Life Insurance Product Options: What is Left to Sell?
Life insurance products and underwriting requirements have undergone tremendous changes in the last year (2020-2021) and historically low interest rates and COVID-19 have played a primary role. Every other week […]
Why Fee Advisors Should Consider No Load/ Low Load VULs
Let us start with the obvious – he or she would NOT consider No Load/ Low Load VULs because without a FINRA registration and a Broker Dealer, the Fee Only […]
ASPIRE Makes Life Insurance More Affordable for Diabetic Clients
In 2015, John Hancock introduced VITALITY – the industry’s first revolutionary post-issue program which allowed their policy holders to earn rewards for staying healthy. In 2019, they added the ASPIRE […]
How to Design an Efficient Life Insurance Contract Under the Section 7702
Section 205 of the Consolidated Appropriations Act, 2021 (H.R. 133) signed by President Trump on December 27th, 2020 made changes to Internal Revenue Code Section 7702 providing for the use […]
Life Insurance Policy Servicing & Opportunities During Covid
The reality of COVID-19 has affected us profoundly – personally and professionally. As a result, many of your clients may be re-evaluating their insurance and protection needs and asking what […]
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. […]