It is worth the time. The coverage is on an older client utilizing a permanent product, a sale that will result justifiable compensation for your extra effort.

This simplified sales process also allows for more profitable execution of a term sale which, given the lower premium size, is less cost effective for you in terms of commission revenue.

Even if clients have no current tax liability on their financial horizon they need to be reminded that the tax law “is a fickle food upon a shifting plate.” 

An executive bonus arrangement can meet an array planning needs if presented properly to the employer and comprehensively to the executive.

Many policies that are held in trust may be under-performing and do not have the underlying guarantees to ensure that the policy does not lapse prematurely and that the primary objectives for the insurance planning are obtained.

If you are wealthy, the “sunset provisions” in the new tax law have provided a new reason for speculation regarding your longevity.

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.

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.

There is a tendency in the planning process to focus on the matters of final arrangements, like wills and life insurance, and not give proper attention to the possibility of incapacity prior to death.

The fields are hardly white for harvest if an insurance advisor intends to get rich selling charitable-owned coverage.  Nonetheless, there are circumstances where carriers may look beyond the donation-multiple standard.