
Can I Secure Life Insurance Coverage After Bankruptcy?
While the COVID death count this week in the United States surpassed 900,000 lives, a horrendous number, many businesses have also “died” as a result of the pandemic. Business and Personal Bankruptcy filings have risen dramatically during the COVID pandemic. Many businesses have closed and forced owners to file for BANKRUPTCY protections. Individuals have also […]

Early Cash Value Rider – What is it & How Does it Work?
A recent case from one of our AgencyONE 100 Advisors provided an opportunity for our Case Design and Illustrations team to focus on early cash value (ECV) riders. An ECV rider has important applications depending upon your clients’ financial needs. So, what is an early cash value rider and how does it work? Early Cash […]

Alternative Solution to Roth Conversion
I just read an article from Maurie Backman (TMFBookNerd) at The Motley Fool which provides good advice but ignores the most logical of solutions. The article is titled “Want to Leave Money Behind to Your Heirs? Keep Your Money in This Retirement Account.” Ms. Backman is talking about Roth IRAs as a better way to […]

Underwriting When Physician Records Are Not Accurate
Physician records (APS-Attending Physician Statements) are an important and material part of your client’s underwriting files. However, physician records have also been known to contribute to UNFAIR underwriting assessments. This ONE Idea will focus on underwriting when when physician records are not accurate or have been interpreted incorrectly. Not Always Accurate? Physician records are NOT […]

Life Insurance – Protection Against the Unknown
If there was ONLY ONE insurance company to choose from and you were the ONLY CUSTOMER buying their life insurance and interest rates were 0%, it would be VERY EASY to calculate the cost of life insurance. However, things are NEVER that simple! The primary purpose of life insurance is protection and, at its simplest, […]

Underwriting Pulmonary Functions
The COVID pandemic has brought pulmonary issues to the forefront as we watch newscasts of ICU beds filled with patients on ventilators. COVID causes an inflammatory lung reaction that some people survive, while many others – over 800,000 COVID related deaths in the US at this point – do not survive the complications of the […]