I’m often asked, “What is the best indexed universal life insurance policy?” The appropriate answer is not as simple as naming a manufacturer and their newest product. If I were to rephrase their question, I think it is best to ask, “How should I select a life insurance product for my client, and what key factors should I consider?”

Posted Mar 07, 2018

The days when anyone, besides royalty and oil barons, could live off of the interest from certificates of deposit are gone. Today's low CD rates and rates on other savings vehicles could cause retirees to run out of money before they run out of life.

 Not only is it not possible to simply collect interest on savings, retirees can no longer...

Posted May 03, 2013

Whether a woman is a stay-at-home mom or out in the workforce, the VALUE of her contributions to the family should not be underestimated.

The questions that come to mind are, “What would happen to the family if mom wasn’t around? Who would manage the day-to-day housekeeping, the laundry, driving kids to and from their activities, preparing meals, etc?”

Posted Apr 15, 2013

Your clients, Betty and Bob, are both 65. They are looking to you as their advisor to map out a financial plan that gives them enough funds to last both their lifetimes and/or one of their lifetimes.

Therefore, you need to know the likelihood of both or one living to age 75, 85, 95 or even 100. Knowing that probability acts as a guide to ensure they have the required sum of money set aside if they live to a healthy old age.

Your clients, Betty and Bob, are both 65. They are looking to you as their advisor to map out a financial plan that gives them enough funds to last both their lifetimes and/or one of their lifetimes.


Therefore, you need to know the likelihood of both or one living to age 75, 85, 95 or even 100. Knowing that probability acts as a guide to ensure they have the required sum of money set aside if they live to a healthy old age.




Posted Feb 07, 2013

We are looking for a few good high-producing agents who will grow with us. We can help you grow your business significantly -- you will find your relationship with us to be extremely rewarding and worthwhile. We are one of the top producing, fastest-growing financial marketing organizations in the United States. We offer top GA commission payout, free Errors & Omissions coverage, and "Positively Outrageous Service!”

Posted Feb 05, 2013

As any agent or advisor will admit, it can be difficult to explain the full gamut of life insurance products to potential and current clients. This is one of the reasons term life insurance has emerged as the go-to product for many producers. It’s easy to explain. Clients are comfortable with its simplicity, and the price point is attractive. In fact, according to LIMRA, more than 50 percent of carriers wrote more new term premium in the first quarter of this year than they had in the first quarter of 2011.

Posted Nov 08, 2012

Over the last few years, corporate scandals, bailouts, and bankruptcies have greatly damaged investors’ trust in some of the country’s largest public companies. However, even today, many corporations are models of

Posted Jul 19, 2012