The landscape of the Life Insurance Industry is changing more rapidly than ever, leaving many producers to play perpetual catch-up when it comes to the latest products and guidelines. Many are quick to dismiss newer products such as Hybrid Term-UL or Equity Indexed Universal Life citing that they...

Term Life Insurance is generally purchased to replace the income of the bread winner of the family and to provide sufficient financial liquidity for the family to satisfy any outstanding debt, such as a mortgage or medical bills. These days, many clients are looking for ways to save money, and are cutting...

Policy review can be a great tool to get your foot in the door with a new or existing client. You will often find that the current policy is grossly underperforming due to the decrease in interest rates and that the policy is in danger of lapsing without increased premium payments. Upon review, if your...

As insurance advisors, we are often looking to sell our client’s products that will satisfy an immediate need or help them to reach a long term planning objective. As a result, the discussion concerning the need for Final Expense Insurance frequently does not take place until the clients later years...