What if you could guarantee a portion of your retirement savings at some point in the future? Here is a case study using John Smith, age 45. John’s mother, Mary, has recently turned 70 and is in average health (she takes a few medications to control her blood pressure and cholesterol). John is currently capped […]
Opportunity #1 – Protecting the Gaps in the Protection you have at Work (we have carriers that offer coverage up to $7500 per month in benefit without Blood/Urine/Exams) Many people who have Group LTD through their employer don’t realize that there are offsets which reduce the amount of coverage they receive – they don’t realize […]
Do you have any clients with a Low Cost Basis in their Annuities? If that client required Long Term Care – and you took withdrawals from the Annuity you would pay income tax on the gain before you were able to tap the Principal. We have an Annuity solution that can exchange that Annuity (or […]
Ever faced with an estate planning case that where Life Insurance would be the best resource to pay for a client’s estate taxes? Have you had the same scenario, but the client was uninsurable? When advisors are faced with an uninsurable they tend to walk away from the case; however, maybe you should be thinking […]
As Part 2 of this 2 Part Series, I would like to discuss strategies involving Corporate Split Dollar. These days it seems that advisors have gone astray from the Corporate and Business Markets and have focused mostly on pre-retirees and baby boomers, and after almost 10 years with the final regulations of Split Dollar being […]
Are you making the most of split dollar? Are you familiar with split dollar? What we are talking about in this segment is Loan-Based Private Financing -or- Intra-Family Loans for you marketers. Split Dollar has been around for years and it’s been almost 10 years since we have had the final regulations put out on […]
From time to time carriers announce Term Conversion campaigns from another carrier to their own carrier. Don’t forget, a lot of people sell term insurance year after year. Are you taking advantage of these opportunities? Do you know how? Many agents and financial professionals aren’t experienced with Term Conversions, and how to position a term […]
Do you have access to charities, churches, or other 501(c)3 organizations? What if you could show them a way to jump start their charity? Some organizations have taken this concept and turned it into a marketing mechanism, but the principles and fundamentals behind the concept can still be used. What if you could show a […]
One of the least talked about highest impact services you can offer your clients is Beneficiary Planning – yet so few advisors offer these services. Beneficiary Planning isn’t just talking about beneficiary designation on individual life insurance policies, but includes every asset! Retirement Accounts, Group Life Insurance provided by the Employer, Annuities, etc. – anything […]
