
2020, Interest Rates, COVID & the Life Insurance Industry
The most meaningful impact of 2020 on the insurance industry was, very likely, the dramatic drop of interest rates. They have had a much greater effect than most people imagine.The bell weather indicator for interest rates in the insurance industry is the 10-year Treasury, as it constitutes a large portion of an insurance company’s portfolio. […]

Medical Underwriting Success in 2021 Despite COVID
Welcome to 2021! Together with you, our AgencyONE 100 Advisors, we have continued to sell, underwrite, and deliver insurance protection consistently over the past 10 months despite the challenging and unique circumstances brought on by COVID. We have adapted to restrictions, mastered new technology, stepped-out of our comfort zones, and found ways to get business […]

Life Insurance Underwriting During Covid-19
Six months ago, our country was forced into a swift, extraordinary change as the threat of COVID-19 was realized. Uncertainty lead to quarantine, lock downs, virtual everything and life as we knew it seemed to stop. Adapting to the changes in life insurance underwriting in a Covid-19 environment became a reality that none of us could have imagined. In […]

Premium Financing Life Insurance – What Can Go Wrong?
I have been doing this a long time; 38 years, in fact. What I discovered during a recent review for one of our AgencyONE 100 advisors was mind blowing! Please review the below premium financing arrangement that was presented to our advisor’s client by a competitor, just as our advisor was attempting to finish placing […]

Colon Cancer Screening & the Underwriting Implications
Underwriting colon cancer cases requires a unique expertise and your Underwriting team at AgencyONE stands ready to review these cases, match them with the appropriate carrier(s) and negotiate on your behalf to obtain the best offers for your clients. However, testing and treatment protocols are constantly changing and AgencyONE believes that you should know the basics […]

Does Someone Really Need to Explain What It Means to Make a Gift?
The legal, accounting, insurance and wealth management professions are constantly telling us what it means to make a gift and why it is important. I am guilty of that myself and I am not talking about giving a bottle of champagne to a dear friend to celebrate an occasion. I am talking about something far […]