A serious health condition need not be a barrier to obtaining life insurance coverage.
Consumers want health care cost transparency when making insurance decisions.
Operating similarly to a bank or credit union, the premium financing solutions provider can loan money on the premium that can be paid back over an agreed-upon period of time.
Busting the six myths about consumers and direct mail.
Our state Senate wants to change an entire system, while risking incredible job loss, disruption, loss of choice and terrible confusion for senior citizens.
The latest Fed rate hike, announced in a statement after a policy meeting, comes as the U.S. economy is growing only sluggishly. Further slow rate hikes are expected going forward.
A focus on protection can lead to more life insurance sales.
What do you get for the coach who has it all? Term life insurance, of course.
Each generation has its own subsets with varying benefit needs.
Insurance agents and brokers have an opportunity to consider how the legislation could impact the market.
Building trust is the basis for client understanding.
Before recommending a fixed index universal life insurance product to your client, make sure you know exactly what that product offers
By Charles Juniper and Gavin Whitechurch It’s a challenging time regardless of the area of insurance in which you operate….
Those nearing retirement make a great source of clients and their number is expected to double over in the coming few decades.
Income tax filing season is stressful enough for clients, but the requirements of the Affordable Care Act add another dimension. Here is what your clients need to know.
Insurance brokers must help educate their clients’ employees on what they’re buying and what they’re going to get for their money.
This newly-enacted legislation opens the doors for an attractive alternative to group health insurance for small employers.
What antivirus software has in common with your annual flu shot.
The Department of Labor fiduciary rule is a game-changer when it comes to giving retirement advice. Here is how you can take advantage of the rule to help clients with their 401(k) plans.
Many seniors either haven’t heard of life settlements or don’t truly understand how these financial transactions work.
Too many younger consumers are getting the wrong message about life insurance. Here is how advisors can set them straight.
Here are some examples where function is driving form in the benefits industry.
A new report finds that third-quarter annuity sales totaled $51.3 billion, an 8.2 percent decline. What does it mean for the future of the industry?
A fiduciary standard for advisors will come eventually, says one industry insider, so it is best for the industry to comply now and not carry the risky expectation that the Department of Labor fiduciary rule will be repealed.
Even if you are one of the lucky few who actually earn some sort of compensation on ACA health plans, selling ancillary products could increase your revenue potential drastically.
Getting bonded may seem like a complicated and expensive endeavor. But it doesn’t have to be that way.
Participating whole life insurance can take financial risk away from a client while giving them an asset that will last forever.
Cost of insurance increases are a clear and present danger to your practice.
It is important to find a balance between the emotional aspect and harsher business nature of the process.
Finding opportunities to innovate in your marketing and new business efforts takes consistent, dedicated effort.
Millennials are the future clients for the insurance industry, but can they be the future agents?
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.