Understanding Types of Life Insurance

Which is Best for Your Client? Life insurance is one of the most important pieces of your family’s long-term financial plan. Jody Horetski Life Insurance Consultant One of its primary purposes is to replace income for your family if you pass away.  With so many...

Balancing Risk and Reward

David Bollinger Annuity Sales Consultant When choosing the most appropriate solution for a client’s retirement, one of the most important things to know about your client is their level of risk tolerance.  If your client has low risk tolerance, this typically...

A Guaranteed Option for LTC

Chris Wholehan President Advanced Sales When listening to feedback from clients about traditional Long-Term Care Insurance, one of the most common objections to the coverage is the lack of guarantees: no guaranteed level premium, no guarantee they will use it, no...

Pre-Planning for RMD’s

Jack Nachtrab Life Insurance Consultant Many clients save for retirement in qualified plans that defer taxation until the funds are withdrawn.  These qualified plans require distributions (RMD’s) to be taken starting at age 72, whether the client wants them or...

The Gift of Life Insurance this Mother’s Day!

Show how much you care by making sure she’s protected. Jody Horetski – Life Insurance Consultant A recent study by LIMRA and Life Happens indicates that 32 percent of women feel they don’t have enough life insurance coverage.  That’s particularly alarming...

Coverage for Debt

Jack Nachtrab Life Insurance Consultant According to the Federal Reserve Bank of NY, over the last 7 years, household debt in the US has increased by $3.04 trillion. As Americans become less afraid of having debt in their financial plan, an increasingly overlooked...

Life Insurance Planning for Clients with Pensions

Jack Nachtrab Pensions in the private workplace are not as prevalent today as they used to be, however most public sector jobs still offer pensions. When it comes time for retirement, married clients are faced with the decision on whether to take a single-life payout...

Play it Safe – Fill the Gap

Jody Horetski Life Insurance Consultant According to a recent study, only about half of the adults in the U.S. have life insurance coverage.  While most of the advisors we work with sell individual policies to their clients, the workplace market is another avenue...