This is seemingly the base definition of the purpose of insurance, but there are additional caveats based on the specific design of the products.

A product that has gained substantial traction is the Indexed Universal Life policy, a Fixed Life product that can offer clients the potential for growth and protection from market loss.

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.

Your client’s needs are changing each year and the task of making sure that they are adequately insured rests with you, the producer.

Consider coupling a Permanent Life Insurance Policy with a Long-Term Care Rider to affordably cover all your clients needs.

One way to help your clients effectively plan for their long-term needs is to discuss the term conversion option.

Your client’s needs are changing each year and the task of making sure that they are adequately insured rests with you, the producer.

Typically, business owners focus on day-to-day operations far more than on retirement, or on keeping the business going in the event of death.  Business owners need your help!

Life Insurance, properly structured, can be a valuable tool for clients to supplement their retirement planning efforts.

You have access to many products that can provide your clients with tax favored cash accumulation and if structured properly, will also provide for non-reportable, tax-free income.