Life Happens ~ Things Change

Jody Horetski Life Insurance Consultant Tis the Season to Review Use this time during the fall holiday season to identify what your clients’ needs are in terms of life insurance coverage and finding the best policy for the upcoming new year. Now is a good time to dive...

Don’t Forget About Term Conversions

Jack Nachtrab Life Insurance Consultant One of the best features of term policies is the option to convert the death benefit into permanent coverage without needing to show evidence of insurability again. Paying attention to the conversion features and reminding...

Annuity Riders and How They Work

David Bollinger Annuity Sales Consultant An annuity rider is an optional feature that can be added to an annuity contract.  It is a way to tailor an annuity to fit the specific needs and goals of the policyholder.  There are a variety of riders available...

LTC Hybrids Offer Flexibility and Leverage

Jack Nachtrab Life Insurance Consultant For clients nearing retirement, long term care insurance is a very important piece of the financial plan. However, many clients shy away from traditional LTCI policies since there’s no guarantee they’ll use it, and they don’t...

2020 Suitability Amendments

Tim BeauregardRegional VP-South Three years after the National Association of Insurance Commissioners (NAIC) amended the Suitability in Annuity Transactions Model Regulation setting standards and procedures requiring agents and insurers to act in the best interest of...

More State LTC Mandates coming?

Jack Nachtrab Life Insurance Consultant In 2022, the State of Washington started to require that all residents have long term care and mandated a new payroll tax where people were taxed to pay for their future, state sponsored LTC. The LTC benefits provided by the...

Life Insurance for Women

Jody Horetski Life Insurance Consultant Today, women are working harder than ever to provide for their families and contribute to the household income, share in the same responsibilities as men do when buying  life insurance to protect their family, replace lost...

2023 Annuity Sales off to a Record Start!

Chris Wholehan, President Wholehan Marketing In case you haven’t heard, the Fixed and Fixed Indexed Annuity market is off to a record start for 2023.  A recently published article by Wink, Inc. reported the first quarter sales of all deferred annuities were up 41.9%...