The majority of our new clients have life insurance and annuities when we meet them. People are often surprised to learn they are not paying the lowest premiums and they’re also surprised by how much innovation has occurred since they last bought coverage. The addition of living benefits is a great example of a fundamental…
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Lower your annual premiums and protect your beneficiaries with life insurance payments for your beneficiaries that are guaranteed payments over time instead of a lump-sum payment.
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NEW INSTALLMENT PAYOUT OPTION REDUCES ANNUAL LIFE INSURANCE PREMIUMS AS MUCH AS 40%! Life insurance buyers have a new and often better option to protect their beneficiaries. According to Ted Bernstein of Life Cycle Financial Planners, it is an important choice policyowners now have when it comes to providing long term security for their families….
Life Insurance Underwriting – Demystifying The Black Box of Underwriting Sex, Drugs and Genetics One of the most effective ways of reducing your cost of life insurance is by improving the rate class or making sure to get the best class possible when buying new coverage. Once you decide to purchase a life insurance policy, the process…
The life insurance industry let us down when it allowed the estate tax rate to settle at 40% and the lifetime credit (exemption) to rise to $12MM per couple. The impact is still punishing planners of all stripes. It is time for life insurance companies to step up and commit to national advertising and marketing campaigns to promote the virtues of their…
Do You Know The Market Value Of Your Existing, Inforce Life Insurance Policy? Every day, people are receiving significant cash payments for unwanted or unneeded life insurance policies they thought had no value. If you are 65 or older, you may have a policy with asset value in the secondary market. The value of policies…
Lower the Cost of Your Life Insurance and Protect Your Heirs the Way You Intended: Until now, life insurance buyers did not have an option to structure the payment of the policy’s proceeds to their beneficiaries. All that has changed – now you have the control to design the payout exactly as you want them…