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When the IRS Wants Your Life Insurance Policy

The government can establish a lien against a policy. It can also foreclose.

Speaker Calls for More Use of Permanent Life in Buy-Sell Arrangements

Joe Ross contends that using permanent life is to using term life what using an iPhone is to using a flip phone.

5 Ways Independent Life Agents Can Start Digitizing

You might still be fine with paper, but that might not last.

The Long-Term Care Insurance Evolution Continues

A founder of the Long-Term Care Awareness Month tradition talks about why he believes it's still necessary.

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Preparing for the Worst: Disaster Planning 101

A lot depends on clients' level of resilience. Thinking ahead may improve that.

4 Things to Tell Older Clients About Their Life Insurance

The author contends that some clients would be better off without their policies.

4 Common Questions About End-of-Year Charitable Giving Strategies

Congress could change the rules soon, but, for now, these are the rules.

Alzheimer’s Awareness Includes Long-Term Care Awareness

November is LTC Awareness Month, making it a good time to have conversations about the impact Alzheimer’s and other diseases can have on retirement plans.

4 Critical Retirement Planning Tips

If clients ignore these basic principles… maybe they will have to buy lottery tickets and hope for the best.

Retirement Saving Checklist: 15 Things to Know That Can Lead to Success

Using this checklist, clients can be better prepared for retirement by assessing their behavior and actions around retirement saving.

3 New Findings About Long-Term Care Planning Prospects' Emotions

Lincoln is trying to help numbers-oriented advisors learn more about clients' feelings.

8 Ways for Agents to Answer ‘What Do You Do?’

Here are ideas about HOW to make those connections that seem to form automatically for other people.

Working Past 70½? Skip the 401(k) RMD Without Penalty

For clients working past age 70½, there is an exception allowing them to defer their 401(k) RMDs until retirement.

Americans Worried About Long-Term Care but Have No Plan to Pay For It

Just a fifth of adults have taken action to finance long-term care needs, and half think someone else will pay, Genworth found.

Best Practices for Salespeople Who Work at Home

Putting your feet up and staying in your pajamas are both ways to sabotage your productivity when telecommuting.

What Do Millennials Really Want?

They're out there looking for a suitable path through a challenging, confusing world.

3 Ways Fixed Annuities Can Outperform Bond Mutual Funds

Some flavors of 'plain vanilla' may be better, for some clients, than others.

3 Types of Designated Beneficiaries You Must Understand

The rules for spouses, unmarried partners and children are different.

5 Living Benefits Available With IUL Products

Indexed universal life products can do more than protect the clients against the risk of death.

Helping Clients Recover Their Retirements - Part 1

This column on retirement is written for clients in their 50s or 60s who did not act, or whose planning was swamped by misfortune.

5 Tips to Build a Senior-Friendly Practice

By concentrating on this growing market as boomers start to hit 70, advisors can provide financial planning services for decades.

California Signs Annuity Cash Surrender Bill

The state law created by A.B. 1398 will set procedural rules for annuity cash surrenders.

4 Basic Retirement Income Risks to Manage

There are plenty of things your clients can worry about. Here’s what they must worry about.

Legal Arrangements Other than Marriage

Here's another look at how clients' household arrangements can affect planning strategies.

The Basics of Establishing an Irrevocable Life Insurance Trust

An ILIT can help with spendthrift protection, and with elective share right planning for a surviving spouse.

Debts After Death

Maybe someone told you, "Go cross-sell some life insurance." Here's why your clients need that.

Your 5 Best Arguments for Life Insurance (Besides the Death Benefit)

Life insurance should be a bedrock of any serious financial, retirement or estate plan.

Millennials Need to Protect Their Income

Here are five points you can raise that might get the attention of the young invincibles.

Indexed Universal Life: It's Just a Great Investment

Nothing in life is risk-free. But investing in indexed universal life insurance comes pretty close.

5 Prospecting Methods That Really Work

While there’s no silver bullet to make prospecting a breeze, these are the methods your peers say really work.

Why Advisors Need to Be Working With Gen X: The Worried Generation

A Scottrade study found that 83% of Gen Xers say they are likely to seek professional advice about retirement planning.

5 Key Ideas for New Insurance Agents

Wondering where to start? Try this article

'Disability Insurance Is Too Expensive... and I'm Invincible'

Maybe you've protected that client against a stock market downturn. What about a crippling stroke?

5 Mistakes That Could Derail Your Clients’ Retirement

About half of U.S. adults have not even tried to estimate how much money they'll need to retire.

Life Insurance Can Be a Great Retirement Planning Tool

It can protect clients against dying too soon, and it can help solve many other problems.

Individual Disability Insurance Can Help Family Caregivers

A common, but under-used, protection product may be able to do more than you think.

Social Security Survivor Benefits: Don’t Just Survive, Maximize

The extra funds overlooked in survivor benefits can mean the difference between living in poverty and relative comfort for many clients.

Prepare Your Clients for These 5 Life Events

Retirement planning is far from the only component of a robust financial plan.

3 Ways to Get Life Insurance Clients to Buy Enough Coverage

The clock is not a potential life insurance purchaser's friend.

Retirement Planning Is Exciting: Consumers

U.S. adults ages 30 through 74 may prefer retirement planning to travel budgeting, according to a survey by Lincoln Financial.

How to Fill the Disability Coverage Gap for Doctors with High Income

Many doctors are finding a serious gap between the benefits of traditional disability and the replacement of their true income.

How Advisors Can Help Prevent Wealthy Families from Losing It All

In the book, “More Than Money,” Michael Cole tells how advisors can retain clients over generations.

Fixed Index Universal Life Can Diversify Your Product Roster

Some clients may want more flashy base stealers. Some may prefer to add slow-and-steady catchers.

Trust Planning with Annuities

Here's a tool that may help you build relationships that cross generations, and professional silos.

Americans Look to Family to Help Fund Their Retirement - survey

Millennials who are counting on an inheritance may be in for a rude awakening.

Reaching the Middle Market, Part 2: How to Make Yourself Heard

The trick is to get the attention of consumers who think Google and Facebook have all the answers.

Reaching the Middle Market, Part 1: Why You Need a Strategy

There are plenty of 'them' out there, but they come in many different varieties - and sub-varieties.

Beware the Working Retirement Tax Penalty

The question of how income from working in retirement affects the taxes of clients who are also claiming Social Security benefits is a tricky one.

To Boost Disability Insurance Sales, Add Sunshine

Product pricing is complicated, but a quote tool can give you and your clients something to talk about.

4 Ways to Overcome Media-Driven Annuity Misconceptions

Annuities are designed to reduce risk. How do you help clients understand that?

After “Yes,” Holding It All Together

Just keeping quiet may put the client in the mood to back out.

My Favorite Retirement Tool

The most important product a financial professional can offer may be awareness.

How Advisors Can Help Clients Age in Place

As clients age, staying in their homes may require significant upgrades.

Census Table Shows 37-Year-Olds Are Great Prospects

A new spreadsheet gives 2016 population estimates by single year of age.

Addressing the Myths of Long-Term Care

When it comes to LTC protection, it’s time to know the myths, master the facts, and have the conversation.

Help Clients Avoid the Double-Edged Risk of Waiting

A marketer talks about how to offer linked-benefit LTC products to younger clients.

Consider Fixed Annuities for Your Client’s Fixed-Income Portfolio

For the right clients, the author writes, fixed annuities may offer many advantages over bond funds.

5 Uses for Life Insurance That Most People Haven't Thought Of

For your clients and prospects, your bread and butter may be as mysterious as nuclear physics.