles

December 5, 2018
  • The ABCs of Structured Annuities
    These are for clients who want some downside protection, and some upside participation. Read more.
  • Family Caregivers Are Getting Younger: Genworth
    Challenges include stress, and depression. Read more.
  • Respect, Trust and the Growing Senior Market
    Your prospects need to understand why what you’re doing matters. Read more.

Industry Articles

November 14, 2018
  • The Value of Prospects Who Don’t Close
    Sometimes, the best prospects are the ones who, originally, got away. Read more.
  • Worry of Waning Retirement Income Big Reason for Annuity Purchases: Study
    LIMRA says younger workers are more skeptical about Social Security. Read more.

Industry Articles

October 3, 2018
  • What You Think About the Value of Life Is All Wrong
    Researchers show why your clients like high-tech cures better than they like exercising and eating right. Read more.
  • How to Help Retirees Pick the Right Life Insurance: Hidden Value
    For something different: Here’s an article by a planner who thinks some clients should refrain from buying life insurance. Read more.
  • Covering the Bases With Life Insurance and College Funding
    For families that understand how FIUL works, it can be a great college funding tool. Read more.
  • What Policymakers Don’t Get About Couples Who Retire Together
    Sometimes, economists point out, husbands and wives have different needs and ideas. Read more.
  • 4 Ways Wellness Can Cost Annuity Clients a Fortune
    People who control their health risks need to plan for extra years of life. Read more.
  • Making Sense of Long-Term Care Planning
    If you’re new to this, here’s a place to start. Read more.
  • Top 10 Most Puzzling Financial Terms for Americans
    It may be shocking that only 16% of Americans have a high level of financial literacy. Read more.

Industry Articles

August 27, 2018
  • Sorry, No Room for Your Mom
    There’s one little problem with your clients’ LTC plans: LTC services providers are in decline. Read more.
  • 529 Plans vs. Roth IRAs: Which Is Better for College Savings?
    Mark Kantrowitz, publisher of Savingforcollege.com, explains the differences, but in most cases the winner is clear. Read more.
  • New Tax Deduction Might Favor Life Agents Over Retirement Advisors
    The IRS is definitely leaning toward lumping actuaries together with actors, doctors and other fancy professionals. Read more.

Sales Ideas

August 7, 2017

Social Security Survivor Benefits: Don’t Just Survive, Maximize The extra funds overlooked in survivor benefits can mean the difference between living in poverty and relative comfort for many clients. Read more.

Prepare Your Clients for These 5 Life Events Retirement planning is far from the only component of a robust financial plan. Read more.


Know the difference: Critical illness vs. LTCI riders

October 5, 2016

Oct 04, 2016 | By Rod Rishel

On the heels of last month’s Life Insurance Awareness Month, there’s no better time to consider solutions for the most pressing needs of baby boomers, one of the most populous generations in America.

These consumers, born between 1946 and 1964, are on the precipice of retirement, if not retired already, and many are challenged with planning for future health care costs. Life insurance with a chronic illness (CI) living benefit rider may be the perfect financial solution for long-term care needs. However, not all boomers understand how CI riders differ from long-term care insurance (LTCI) or how recent innovation has impacted CI rider designs.

Full Article


Five Great Sales Ideas

May 25, 2016
  1. What women want: Annuitizing retirement assets Women have different needs than their male counterparts when it comes to retirement.
  2. How to gauge the income tax consequences of an annuity transaction Each of these 15 common annuity transactions has a different income tax implication.
  3. 10 tips for making the most of your new-client appointments Advisors only have a limited amount of time with each new prospect and must know how to optimize that their time while earning trust and inspiring client confidence.
  4. Can fixed annuities and rising interest rates coexist? Annuity product innovations aim to stop clients from jumping ship as interest rates rise.
  5. Life insurance sales growth a priority for banks, credit unions Three in four banks predict that recurring premium life insurance products will be a much larger part of sales.