Term Insurance is often used as a cost effective way to replace income, repay debts and/or provide a legacy in the event of a premature death. In addition to these great functions, there are certain term insurance products that can provide your clients with more comprehensive benefits while they are still...

Term Insurance is designed to provide coverage for only a specific duration of time (10, 15, 20, 30 years).  However, almost every term policy sold through us includes a provision allowing clients to convert their term policy into a permanent insurance policy – without requiring any new medical underwriting. One...

Premium financing has many variables to consider when analyzing it as a viable option for clients – but so does planning in general.  Oftentimes, premium financing is seen as having more inherent risk due to the fact that advisors do not fully understand the moving parts. Let’s start with the fundamentals,...