02 Jul 2019
Posted by Sean Farrell 
Do you have clients who are married and one or both of the spouses are a resident of the U.S. but a citizen of another country? Did you know that if their aggregate net worth is larger than one individual’s applicable exclusion amount, they could face a challenge in the planning of their estates that...
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11 Mar 2019
Posted by Sean Farrell 
Do you have clients that originally purchased a Deferred Annuity to find that they no longer need it for retirement income purposes? Often, these clients intend to “leave it for the kids.” Although a Deferred Annuity is a great vehicle to accumulate funds for retirement, it is not an efficient vehicle...
Read more → 14 Jan 2019
Posted by Sean Farrell 
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...
Read more → 07 Jan 2019
Posted by Sean Farrell 
Clients in their 40s and 50s buying Life Insurance policies today with an LTC rider, may not even activate that rider for another 20 or 30 years, so having an increasing LTC monthly benefit provides great value. The Genworth 2017 Cost of Care Survey stated that LTC expenses increase 3-4% every year,...
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19 Nov 2018
Posted by Sean Farrell 
Do you have clients with a need for life insurance, but who refuse to submit to an exam? The solution is EquiTrust’s Single Premium Simplified Issue Life Insurance – a single premium life insurance policy that has a return of premium feature, accelerated benefits riders, and cash accumulation crediting. No...
Read more → 05 Nov 2018
Posted by Sean Farrell 
A Buy-Sell Agreement is used to protect the surviving owners of a business when one of the owners dies. The agreement determines a fair value for the business and to whom the business can be sold. Buy-sell agreements are missing an important component to the plan What would the business do if something...
Read more → 27 Aug 2018
Posted by Sean Farrell 
Placing the right policy, for the optimal amount, with the correct details, can be more challenging than it seems. Learning the common pitfalls and how to avoid them will not only help your clients get the coverage they need, but will also help you become a better producer. Principal released an article...
Read more → 04 Jun 2018
Posted by Sean Farrell 
In today’s competitive job market, business owners are looking for ways to retain key talent. Did you know there are Life Insurance based plans business owners can use to reward these vital employees? An Executive Bonus Plan allows a business owner to select who they reward with no discrimination...
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12 May 2018
Posted by Sean Farrell 
The opportunity for clients to significantly lower premiums (up to 15%) on their policy coupled with financial incentives towards entertainment, shopping, and travel is something the industry has never seen. The John Hancock Vitality Program has completely changed how we position life insurance planning...
Read more → 26 Mar 2018
Posted by Sean Farrell 
Life Insurance can be designed to meet your clients’ changing needs using features such as flexible death benefits and flexible premiums. In addition, Life Insurance can also be designed to help establish and grow a college education fund. Using features, such as death benefit protection, can create...
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Life Insurance 101 In Just Three Sheets
Annuity Rate Increase
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