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...

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...

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...

Companies that inquire about business evaluations are usually looking to learn how much their company is worth – and find business solutions through life insurance.  These solutions range from exit planning, business protection, transferring wealth to the next generation, and even retirement planning. Recently,...

Every client is different. Every client’s needs, goals, family situation, budget, risk tolerance, health, and protection concerns are unique. What motivates your clients? And why does it matter? Two big reasons why you want to learn what truly matters to your clients are: 1) You can better design...

Getting younger, millennial clients to focus on setting money aside for insurance planning is easier said than done. New, younger families have to make significant financial decisions early on – and while they are deciding between housing costs and making monthly payments, insurance planning falls...

Life insurance planning for your clients who can consistently make a monthly payment to a permanent life insurance policy has never been more rewarding than it is today. Permanent policies that grow cash value on a tax deferred basis, provide monthly long-term care benefits, and secure a strong death...

Now more than ever consumers are looking for affordable options when it comes to protecting their financial futures. Today Americans are living and working longer than ever. In fact, many people are working past 65 to maintain their current lifestyle. With the introduction of Legal and General’s...