Blog Archive

What Would a Life Insurance Policy Actually Pay For?

Most consumers understand that life insurance is used to provide a lump sum of money (a death benefit) upon the death of the person or Read more...

Exploring Tax Benefits Related to Life Insurance and Annuities

Monday, April 15th is fast approaching. Before we know it another tax season will have come and gone. With many individuals now looking forward to Read more...

Longevity Risk and American Retirement

Longevity Risk: the risk that a man or woman may live long enough that all of the hard-earned funds they’ve set aside for retirement are Read more...

Navigating Clients Through 401(k) Taxes with the Help of Tax Neutralizer

Let’s start at the beginning of the 401(k) taxes issue: many people with 401(k) and IRA balances don’t realize that they owe taxes on their Read more...

IULs, A Powerful Resource for the Future

The landscape of American household debt continues to change with cultural shifts and the economic moment. As of last year, those changes featured a large Read more...

10 Financial Problems to Watch Out for When Dealing with Millennial Clients

The Millennials are officially old enough to take over the workforce and start financial planning. Are you ready for them? Whatever the answer, many among Read more...

Student Loan Debt and How IUL’s Can Help

The Secure Retirement Institute at LIMRA (formerly the Life Insurance and Market Research Association) has found that Americans under age 35 have more than tripled Read more...

8 Strategies to Help Agents Overcome a Sales Slump

If the occasional sales slump was simply a matter of spreadsheets, reports, and projections, it would be bad enough. But sales results is also a Read more...

Most Americans Aren’t Saving Enough for Retirement 

Retirement dreams come in all shapes and sizes, however, there are a few “staples” in this dreamland that most of us want to be a Read more...

Strategies Producers Can Use to Seek New Business

Finding and closing new business is one of the most important, if not the most important responsibility for new agents. Unfortunately, there is no simple Read more...

A Six-Figure Income May Not Shield You From a Shock But an IUL Might

For some, living on a six-figure income is part of the American dream. At that point, you might not be rich but you may be Read more...

Will Taxes Effect Your Retirement?

A retirement saving plan and a retirement income plan are two different things, and not everyone is knowledgeable about the difference. A recent study by Read more...

The Annuity Puzzle and Decumulation Challenges

The late 1970’s and early 1980’s introduced the rise of defined contribution plans, and since then many professionals and academic researchers have focused on helping Read more...

Could Tax Changes to Qualified Funds Demand more Life Insurance Sales

Reviewing part of the recent Retirement Enhancement and Savings Act legislation (RESA for short, H.R. 6757) one may be alerted to some potentially negative effects Read more...

How an IUL Can Help You Save and Protect

In the last few years, a trend in American spending has risen. Not only are Americans spending more, the boost in spending is mostly on Read more...

Why People Don’t Buy Life Insurance (and Why They Are Wrong)

Life insurance is a term that most everyone is familiar with. Some hear about it from their elders as they grow up, some may first Read more...

What Resources do People Use to Find Information About Life Insurance?

September is Life Insurance Awareness Month! There are various resources available to consumers to aide with this awareness, so they can better educate themselves on Read more...

The Pension Crisis Continues – Are Pensioners Ready?

One area of concern that we closely follow is the funding of, or rather, shortfalls that many pension funds are now experiencing. A large number Read more...

Becoming Financially Fit

What do you think of when you think of the term “financially fit”? Most people would probably associate it with being wealthy, but being wealthy Read more...

You Probably Need More Savings than You Think

Many Americans falsely assume that Social Security will cover the bulk of retirement expenses. Unfortunately, Social Security benefits have been shown to cover about 40% Read more...

Diversify Your Retirement Savings

Many Americans will use traditional retirement savings plans like 401(k) and IRAs for the bulk of their retirement savings. Often times these plans are offered Read more...

The Dangers of Borrowing from Your Retirement Plan

Life is unpredictable for everyone and many run into situations in life that are unexpected, difficult, and financially trying. It’s in these instances you may Read more...

Why Middle America Could Become a Top Priority

The “American Dream” is a national ethos of the United States; the set of ideals in which freedom includes the opportunity for prosperity and success. Read more...

Life Insurance and Newly Weds

June is widely known as the kick off to wedding season! That means there are plenty of couples out there currently planning every detail of Read more...

Financial Expectations of Millennials

Baby Boomers have started entering retirement and their sway in the work force is waning. Generation X is still active, though they accounted for only Read more...

Retirement Confidence: Retirees vs Workers

The Employee Benefit Research Institute conducted its 28th annual survey in January 2018 to measure the strength of retiree and worker confidence about their own Read more...

Pushing American Retirement Savings into the Best Shape Possible

In a recent IFN blog we highlighted the fact that America’s retirement score was at an all-time high coming in to 2018. Overall, American households Read more...

We’re Hiring in Minnesota!

Are you ready to take your career to the next level? Are you someone that loves staying busy and keeping organized? Do you have a Read more...

Join us during our next free IUL University!

Life insurance sales haven’t been great lately — policy count has declined in six of the last 10 years, according to LIMRA. However, index universal Read more...
Understanding Pension Risk

Understanding Pension Risk

A recent study by the federal government¹ has shown that as many as 1 million people are at risk of losing their federally insured pension Read more...
Money Mistakes in Retirement

Money Mistakes in Retirement

A recent forbes.com article talks about money mistakes in retirement (http://onforb.es/KDiaEe). The first item on the list is to make sure retirees have tax-efficient strategies Read more...
Working with Younger Clients – Life Insurance Opportunities

Working with Younger Clients – Life Insurance Opportunities

I have observed in my meetings with producers and agencies that producers are trying to work more and more with older age clients only. This Read more...