In most cases, the spouse who received the green light may no longer want a policy with a carrier who rejected coverage for their significant other.  And even worse, they may decide that they no longer need coverage at all. ...

This simple approach will help open doors to new opportunities and possibly allow you to up-sell to clients who need more coverage. ...

Every policy needs an insured, an owner and a beneficiary.  But if the three roles are filled by three separate parties, tax implications come into play. ...

When a Special Needs Trust is properly funded with a Life Insurance policy you are providing a great supplement to their existing government benefits and creating comprehensive solutions for a special situation. ...

With so many days ahead of you, it’s easy to get sidetracked and let a few months of inactivity slip and sabotage your success.  It’s time to take a more disciplined approach. ...

What happens if the insurance is later needed for other purposes outside the trust and back inside the taxable estate? ...

71% of small business owners surveyed said they have thought about who would run their business in their absence, but only 35% of all surveyed had a business continuation plan. ...

Whatever the scenario, it’s always good to hear that it’s not too late to use the same exam! ...

In a market of one-stop shopping, becoming the local LTC resource can help you stand out in the crowd. ...

Income Protection Plans are available with a 100% return of premiums paid.  Meaning, that if your clients didn’t use it, they wouldn’t lose it. ...