Major Changes to Life Insurance Products Effective January 1, 2020 - What You Need to Know

What You Need to Know Two significant regulatory changes are affecting the Life Insurance Industry — Principle-Based Reserving (PBR) and a new standard mortality table, the 2017 Commissioners...

Executive Bonus - Enhanced To Show Quality

If you wanna feel better about yourself just do an Internet search on something like Celebrities Without Makeup, or Un-photo-shopped VIPs.  It will do your heart good to see how plain looking or, in some...

The Life Insurance Triple Play

When you mention life insurance to your clients, chances are the first thing they think about is protecting their families in case they should die prematurely.  Yet the reality is that they can face just...

Streamline Your Sales Process And Increase Your Placement Ratio By Improving Your Field Underwriting

We see many applications that were initially quoted and subsequently submitted using rate classes that the client has no chance of qualifying for - and it should be no surprise that many of these policies...

Asking The Tough LTC Questions

When you meet with your clients to fill out a Long Term Care application you are faced with asking tough questions. At times, not all clients feel comfortable telling you which medications they are on or why,...