Blog Archive

What Will Retirement Look Like for Millennials

Millennials have become a rather popular topic in today’s culture. We’ve watched how being raised in a technology-based world has affected their outlook on the Read more...

Longevity Risk and American Retirement

Longevity Risk: the risk that a man or woman may live long enough that all of the hard-earned funds they’ve set aside for retirement are Read more...

Addressing Social Security’s Uncertain Future

In May of 2015, a Harvard University study cast fresh doubts on the stability of Social Security. Co-authored by Gary King, the Albert J. Weatherhead Read more...

Combating the Threat of Student Loan Debt with the IUL

Coming to the close of 2017, Americans are more burdened by student loan debt than ever. Student Loan Hero reports a total of $1.48 trillion Read more...

Retirement Forecast for Future Generations

A potential “retirement crisis” is currently in the forecast for future generations in America, despite the rebound working families have seen since the market downturns Read more...

Young Adults Struggling With Retirement Savings and Investments

While the importance of an early start for retirement savings is often cited in the financial world, the reality is that at every stage of Read more...

Are You Helping Your Clients to Plan for Achieving Specific Goals?

Good agents always give thought to how to use the right sales tactics* for each of their clients. Have you ever sat down with clients and Read more...

How an IUL can Help You Save and Protect

In the last few years, a trend in American spending has risen. Not only are Americans spending more, the boost in spending is mostly on Read more...

The Importance of Life Insurance for Millennials

Many millennials believe that they don't have to invest in life insurance yet. They're young, they're healthy, and many of them don't yet have extra Read more...

Supplemental Retirement Plans like the IUL

401(k) plans have become the dominant form of private pensions since their popularity rose in the late 1980’s and through the 1990’s. The plans have Read more...

The State of Retirement for Older Americans

Americans age 65 and older are nearing the years in which retirement funds are expected to be relied upon. Based on data pulled from the Read more...

The State of Retirement for Working Americans

Following two stock market downturns in the 2000’s, current working families as a whole have seen income and retirement wealth rebound. Households with at least Read more...

Using IULs to Supplement Suffering College Savings in 529 Plans

A 529 plan is a state-operated educational savings plan with the primary purpose of helping families set aside funds for their child’s future college expenses. Read more...

Benefits of Life Insurance for Young Adults

Common misconceptions can prevent young adults from purchasing, or even considering, life insurance options. Currently, there is a higher demand for life insurance than there Read more...

Funding Retirement with IUL Policies

Life insurance policies come in all shapes and flavors. One of the more popular types in recent years is the Indexed Universal Life (IUL) policy.  Rather Read more...

RMD to Fund Life Insurance Policies

After turning 70 and a 1/2, the Internal Revenue Service (IRS) begins to require that individuals start making taxable distributions from their tax protected 401(k) Read more...

Excuses Removed from Writing Life Insurance

Life insurance, compared to many other investment vehicles, requires more steps, process, and 3rd parities such as doctor’s offices, medical examiners, and underwriters. Compare this Read more...

How Much Life Insurance Do I Need?

The most important part of buying life insurance is determining how much you need. Since everyone’s financial circumstances and goals are different, there is no Read more...

Why You May Want To Use A Sales Funnel To Focus Your Business Potential

A sales funnel uses different stages to carefully guide people through the sales process until they are ready to make a purchase. The process is Read more...

Is it time to rethink your retirement?

Every day thousands of Baby Boomers enter their retirement years. They are, unfortunately, members of a generation who are largely unsure of their financial future. Read more...

Three Ways an IUL Can Help Pay for College

College costs are rising and more and more parents are looking for creative ways to afford the kind of education they want their children to Read more...

A Six-Figure Income May Not Shield You From a Shock, But an IUL Might

For some, living on a six-figure income is part of the American dream. At that point, you might not be rich but you may be Read more...

Minimizing Retirement Anxiety

Whether retirement is approaching in the immediate future or you've got a few years before retirement hits, you, like many aging Americans, may suddenly find Read more...

Save With Stronger Retirement Vehicles

How Many Small Business Owners Plan to Finance Their Retirement Some small business owners refuse to stress about meager retirement savings. When the topic comes Read more...

5 Life Insurance Riders Being Overlooked

Purchasing a life insurance policy is a long-term plan to make sure your loved ones are provided for after you’re gone. Most people assume one Read more...

Life Insurance Sales Ideas: Does Your Sales Process Accomplish these 4 Goals?

To be successful at selling life insurance, you have to take a serious look at the process your sales team is using and whether or Read more...

Are You Prepared for the Need for Long Term Care?

Today's seniors are living longer than ever before, maintaining a great quality of life longer than they ever anticipated. Unfortunately, the high quality of medical Read more...

Getting More Value From Your Financial Plan With Proper Goal Setting

We all have little castles in the sky. For some, it's a trip to Hawaii for an upcoming anniversary. For others, it's saving enough money Read more...

10 Sales Tactics to Attract and Keep Good Customers

In the cut-throat world of insurance sales, your ability to elevate yourself above your competitors hinges upon your arsenal of sales tactics. As a salesperson Read more...

How Do You Present to Clients the Need for Retirement Savings?

Many of us assume that we could easily place ourselves in the shoes of our clients, but that's not always the case. The longer that Read more...

We’re Hiring in Minnesota!

Are you ready to take your career to the next level? Are you someone that loves staying busy and keeping organized? Do you have a Read more...

Join us during our next free IUL University!

Life insurance sales haven’t been great lately — policy count has declined in six of the last 10 years, according to LIMRA. However, index universal Read more...
Understanding Pension Risk

Understanding Pension Risk

A recent study by the federal government¹ has shown that as many as 1 million people are at risk of losing their federally insured pension Read more...
Money Mistakes in Retirement

Money Mistakes in Retirement

A recent forbes.com article talks about money mistakes in retirement (http://onforb.es/KDiaEe). The first item on the list is to make sure retirees have tax-efficient strategies Read more...
Working with Younger Clients – Life Insurance Opportunities

Working with Younger Clients – Life Insurance Opportunities

I have observed in my meetings with producers and agencies that producers are trying to work more and more with older age clients only. This Read more...