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Client’s Family History Have You Down? We Have a Solution!

Client’s Family History Have You Down? We Have a Solution!

Our Underwriting Team is here to help with all your impaired risk cases. ...

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Policy Conversions & Ownership Transfers: All Things In Good Order

Policy Conversions & Ownership Transfers: All Things In Good Order

The order of things is essential.  The correct order is critical.  Fortunately the order and timing of insurance conversions and ownership transfers is less complicated. ...

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Non-Reportable, Tax-Free Income During Retirement By Using Index UL

Non-Reportable, Tax-Free Income During Retirement By Using Index UL

There aren’t many investment vehicles available that offer the tax advantages of properly structured, permanent life insurance. ...

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Cross Selling Long-Term Care Insurance

Cross Selling Long-Term Care Insurance

Cross Selling can be difficult, yet when you present your client with information about LTC, they should understand the benefit of protecting themselves when they may need it. ...

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Insurability – The Most Important Retirement Asset?

Insurability – The Most Important Retirement Asset?

A time-tested vehicle to provide supplemental retirement income is an over-funded universal life insurance policy. ...

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Home Is Where The Heart (And Sale) Is

Home Is Where The Heart (And Sale) Is

Many people visualize long-term care as uprooting to a nursing facility – but plans allow for 100% of the benefits to be paid at home, allowing clients to stay with loved ones in an environment they’re used to. ...

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Underwriting Program Improves Sub-Standard Ratings

Underwriting Program Improves Sub-Standard Ratings

One of our A+ rated carriers has underwriting crediting programs that will benefit more of your clients. ...

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DI Case Study On An NFL Running Back

DI Case Study On An NFL Running Back

Even though NFL super-stars need specialized coverage due to the nature of their sport, it’s important to remember that high-earning individuals have a gap in disability income protection as well. ...

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Multiplication Tables – Using Basic Financial Underwriting To Increase Your Sale

Multiplication Tables – Using Basic Financial Underwriting To Increase Your Sale

The most common insurance need among prospects and clients is to replace the income survivors would have anticipated had premature death not occurred. ...

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How To Lower Your Client’s Premium – Every Time

How To Lower Your Client’s Premium – Every Time

The Income Provider Option from a few of our selected carriers allows the policy owner to select a guaranteed annual or monthly income stream death benefit for payment to one or more beneficiaries. ...

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