Making gifts to institutions, like universities, hospitals, faith-based organizations, or non-profits, is a great way to utilize accumulated wealth and enhance your client’s legacy. Giving directly can significantly reduce the amount of assets ultimately passed to family members and other loved ones. Discount...

In addition to its primary purpose of death benefit protection, cash value Life Insurance offers tremendous value and flexibility that can address multiple needs that change over time. As financial professionals we need to remind ourselves about the many features and benefits offered by Life Insurance...

We committed to highlighting important needs that producers can address with insurance based solutions. The following example is one of many Keep It Simple concepts that one of our strategic carriers has developed to help producers recognize opportunities and meet client needs utilizing Life Insurance. Common...

Does your client worry about how a large lump sum death benefit will be spent once they have passed? Life Insurance can pay out an enormous amount of money in a lump sum deposit to the beneficiary, giving them more money at one time than they have ever had. This raises the question of how will that...

In today's economy, some of your wealthier clients may be hesitant to purchase Survivorship Life Insurance coverage due to uncertainty, either in the market, estate taxes or their family's circumstances.  There is another way to cover their insurance need without the finality of a Survivorship plan...

Providing a needs-based analysis to customers helps them understand how life insurance can work for them and their families. Three-quarters of shoppers who received a needs analysis bought life insurance. When a needs analysis was not completed, less than half of the prospects purchased life insurance. A...

Losing a loved one can be devastating to a family, both emotionally and financially.  While it is almost impossible to prepare for the emotional challenge of death, it is much easier to prepare for the financial challenge when adequate life insurance coverage is in place. More than half of Americans...

Are you working with wealthy clients that are at or near retirement age?  If so, some of these clients may be collecting Social Security income benefits that they don't need. Life Insurance can be used as a powerful tool to leverage Social Security payments for future generations. Here is a case...

Someone who loves and cares for a family member with special needs may be concerned about ensuring that their loved one continues to receive the care he or she needs throughout their lifetime. How can you build a foundation for the future of your client's family member with enough resources to maintain...