The Risks to Clients’ Assets Without the Protection of Life Insurance

Although many people feel that they don’t need life insurance (or that they are adequately protected with only employer-sponsored coverage), the reality is that there is a long list of situations in which people could be leaving their loved ones with a substantial financial burden in the case of the unexpected. Read the rest of this entry »



Selling Life Insurance in a Price Conscious World

As humans, most of us have fallen victim to making the “impulse purchase.” This is particularly the case if the price of those items (that we think we need, but don’t) seems insignificant. Read the rest of this entry »



Protecting the Business Interests of Clients Using Life Insurance

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. Read the rest of this entry »



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

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 Read the rest of this entry »



The Ins and Outs of Life Insurance Policy Loans

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. Read the rest of this entry »



Leading Your Sales Presentation with Life Insurance Living Benefits

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. Read the rest of this entry »



Using Life Insurance for Multiple Client Needs

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. Read the rest of this entry »



Are Clients Running From Your Outdated Life Insurance Sales Techniques?

Regardless of whether you are a brand-new advisor or you’ve been involved in the life insurance industry for many years, it is still necessary to one way or another attract people to talk to about your products.

Oftentimes, agents will go through various training classes and exercises, in order to learn how to secure a first appointment, and from there, to move forward with methods for ultimately closing the sale. Read the rest of this entry »



Life Insurance and Taxes

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. Read the rest of this entry »



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

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. Read the rest of this entry »



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