Life Insurance

Using Life Insurance for Charitable Planning

By combining charitable giving with life insurance planning, clients may be able to preserve personal wealth while supporting an organization they care about. See how to use an existing policy, when to consider a trust and other key factors to review.

Steven Gates

May 2024 • 6-min read

Retirement Solutions

Maximizing Returns and Mitigating Risk: Unlocking the Advantages of RILAs

Explore how Registered Index-Linked Annuities (RILAs) offer unique advantages, including higher cap rates, downside protection, tax-deferred growth, probate-free benefits and diverse index choices. Learn how to position RILAs as bond alternatives, increase return likelihood and transfer risk effectively in qualified accounts.

Brendon Kelly

April 2024 • 4-min read

Life Insurance

4 Hidden Benefits of LIRP (plus the unhidden tax advantages)

Even though it takes a backseat, a life insurance retirement plan (LIRP) has more to offer than tax advantages. Uncover four other key benefits and discover how life insurance can be a versatile tool in crafting comprehensive retirement strategies for high-net-worth clients.

Thomas Losher

April 2024 • 3-min read

Retirement Solutions

Decoding Market Behavior: The Electoral Influence on U.S. Stock Performance

With a presidential election comes uncertainty surrounding stock market performance. But, there are trends to look for before, during and after election cycles that can help you make informed decisions and guide clients toward financial success.

Mike McGlothlin

April 2024 • 2-min read

Long-Term Care

Long-Term Care with a Death Benefit

LTC insurance can help protect a portfolio from the cost of care, but product complexity can be intimidating. When the goal is to plan for long-term care, repositioning how you think about hybrid linked-benefit solutions could make a big difference.

Matt Stieglitz

March 2024 • 4-min read

Retirement Solutions

Leaving a Legacy Without Medical Underwriting

Incorporating annuities into your client's retirement plan ensures financial security and paves the way for a lasting legacy – all without the hassle of medical underwriting. Uncover more benefits and unlock the full potential of annuities.

Brendon Kelly

February 2024 • 2-min read

Disability Insurance

Decoding Disability Insurance Underwriting

Morbidity vs. mortality are two different risks. If your client has applied for life insurance, they may get a completely different rate class when applying for disability insurance. Find out where the products align or differ and which clients make good prospects.

Tim Kukieza

February 2024 • 6-min read

Life Insurance

3 Ways FlashTerm is Redefining Term Life Insurance

Term life insurance shouldn't be a cumbersome process. Speed is the new name of the game. Simplicity is our mission. Accessibility is our promise. Get the story behind our collaboration with Legal & General America on their new instant term product, FlashTerm.

Tim Ash

February 2024 • 3-min read

Long-Term Care

Offsetting the Cost of Care with Traditional LTC

Unlike linked-benefit policies, which combine life insurance or annuities with LTC coverage, traditional LTCi dedicates its entire benefit to long-term care expenses. Explore why your clients might choose traditional LTCi over other care solutions.

Matt Stieglitz

February 2024 • 5-min read

Disability Insurance

Essential Disability Buy-Out Tips for Business Succession

If a disability of a partner leads to a buy-out, it's essential to have a plan. It starts with understanding the differences between disability insurance and other business success planning and the decisions that will need to be made for a DBO policy.

Tim Kukieza

January 2024 • 3-min read

Life Insurance

Solutions for Every Stage of Life

As a financial planner, you set yourself apart by being there for all your clients' financial needs. But when those needs call for insurance, it can be intimidating to know what to suggest. Well, good news! The holistic planning resources you need are just a click away.

Sam Rocke

September 2023 • 3-min read

Retirement Solutions

How to Become a Counselor for Your Clients

There's a big difference between completing a transaction and offering counsel. The latter is what gives you value. And transitioning into that counselor role isn't as challenging as you may think. It's all about asking the right question

Jim Dobler

July 2023 • 5-min read