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It began simply enough: just a cup of coffee, two people and a dream. Those dreamers were David and Nancy Ellis, husband-and-wife founders of Life & Annuity Masters. And the one thing they knew for certain sitting around the kitchen table that morning more than 25 years ago was that the benefits every other agency boasted just weren’t good enough for Life & Annuity Masters’ agents — or their clients. So, they set out to develop one of the premier insurance organizations in the country that focused on agents and their business.

Legal & General America’s guaranteed level term series, OPTerm, meets the market need for a simple, straightforward, affordable protection product. With options for 10 to 40 years of coverage, OPTerm can accommodate the unique needs of clients at most stages of life. New 35- and 40-year term durations allow customers to purchase low-cost coverage that can last into retirement and beyond.

Women Empowering Financial Independence (WEFI) is empowering women in the insurance industry by helping them build their own businesses using the WEFI platform, which focuses on promoting financial literacy among women and girls. Using their unique playbook, WEFI is creating wildly successful entrepreneurs and hanging the face of the insurance and financial industries — literally. READ MORE.

Global Atlantic’s Wellness for Life rider gives owners of permanent life insurance policies discounts on in­surance costs if they visit the doctor at least once every other year and manage their weight within a range determined at the time they purchase their policy. While some were initially skeptical of consumer acceptance, Global Atlantic has issued more than 50,000 of these wellness riders since the program’s inception. Now, the rider is available on all eligible policies at no charge, making it even more attractive to consumers seeking to save on their life insurance policies.

What role do insurance incentives play in inspiring customers to live healthier lifestyles? Can life insurance companies actually move consumers toward better behavior? And if so, how? A July 2018 study commissioned by Global Atlantic revealed the answers to these questions and other interesting insights into the link between wellness and insurance habits.

Every day, insurance producers sell an intangible promise to individuals and businesses based, in part, on public ratings, the assurances of company representatives and branding prowess to help determine which companies are a “safe bet.” But how does an insurance buyer ultimately choose an insurer if the future is, by its very nature, unknowable?

Long-term financial planning strategies require a financial professional to consider the impact of a client’s death on loved ones. However, historically, financial professionals focused only on preparing the assets for the beneficiaries.

Today, the portion of the marketplace focusing on guaranteed death benefits is undergoing a shift toward providing more options and flexibility for policy owners. Global Atlantic’s new Lifetime Foundation ELITE IUL bridges that gap between flexibility and options on the one hand and strong death benefit guarantees on the other — because now you can do both.

Fidelity & Guaranty Life Insurance Company shares insights into the features of their Accelerator Plus fixed deferred indexed annuity series, offering a retirement solution with strong earning potential that can help protect clients from market downturns, provide tax-deferred account accumulation and guarantee lifetime income through annuitization options or the Income Rider. For certain clients, an Accelerator Plus annuity can be an important financial tool to help meet long-term retirement needs.

InsuranceNewsNet recently sat down with Paul Cannon, a trial attorney with Simmons and Fletcher, a personal injury law firm in Houston, Texas, to find out what – if any – responsibility an insurance agent has in the event a client is in an auto accident.

Some people used to say that in order to sell life insurance well, you had to get religion. If that…

It is common knowledge that successful financial strategies include a mix of various assets and financial vehicles, like company-sponsored qualified plans, savings accounts and securities. However, financial advisors often omit life insurance as a critical component of their clients’ strategies.

A new program from MetLife—MetLife TakeAlong DentalSM—is designed to complement employers’ traditional MetLife group dental benefits, offering an individual coverage option for the segment of the workforce not eligible to participate in a traditional employer-sponsored dental plan.

When I started in the life insurance business, I had the opportunity to work with an experienced agent who told me that life insurance can help alleviate the effects of time. “TIME,” as he defined it, is an acronym that helps illustrate the power and flexibility of permanent life insurance to prospects and clients. The acronym stands for…

Consumers want options for protecting their families after they’re gone, yet collectively they have a staggering amount of money — $9.3 trillion — that’s sitting in low-yielding accounts, not contributing to their long-term financial plans.

When it comes to supporting clients in preparing for chronic illness, many advisors are challenged in understanding women’s unique risks. Women’s longevity, likelihood of chronic illness, and caregiving are some of the factors influencing these risks, and Prudential is bringing them to light.

Advisors are well aware that clients underestimate the chances of bad things happening to them as well as the importance of planning to maintain one’s quality of life…

Today the weather took a turn for the better, warming up and melting all the snow. Let’s hope this trend…