Retirement Concerns and Risks for Effective Agents to Consider

People’s insurance needs evolve over their lifetimes, and an insurance agent who understands these changes is poised to be a relevant and effective advisor. In particular, it is increasingly important that agents have a clear understanding of Longevity Risk, the risk of a retiree outliving their assets, as well as possible solutions to address it. Longer Life Expectancies Average life expectancies are now 4 years more than they were in 1990, and, Read more...

Here’s How You Can Turn Life Insurance Misconceptions into a Positive with Your Clients!

Learning to manage finances and plan for a secure future can be one of the most difficult challenges of adulthood. Consumers often receive conflicting advice Read more...

7 Reasons for High Life Insurance Premiums

Often times, it can be hard for life insurance applicants to understand what goes into their quoted rates. Ultimately, however, those rates are based on Read more...

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...

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