Blogs for the 'Financial Planning Sales' Category

Protecting the Business Interests of Clients Using Life Insurance

July 13th, 2018

If you have clients who own or operate a business, then it is likely that they are heavily relied upon for the company’s success – and that it could make for a big impact if they were suddenly no longer there.

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Will Your Clients Need to Worry About Student Loan Interest Rates?

June 13th, 2018

With the cost of a college education climbing higher every year, it is no wonder that more than 70% of all students graduating from four-year colleges have at least some amount of student loan debt. Depending on whether a student attends a public or a for-profit institution, this figure could actually rise to nearly 90%.1

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The Ins and Outs of Life Insurance Policy Loans

May 14th, 2018

There are many types of permanent life insurance policies that offer a cash value component. The cash value in a permanent life insurance policy typically earns interest or returns, allowing it to grow over time – and it can do so on a tax-deferred basis.

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Leading Your Sales Presentation with Life Insurance Living Benefits

May 4th, 2018

Although life insurance death benefit proceeds can provide financial security for an insured’s survivors, this financial vehicle can also be used as a tool for solving a wide variety of needs while the policy holder is still alive.

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Using Life Insurance for Multiple Client Needs

April 30th, 2018

If your clients have multiple coverage needs, then it is likely that they own a number of different insurance policies, such as life, long-term care, disability, auto, and home owners. It is also likely that they are paying numerous premiums in order to fund this array of coverage.

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Life Insurance and Taxes

April 6th, 2018

Throughout life, there are many constants – and one of those is paying taxes. We typically pay tax on the items and services we purchase, as well as on the income that we earn, and on the gain that we receive on many types of investments.

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Can a Modified Endowment Contract Help College Bound Students with Needed Funds?

March 26th, 2018

Today, the cost of a college education can far exceed that of even a mortgage. So, when clients are working to save for a child, grandchild, or other loved one’s future education, they are oftentimes looking for strategies that can ensure that regardless of what happens, there will still be money readily available. One way to provide for that is through permanent life insurance – particularly with policies that are deemed as Modified Endowment Contracts.

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Have Clients Who Think They No Longer Need Their Life Insurance?

January 29th, 2018


Have Them Think Again.

Within your book of business, it could be that you have clients who, for any number of reasons, possess life insurance coverage that they feel is no longer needed. Yet, even if the initial reason for purchasing their current coverage is not valid anymore, there can still be a number of very good reasons for them to either keep their coverage and use it for different financial goals, or even to exchange their present policy in order to better fit their current needs…one of which could be to help a child or a grandchild with funding their future college education costs.

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Does Life Insurance Fail as a College Savings Vehicle?

January 22nd, 2018


In the overall realm of financial services, you would be hard pressed to find anyone who truly revels at the thought of talking about life insurance. One reason for this is because most people don’t want to dwell on what it would be like when they are gone.

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How to Set Yourself Apart in Your Clients’ Minds

January 8th, 2018


Regardless of how long you have been involved in the insurance business, you are likely well aware that there are many, many other insurance and financial professionals who are offering the exact same products and services that you do.

So how is it, then, that some of these advisor’s struggle from one month to the next, while others seem to effortlessly earn top dollar?

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