Many clients worry about whether they have “enough” saved for retirement, but a more compelling question to ask your client is whether they have a strategy in place for increasing their retirement income. While your clients are trying to prepare for retirement — mostly by saving and properly investing for it — they may overlook an important consideration. Retirement planning needs to include tax diversification. This is especially important because more than a few people will be retiring in a higher tax bracket than they’re in right now.
Inside this month’s edition of The Digest are tools and resources that can help show you how to incorporate life insurance into a client’s retirement plan to create tax diversification.
May is Disability Insurance Awareness Month, please review this case study on the importance of discussing DI with your clients.
What does the future hold? A question none of us can predict but one that we, as financial professionals, are looked upon to help our clients adequately plan for by ensuring that the proper protection are in place for the potential unknown risks of tomorrow.
May is Disability Income Awareness Month and our focus of this edition of The Digest. Click below for access to DI sales ideas, case studies, and calculators along with a number of other resources designed for financial professionals who are looking to grow their business!
The use of data and AI continue to enhance the way companies are underwriting applications for life insurance. This improves the experience for financial professionals and their clients who are able to meet the minimum health requirements to qualify for accelerated underwriting programs. Accelerated underwriting programs are aimed at generating an offer for coverage at a much faster pace, allowing clients the ability to bypass the more invasive traditional underwriting process that required exams, medical records, and lab tests.
In this month’s edition of The Digest, learn how Accelerated Underwriting is delivering success and how you may be able to provide your clients a faster, more pleasant underwriting experience.
History has proven that the only sure thing we can count on with the tax code is that it will change. It’s important that financial professionals remain fluid with their approach to retirement planning with their clients and regularly review their clients’ existing plans, including permanent life insurance policies, to ensure they’re kept current with the changing tax environment.
Inside this month’s edition of The Digest are tools and resources that can help show you how to incorporate life insurance into a client’s retirement plan and create tax diversification.
In the life insurance industry, February is known as Insure Your Love Month and the perfect time to educate your clients that life insurance isn’t for them; it’s for those that have to carry on without them.
Getting life insurance is a simple act of love, and it clears the financial path for loved ones to carry on. Inside this month’s edition of The Digest includes many tools and resources that can help determine your client’s life insurance needs.
November is Long-Term Care Awareness Month and the perfect time to educate your clients about the importance of Long-Term Care “LTC” planning.
Today, 7 out of 10 Americans turning 65 will need long-term care during their retirement, and the financial burden of paying for this care out-of-pocket can be crippling. In recent years, insurance companies have created new, affordable options for clients to purchase Long-Term Care coverage by making it available as a stand-alone product or as a rider that can be added to the life insurance policy.
It’s important to understand the options that are available, and this month’s edition of The Digest includes a number of tools and resources that can help.