Blog Archive

Retirement Confidence: Retirees vs Workers

The Employee Benefit Research Institute conducted its 28th annual survey in January 2018 to measure the strength of retiree and worker confidence about their own Read more...

Pushing American Retirement Savings into the Best Shape Possible

In a recent IFN blog we highlighted the fact that America’s retirement score was at an all-time high coming in to 2018. Overall, American households Read more...

America’s Retirement Score Improves in 2018

At the start of 2018 retirement preparedness among American savers was up from previous years, showing a steady improvement in the general saving habits of Read more...

Debt and Death: How Life Insurance Can Help In The End

For the average American debt is an unavoidable consequence of life, and not necessarily a negative one. From student loans which can unlock higher incomes, 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...

Selling to Millennials vs. Gen X

Who is Generation X? In this day and age, the two main groups of buyers you encounter are Generation X and Millennials. The first, Read more...

How Participants are Reacting to Retirement Plan Enrollment

The Defined Contribution report from Janus Henderson Labs reviews various studies regarding the feedback of Americans actively participating in retirement plans. This review covers many 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...

What Would A Life Insurance Policy Actually Pay For?

Most consumers understand that life insurance is used to provide a lump sum of money (a death benefit) upon the death of the person or Read more...

6 Clauses and Exclusions to Make Customers Aware Of

A life insurance contract can be heavy reading, and that means that many (if not most) busy consumers won’t read the document through, and won’t Read more...

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...

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...