“Annuity commissions paid in one day. Client-facing annual reviews done for you in one click. The first end-to-end platform designed to manage every part of an annuity advisor’s business.”

Verisk’s Tobacco Usage Propensity Model offers the life industry a two-prong solution: It can assist in substantially reducing the number of lab tests insurers order in the underwriting process, while simultaneously helping tackle the $10 billion problem of smoker nondisclosure.

Finseca, a transformative professional trade organization, recently launched with the inspiration to bring financial security to all. Although this admirable goal might seem too ambitious to some, the diverse team of experts at Finseca are already proving they have the integrity, knowledge and resources to make the change possible.

In a year of disorientation and unpredictability, for an independent financial services professional in the indexed annuity and life insurance industry, the level of uncertainty about the next lead or even the next sale was never higher in the past 30 years than it was in 2020. We all faced that reality. That goes without saying…

Reflexive questions and an automated rules engine mean less hassle, fewer labs — and more families protected. And that’s just the start.

COVID-19, aka Coronavirus, has literally and figuratively changed the meaning of the tech marketing cliché, “digital or death.” Consumers are still very wary of exposure to the virus and want to get more things done digitally. While this had always been the case with millennials and Gen Z, COVID-19 has forced older demographics, who are even more concerned about virus exposure, onboard.

When affluent families consider acquiring life insurance, there may be a concern about having to liquidate profitable assets in order to meet their premium payment obligations for the larger policy they require. And that’s not the only issue – it’s vital that the policy be arranged so gift taxes are not levied on the premium payments, and estate taxes not levied on the death benefit proceeds.

More than two years before the worst pandemic in modern history brought a sudden and profound change to our daily lives, Legal & General America was white-boarding ideas for how to simplify the life insurance process and make it easier for agents to protect more families. Forward thinking has always been a hallmark of its legacy of process and technology innovation — but company leaders didn’t realize just how important and relevant those ideas would be today.

Today, Americans nearing or entering retirement are being exposed to a world of uncertainty. To begin with, efforts to contain the COVID-19 pandemic have pummeled markets, stalled economies and hampered investment growth – decreasing next eggs at an inopportune time for many. Life spans are growing longer as well, forcing people to prepare to meet the financial obligations of a retirement that could last three decades