‘Tis the Season to Talk Life Insurance and Long-Term Care
Autumn ushers in the holiday season — a perfect opportunity to revisit important conversations about insurance reviews and long-term care (LTC). Regular policy reviews ensure that your clients’ financial strategies evolve alongside their lives. Reviews before the holidays give your clients time for more perspective. Either way, ensuring your clients are well-protected and on track […]
Rescuing a Bank Loan from Rising Interest Rates
IUL AS A REFINANCING TOOL IN A RISING RATE ENVIRONMENT With the cost of capital increasing dramatically as interest rates have risen, many commercial loans now have terms that are far less favorable, if not punitive. Fortunately, clients with life insurance assets have access to a “refinancing” strategy that can provide relief from higher rates […]
ASSET ALLOCATION STRATEGY’S MISSING PIECE: ASSET LOCATION
Asset Allocation has been part of the investment professional’s asset management strategy for decades. More recently, a considerable amount of attention has been focused on a natural extension of that approach: Asset Location. KEY TAKEAWAYS Asset location is an investing strategy that has potential to lower your clients’ overall tax bill. There are taxable, tax-deferred, […]
Planning for College? Use Life Insurance to help with College Cost
Think back to when you graduated college. Do you remember how much it cost a year? Did you pay for it or have help paying for it? Did you have loans or grants to help offset the cost? Planning for the cost of college is important for those investing in higher education. As a Vice President […]
Life Insurance Awareness Month
What is Life Insurance Awareness Month? Life Insurance Awareness Month was created by the non-profit organization, Life Happens, to remind Americans to add life insurance to their financial plans. Hundreds of financial professionals and industry groups across the country join this educational initiative yearly. This year’s theme, “Reality Check: The time for life insurance is […]