Changes in elected officials and political leadership can lead to changes in the tax code, affecting your individual and business clients. Learn how to prepare.
U.S. life insurance ownership is at a 50-year low. Yet, half of all U.S. households (59 million) believe they need more life insurance. This is a huge gap, and here are a few simple ideas you can use to help close it – one household at a time.
When employers own life insurance written on the lives of their employees, the failure to “dot every i” can have huge income tax costs. Here’s how to help.
If your clients can no longer care for themselves, they need someone to do it for them. But who will provide that care? Where will the care take place? And how will your clients pay for it? Explore the need for long-term care protection.
The landscape of coverage for long-term care expenses is changing. As fewer insurance carriers offer stand-alone policies, who will provide the protection Americans so badly need when they can no longer care for themselves?
Business owners should be prepared for the unexpected. For instance, if a key employee or owner dies, will the company survive? Here’s an approach to start the conversion.
Find out how a buy-sell agreement can save a closely held business if something happens to the owner.
Survivorship life insurance can do much more for clients than just pay estate taxes when the second spouse dies. Here are ideas for expanding your clients’ thinking and the need for planning using survivorship life insurance.
The type of buy-sell agreement that will work best for a given business-owner client depends on the client’s objectives. Here’s how to match objectives to different types of agreements.
Your communication with business owners will increase when you use concise, clear language to explain planning concepts.
Find out about the different types of life insurance and how they may help meet your clients’ needs.
Do you use consistent language to describe key features and benefits of life insurance? The terms and definitions below will help you increase the value of your client communications.
The lexicon of long-term care can be baffling to clients. Understanding these commonly used terms will make your communication on this topic simpler and clearer.
Young adults are aware of the rising cost of long-term care. Now is the time to start conversations with them about how to meet the challenge.
When clients hear “permanent life insurance,” they either don’t know what it is or don’t think it will meet their needs. Use the right language and they’ll hear the benefits instead.
By legalizing same-sex marriage everywhere in the U.S., the Supreme Court has created new estate planning opportunities for households in an attractive market segment.
Not every single, debt-free person needs life insurance. But many do, for a wide variety of reasons.
Social Security payments can affect your clients’ plans for retirement. But how much they receive will depend on factors both in and out of their control.