Executive Bonus Plans CONTINUED
Last month’s One Idea from AgencyONE’s Case Design department discussed a planning option for businesses that is currently experiencing a resurgence in popularity – the Executive Bonus Plan. Executive Bonus Plans are an effective way to help retain key employees by using overfunded life insurance. November’s ONE Idea prompted calls from advisors who wanted to […]
Underwriting Anxiety & Depression
Tis the season of STRESS!!! The hustle and bustle of the holiday season is upon us, and this time of year can cause increased anxiety and even depression. Both are common diagnoses and are not just considered seasonal. As with any condition, there are varying levels of severity. In this ONE Idea, we will discuss […]
Executive Bonus Plans for Key Executives
The retention of employees has been on the minds of many lately – including advisors and their business owner clients. Business owners are more concerned than ever in retaining and rewarding their key employees and executives in order to maintain their businesses and manage them efficiently. At AgencyONE, we’ve received numerous 4th quarter requests from […]
Dead Assets – Literally
As many of you know, I spend a lot of time on the phone with financial advisors assisting them in defining ways to mitigate risks resulting from mortality, morbidity, longevity, and taxes. During a recent call with an investment advisor and one of our AgencyONE risk advisors, I came across a fact pattern that I […]
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 […]
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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