Asking the right questions can help uncover information to create a plan should your clients be out of work due to an illness or injury.
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Providing a secure future for families across America since 1974
Asking the right questions can help uncover information to create a plan should your clients be out of work due to an illness or injury.
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The sad truth is that if your clients do not take the time to plan correctly the government is poised to do it for them poorly when the need arises.
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Life Insurance conversations with millennials need to shine light on the future benefits a life policy can offer.
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One of our A+ carriers no longer looks at total cholesterol in assessing risk but reviews only the cholesterol/HDL ratio instead. Now clients with high total cholesterol but lower, favorable ratios can still qualify for best rates.
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A Controlled Executive Bonus Plan, also known as a Restrictive Executive Bonus, or Section 162 plan, is an agreement between an employer and its key employee(s) to provide a death benefit, supplemental income, and now includes long-term care benefits.
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As an advisor, it’s important to not only help your clients plan for the future they desire, but to also help protect it. And the best place to start is by protecting their income.
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When helping a client implement third-party ownership of a life policy with an LTC or chronic illness rider the client must be pressed to get the advice of a tax advisor.
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Existing reserving formulas have been the same since before the original roaring 20s. Time for an upgrade, I’d say. The new PBR considers the vastly upgraded and diverse products available to clients today, ensuring that carriers reserve appropriately for each policy block needed to pay future claims.
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One of our top rated carriers made changes to their wellness crediting program to automatically give clients who maintain a healthy lifestyle the potential to be upgraded to a better underwriting offer and price.
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