We have spent many hours working with clients to help them better understand the product’s crediting and accumulation strategies.  ...

While most carriers limit eligible rate classes for this particular family history, there are still a couple of A+ carriers that do not underwrite family cancer histories at all. ...

Not only are women living longer than ever, they’re also the target market that will drive your LTCi sales further. ...

DI Retirement Security provides coverage for individuals to help them continue to make retirement contributions if they become unable to work due to disability. ...

Learning the common pitfalls and how to avoid them will not only help your clients get the coverage they need, but will also help you become a better producer. ...

The following case studies show how the identification and application of underwriting credits can significantly reduce premiums. ...

Don’t let the topic of long-term care intimidate you out of a potential sale. ...

Offers the flexibility to allow a key employee of the business to purchase Disability Buy-Out (DBO) insurance to fund a buy-sell agreement between him/her-self and the owner of the business. ...

Indexing, as well as many other issues related to financial underwriting, can create fewer problems when addressed early in the planning process. ...

If your client’s primary source of funds for retirement income is a 401(k) plan, they could be facing a harsh reality when it comes time to retire. ...