Blog

I typically see Premium Finance cases in the concept stage and probably see about 3-4 of these cases per week. A lot of advisors would like to offer Premium Finance to their high-net-worth clients who need insurance, but not every case makes the cut. In this week’s ONEIdea we discuss a Premium Finance insurance case […]

We get it. You are out there pounding the pavement, finding clients, convincing them YOU are the ideal advisor to help with their financial planning needs. YOU want to deliver the best solutions from the right carriers who offer the most affordable premiums. YOU are competing with that “other advisor” who always shows best class […]

2021 is already half over and AgencyONE is seeing quite a few of our carrier partners introduce their compliant Section 7702 IUL options. From a design standpoint, our case design team has noticed that the initial face amounts generated are noticeably lower and the income is higher based on the 7702 changes. Some advisors have […]

Medical Underwriting today requires two very different phases of assessment with the variety of living benefits currently offered and sold. While AgencyONE is consistently estimating MORTALITY for the life product, closer attention to your client’s MORBIDITY risk is required when Long-Term Care or Chronic Illness Riders are part of the case. These two phases of […]

The potential loss of step-up in basis is very real with President Biden’s The American Families Plan proposal that was released on April 28, 2021.  While this is a proposal and NOT law (yet), I am sure that it will be the subject of hard negotiations on Capitol Hill for the foreseeable future. I cannot resist […]

Term insurance is designed to provide a needed death benefit to cover shorter terms at an affordable cost. Some compare it to renting insurance coverage because it is not a permanent policy, it does not offer cash value (no equity), and the insured could possibly outlive the coverage. BUT term insurance does something very important […]