Without the ability to charge higher premiums for higher levels of maximum-benefit coverage, insurance companies are struggling to survive.
Employees need different types of coverage as they progress through the stages of their working lives.
The popularity of crowdfunding sites such as GoFundMe is not a substitute for doing proper financial planning and having life insurance in place.
Encourage clients to follow these best practices to help keep beneficiary designations up to date and prevent issues that could slow the payout process.
Small-business owners who think that selling their business will fund their retirement may be in for a rude shock. Here is how you can set them straight.
The customer experience begins at the time when they learn about your product. When you understand these customer touch points, you can use them to provide the best experience for your clients.
Retained life benefits are the newest twist in life settlements.
Three women give their views on how the industry can better recruit other women as advisors as well as better serve women who need professional advice.
This relatively new type of coverage can protect third parties from losses resulting from an individual’s suicide death.
You must find the comfort point between building interest and excitement while also being persistent and honest with your prospect.
LGBT market estimates range from as low as 9 million to as high as 18 million adults age 18 and older, many of whom say they need help with financial decisions.
Premium financing on existing life insurance policies could be an opportunity for advisors.
Here are the root causes of why employees don’t get the job done, and what you can do about it…
It’s not enough to help your clients plan for their estate. Help them avoid making a disastrous executor choice…
With the growing complexity of the benefits marketplace and a shifting regulatory environment, employers are increasing their reliance on knowledgeable
Advisors are turning to planning strategies that are equal parts offense and defense — and deferred income annuities are playing
How a new variety of annuity combines the appeal of indexed products with the simplicity of a traditional annuity…
New developments in longevity research could lead to significant changes in the way life insurance is underwritten…
The decision to purchase life insurance is a big one…
the foundation of your thinking on pain vs. gain selling…
In this Annuity Awareness Month, awareness is pivoting toward the Department of Labor’s fiduciary rule, which will affect at least
Dan Seidman, author of The Ultimate Guide To Sales Training, discusses how to tell the difference between pain-motivated and gain
Here’s an option for your clients who self-insure their employee health benefits.
The loss of commissions on individual health plans can lead to expanding the customer relationship into other lines of business.
Advisors wooing Gen X, Gen Y and millennial clients would do well to remember that baby boomers remain kings of the asset world, says our Cyril Tuohy. Boomers will eventually liquidate $59.4 trillion.
Many financial advisors overlook the opportunity to discuss life insurance with clients.
Simple ways to boost your online business and increase your overall chance of success.
Why is the Department of Labor seemingly unconcerned with potentially high fees associated with 401(k) plans? Instead, regulators went after IRA money.
How can you make a bigger impact on your niche? By using ‘relationship marketing’ to influence your influencers, says one successful California advisor.
The life insurance industry’s current business model is not working. But it’s not too late to change course.
Family offices are not just for the mega-wealthy anymore…
It’s not enough to help your clients amass enough money to hand down to the next generation. Wealthy clients need
Just because someone has a nationally broadcast radio show doesn’t mean he has the right answers on life insurance…
Long-term care policyholders who take advantage of wellness initiatives may find lower premium rate increases as a result…
The next generation of high-net-worth investors offers a financial “sweet spot” for wealth managers…
Clients who have formal written plans are more likely to consider asset consolidation and explore their options for generating guaranteed
The final version of the Department of Labor’s fiduciary rule contained a few surprises. We break it down to show
Prospects frequently are put off by the word “retirement” and its negative implications. Here is how you can encourage clients
Here is how to keep the language straight in an annuity sale — and make sure clients know what they’re
Achieving success is much more than just thinking big. That’s the word from Jeffrey Hayzlett, who bought and sold 250
A fixed deferred annuity offers flexibility for investors whatever their financial goals or current life stage…
News reports about life insurers failing to notify beneficiaries don’t address the real problem of verifying information.
The world does not look like it did back when you started selling…
A nine-point checklist to see whether establishing an onsite health center is the best way for your group health clients to serve their workers.
Women have so much to offer the financial services industry. But the industry could do a better job of positioning itself in such a way that women want to be a part of it.
Talk to your clients about Social Security claiming strategies, before it’s too late.
A number of financial services trade groups were quick to give their responses to the Department of Labor’s fiduciary rule. Here is a sampling.
By Jason Frain As Americans continue to live longer and financial markets remain unpredictable, many retirees and preretirees are deeply…
We’ve all heard stories of world-class athletes who earned a fortune during their careers but ended up broke. How does
Don’t treat the youngest ones like juniors, but don’t call the oldest ones seniors…
If your client is thinking about changing legal residency from a high-tax state to one that levies lower taxes, there
Many workers believe their employers could go further in the diversity of voluntary benefits offered in the workplace…
Analysts say the Department of Labor rule will have its heaviest impact on the variable annuity market.
Where fixed index annuities are concerned, the independent producer sales channel has almost reached a saturation point, according to a
Some observers say Actuarial Guideline 49 will install some long-overdue corrections to what they describe as questionable behavior.
Life insurance can provide a way to transfer family assets from one generation to another without running afoul of the
We all have a superpower. But how will the rest of the world ever know what it is if you
The real battle over the Department of Labor’s fiduciary rule might be just getting started…