There is a way to keep clients covered, while at the same time saving them some premium dollars – and generating some commission dollars for you.

Show your clients how to utilize a 1035 exchange into a Term/UL hybrid product to lower current premiums or purchase a paid up policy.

Losing a loved one is already a difficult thing to manage. You can help to alleviate some of the stress by making sure that they will not need to worry about generating the necessary funds for final expenses.

There is a way to accomplish long-term growth and minimize the exposure to the increased volatility of the markets.

Producers selling IUL products and highlighting the ability to generate an income stream from the policy should have a thorough understanding of the loan provisions and be able to help their clients to better understand which feature is most appropriate. 

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.

Today’s insurance products are very different from past product offerings. We need to educate and share details of how today’s products can help solve the real life problems modern families face.

We can generate a detailed report unique to each client on the potential income gap between their dream income, and what they are actually going to receive in retirement.

Your clients could make some minor changes to their current IRA beneficiary designations to enhance their legacy.

Even though the Life Insurance marketplace is ever changing, there are time tested ways to help you to generate premium while providing a valuable service to your clients.