Blogs for the 'Financial Planning Sales' Category

Can Life Insurance Really Pay for a College Education?

December 4th, 2017

Many parents – regardless of whether their children are newborns, toddlers, grade schoolers, or even in their early high school years – worry about the consistently rising cost of college education. And this is a very viable fear.

According to Inside Higher Ed, one year at a public two-year college, for the 2017-2018 school year, averaged $3,570, while private non-profit four-year institutions averaged nearly $35,000 per year.1 So, over a four-year time period, many parents could be facing a price tag that rivals that of a home mortgage…or worse.

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Tax Implications of Using Life Insurance Cash Value for College Expenses

November 17th, 2017

When considering the use of life insurance as a college savings vehicle, many people think only of the death benefit proceeds, and in turn, they have the belief that someone has to die in order to “benefit” from the plan.

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Using Life Insurance to Save for College?

November 10th, 2017

The Policy Used Can Make a Difference

With the cost of a college education raising rapidly, parents and other loved ones who want to help out with a child’s future college expenses are seeking options. One of those possibilities is using life insurance.

But, while this financial vehicle can provide numerous college savings-related advantages, not all life insurance plans are created equal. So, it is important to ensure that clients who opt to use life insurance for college education costs are going with the proper option for their needs.

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The Importance of Discussing Goals, Expectations and Risk

December 11th, 2014

Delbar’s 20th annual Quantitative Analysis of Investor Behavior Report came out earlier this year. As always, it’s a revealing portrait not only into core statistics of mainstream investors, but also into the foolish mindset of most investors.

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Are Life Insurance Policies for Children Really Worth It?

September 4th, 2013

Most couples don’t usually dip their toes into life insurance until they are just starting off – usually before or a little after their family starts growing.

Life insurance coverage for mom and dad is a no-brainer. Should anything happen tragic happen to either off them, the widow and children would have income protection when the world around them seems to be collapsing.

Life insurance for children isn’t as cut and dry.

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The Line Between Being “Salesy” and Being Real

July 18th, 2013

For some business owners, the art of selling is exactly that: pure and authentic art.

It comes natural to them and they do it without effort – much like Jimmy Page (lead guitarist for Led Zepplin) deciding on whim to play a spellbinding guitar solo.

For some, it’s a forced effort that comes across as robotic or canned. You know it. Prospects know it.

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How To Get Out Of A Sales Slump

May 31st, 2013

I don’t care how good you are at selling. You will have cold streaks from time to time. We all do.

That’s why it pays to have a strategy for dealing with it.

Here are a few things you can do to get out of a sales slump…

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How To Get Prospects To Believe, Respect, and Trust You

May 17th, 2013

One of the best sales techniques on the planet is to ask powerful questions.

Asking questions is an absolutely critical element of your sales presentation. Questions engage the brain. They keep a person attentive to a discussion. In fact, good questions will turn a discussion into a conversation.

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This “New” Asset Class Provides Stability To Any Portfolio

January 18th, 2013

“You must be very patient, very persistent. The world isn’t going to shower gold coins on you just because you have a good idea. You’re going to have to work like crazy to bring that idea to the attention of people. They’re not going to buy it unless they know about it.” 

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Is Indexed Universal Life the Most Over-Hyped Policy Ever Created?

January 4th, 2013

A good friend of mine is a wholesaler with Met-Life.

The other day he called to tell me about this hot-new insurance policy his Advisors were selling, called “Indexed Universal Life.”

He went on and on about how great the benefits were. Tax-free withdrawals. No downside risk. Stock market gains. Etc… 

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