2025 Social Security Income and Federal Tax Rates

2025 Social Security Income and Federal Tax Rates

As we step into 2025, understanding how changes in Social Security income and federal tax rates affect your financial strategy is crucial. For insurance agents and their clients, these updates present unique opportunities and challenges. Staying informed is the first...
Simplify Business Insurance Sales

Simplify Business Insurance Sales

IMS Associates’ Comprehensive Support for Insurance Agents Approaching business owners with insurance solutions can feel daunting, but it doesn’t have to be. Business owners represent a lucrative and often under-tapped market, making them ideal clients for insurance...
3 Ways Terrible Triads Ruin Tax-Free Death Benefits

3 Ways Terrible Triads Ruin Tax-Free Death Benefits

You only need to look at your last paystub to be reminded that, as long as taxes are around, what you “get” is not usually what you “get”.  But the nice thing about the death benefit on a life insurance policy is that the amount you see on the contract is what you get...
HOW TO INCREASE YOUR DI SALES

HOW TO INCREASE YOUR DI SALES

Full-Time Independent 1099 contractor groups are now eligible for multi-life discounts or Affinity Business Discounts. Typically the employee must be part of an employer group, work full-time, and receive W-2 wages to qualify for a multi-life discount. Now, small...
UNDERWRITING RECREATIONAL MARIJUANA

UNDERWRITING RECREATIONAL MARIJUANA

Did you know that Non-Smoker rate classes are available on marijuana use?  In some cases, Preferred Non-Smoker rate classes may be possible. Take a look at these potential rate classes for recreational marijuana use: 8 or less days per month may qualify for Preferred...
PREFERRED IS POSSIBLE FOR THYROID CANCER

PREFERRED IS POSSIBLE FOR THYROID CANCER

The thyroid is a butterfly-shaped gland located at the front base of the neck.  It produces hormones that regulate heart rate, blood pressure, body temperature and weight. Thyroid cancer occurs when abnormal cells grow in the thyroid gland.  The incidence...