Client Expectations: Investment and Risk Management
The research firm, Spectrem Group conducted a study of wealthy investors in 2021. They asked these investors what services they received from their financial advisory\wealth management companies, as well as what they expected to receive as part of their overall wealth management services. See the results in the graph below. I am not surprised that […]
Alcohol Consumption and Underwriting
April is National Alcohol Awareness Month and is meant to help increase knowledge about the use and abuse of alcohol in the United States. Alcoholism is one of our country’s chief public health problems and at AgencyONE, we regularly see cases that are impacted by the use of alcohol. Our underwriting ONE IDEA this month […]
Annuites & Planning for Longevity
In addition to the many life challenges that your clients will face in retirement, their retirement plans may also be subject to market and financial risks. From a financial perspective, your clients will face market volatility, interest rate risk, withdrawal rate risk, sequence of return risk and longevity risk… just to name a few. The […]
How to Avoid Taxes on Capital Gains, Dividends, Distributions, & at Death
Early each morning, I usually read financial articles and recently came across one by SmartAsset™ entitled How to Avoid Capital Gains Taxes: Helping People Make Smart Financial Decisions. This article prompted me to write this ONEIDEA. The basic premise of the article is that “saving for retirement is all about investing and no matter how […]
Underwriting Women with Autoimmune Diseases
This month we celebrate Women’s History Month, but did you know that March is also National Autoimmune Diseases Awareness Month? This is not likely just a coincidence as autoimmune diseases are much more prevalent in women than in men. In fact, 23.5 million Americans are affected by autoimmune disease and almost 80% of that population […]
Long-Term Care and Survivorship Insurance
I recently spoke with a friend whose father just transitioned into a nursing home. Since I have a parent in a similar situation, we were able to talk about the costs of long-term care coverage and the “crazy” overall expense. The Genworth Cost of Care Calculator shows the average cost of a private room in […]
June is LGBTQ+ Pride Month! We celebrate Pride Month to recognize the history and impact of the LGBTQ+ community.
Did you know? The Greek Lambda symbol was often used as a symbol of gay rights before the rainbow flag.
#lgbtq #pridemonth2022 #lifeinsurancematters #LifeInsurance
Can your pregnant client obtain life insurance? YES, BUT there are a lot of factors that MUST be considered during the underwriting process. (Dennis Bartos, PA and Julie Melendez)
#pregnancy #underwriting #lifeinsurancematters #lifeinsurance
Underwriting Pregnancy and Pregnancy-Related Conditions - More Complicated Than You Think!!
A currently pregnant client wonders if she should apply for Life Insurance now or wait until after the child is born, but underwriting pregnancy and p...
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If you have a client with an old inforce policy with a high cash value that may or may not be underperforming, this week’s ONE Idea from Edward Stark, CLU, ChFC may provide some fresh ideas for financial planning using insurance.
#inforce #insurance
One 1035 - Two Solutions
This ONE Idea explores: If your client has an underperforming 1035 inforce, how do you review it in order to find the best solutions?
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