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

Life Insurance can be used as a powerful tool to leverage Social Security payments for future generations.

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.

Understanding the different options available is the key to making the best decision for your client.  Most IUL policies allow for either fixed or variable loans.

Join us for a Webinar!  “Executive Bonus Planning Utilizing Life Insurance” on Friday, April 24, 2020, from 11.00 – 11.30 AM PST.

One way to help your clients effectively plan for their long-term needs is to discuss the term conversion option. By completing a conversion application, the client can change their coverage from a Term plan to a Permanent policy without any additional underwriting.

Clients want to make the best financial decisions for their families, but will the “best” decision for today meet tomorrow’s needs? In times of uncertainty like these, clients need flexible planning strategies that can change when their needs change.

John Hancock and Vitality worked quickly to make it easy for clients to earn points for workouts that can be done from the safety and comfort of their home.

There are a number of events that can trigger a need for additional Life Insurance such as the purchase of a home, the birth of a family member, a marriage or divorce and even a promotion at the office.