IRR Calculations & Comparative Cash Flows
I have been running illustrations for a LONG TIME, and I learned very early on how IMPORTANT it is to include the Internal Rate of Return (IRR) report in any illustration. Advisors AND clients like to see the IRR calculations on the illustrations because they are very helpful when evaluating comparative cash flows on the […]
Leaving or Living a Legacy
Conversations that financial planners have with their clients can be tricky. Most financial advisors only talk about “the money” and hope that the recommended planning is put in place so that future generations can continue to reap financial rewards. Other financial advisors, who tend to retain clients for multi generations, expand the conversation and go […]
Foreign National Underwriting for High Net Worth Global Citizens
High Net Worth Foreign Nationals (HNWFN), aka Global Citizens, are a GROWING market of individuals who typically possess assets and interests across the world and find particular financial safety and security in US domiciled businesses and properties. The growth of this market has expanded BEYOND the traditional US markets we’ve come to expect and includes […]
How Aviation and other Avocations Affect Life Underwriting
Medical Impairments are not the only circumstances that threaten mortality and your client’s underwriting success. Hobbies and occupations offer their own type of risk (just ask Jeff Bezos and Richard Branson). With the advent of PRIVATE space travel, we are sure the Life Insurance companies are already considering the risk and how to charge EXTRA […]
Additional or New Coverage with No Underwriting
We hear you loud and clear! The traditional underwriting process often presents many challenging hurdles – lengthy applications that include multitudes of invasive and personal questions, varying carrier requirements including blood, urine, EKGs, and the time-consuming attempts to get APS information. It can take MONTHS to get everything required to approve a policy! Insurance companies […]
6 Months of Ideas – ONE Ideas for the Purchase of Life Insurance
AgencyONE’s weekly ONE Ideas are designed to discuss a range of industry topics that are linked to current trends in Advanced Markets, Case Design, and Underwriting. There has been a lot of activity within the industry over the last 6 months (COVID, the election, ongoing interest rate pressures, and product changes) so this week’s ONE […]
We hear you loud & clear. Underwriting can be frustrating! But additional or more coverage IS POSSIBLE with little or no underwriting!
https://www.agencyone.net/no-underwriting/
What's been going on in the life insurance industry since the beginning of the year? To find out, take a look at this week's ONE Idea which features a recap of all our ONE Ideas from the last 6 months! https://www.agencyone.net/6-months-of-ideas-one-ideas-for-the-purchase-of-life-insurance/
Premium Finance Insurance cases continue to be very popular with advisors, but not every case makes the cut. This week's #ONEIdea from the Desk of Edward Stark, CLU, ChFC discusses a Premium Finance Insurance Case (with options) that went well! Read here➡️https://www.agencyone.net/a-premium-finance-insurance-case-that-went-well/
