Underwriting Credits Help Make The Sale

Carriers use crediting criteria to improve your clients’ ratings.  The following case study shows how the identification and application of underwriting credits can significantly reduce premiums. Case...

Long-Term Care Insurance: Re-Envisioned

Eat your cake and have it too Clients today are looking for solutions with the flexibility to handle multiple financial needs in a variety of potential scenarios.  A common complaint about Long-Term...

The “Third-Tier” Of Income Protection For Top Wage Earners

The need for income protection in this country is clear – statistics show a common lack of personal savings amongst the majority of households.  And top earners are not immune. Although major corporations...

How To Successfully Use RMDs In Life Sales

Many argue that the best Super Bowl halftime show took place in Jacksonville, FL, some years ago.  In a forum known for mediocre performances that fail to meet the hype and fulfill the expectations, the lights...

No Adverse Underwriting For Family History Of Cancer

Family history of cancer can have an adverse impact on underwriting decisions despite a client’s own personal history of excellent health. While most carriers limit eligible rate classes for this particular...