Participating Whole Life – Why Now?

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whynow_pp2

In today’s world of financial uncertainty, participating whole life, and the guarantees it offers, may be an attractive option for consumers. Based on recent sales trends, clients are again considering participating whole life policies as a way to build cash value and offer a death benefit while they are focusing on raising a family. Although the primary use of life insurance is to provide a needed death benefit at the time of the insured’s death, it is important to remember that the … [Read more...]

Filed Under: Financial, Financial Planning, Life, Pick Right
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How to Create an End of Life Plan

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will

The Importance of an End of Life Plan: Nobody likes talking about the fact that some day they will die. However, not only is death a guaranteed outcome, but often times death occurs at an unexpected time much sooner than anyone anticipated. So given the fact that death is inevitable, financial advisors simply cannot overlook or ignore this all-important piece of an overall financial or retirement plan. Like so many families, when my family suffered the loss of a loved one, we faced the … [Read more...]

Filed Under: Estate Planning, Financial, Life, PickLeft
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The Hidden Insurance Sales Concealed Within Your Clients Federal Income Tax Return

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1040image

I’ve been a member of the Million Dollar Round Table (MDRT) for 35 years and earned 21 Court of the Table designations and 12 Top of the Table designations. Taking the time to learn the federal income tax return has helped me achieve my success. As advisors, we have honed in on the federal income tax return, yet many of us are unaware of the additional sales hidden within this extraordinary tool. The only way to achieve results is to know exactly what to review and what to discuss with your … [Read more...]

Filed Under: Featured Bottom Left, Financial, Financial Planning, Life, One on One, Selling Skills
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Tips on Selling Insurance to Small Businesses

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sellsmall

According to the Census Bureau, about three quarters of all U.S. business firms are non-employer firms, with the next largest group having one to nine employees. While those companies without employees account for only about 3.4 percent of business receipts, they still represent a significant market for business insurance, especially considering that only 14 percent have life insurance as part of their business-continuation plans, according to LIMRA’s “Small Business Owners 2009” … [Read more...]

Filed Under: Featured Middle Right, Group, Health, Life
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Your Guide to Living Benefits in Insurance Plans

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guide_slide1

“Living Benefits” has become the buzz phrase for companies marketing Critical Illness insurance plans and rightly so. But what exactly are living benefits and what is making them so popular as insurance products? Generally people only considered protecting their family in the event of their passing. With the advancement in medical technology we generally survive an event that used to take our life. Imagine someone has a Life Insurance policy with a $500,000 death benefit. This will pay … [Read more...]

Filed Under: Featured Slider, Health, Life
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Leaving a Legacy vs Retirement Income: How Whole Life Insurance Solves Both

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slider 3 leaving a legacy

Traditionally life insurance has been used to solve estate tax and business succession issues for the wealthy. This article addresses the non-traditional uses for permanent life insurance. Most people see insurance as a cost, not as a tool to help them with their success. Not a place to put money into for its value. Yet, life insurance, correctly planned, is a tool for success for the following reasons: Whole life insurance provides real value for the policy owner who owns the policy … [Read more...]

Filed Under: Estate Planning, Featured Slider, Financial, Life
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