A-LIST TERM is individual term life insurance from Banner Life for highly compensated staff
in an organization that already provides group term coverage to its employees.
Some flavors of 'plain vanilla' may be better, for some clients, than others.
The rules for spouses, unmarried partners and children are different.
Indexed universal life products can do more than protect the clients against the risk of death.
This column on retirement is written for clients in their 50s or 60s who did not act, or whose planning was swamped by misfortune.
By concentrating on this growing market as boomers start to hit 70, advisors can provide financial planning services for decades.
The state law created by A.B. 1398 will set procedural rules for annuity cash surrenders.
There are plenty of things your clients can worry about. Here’s what they must worry about.
Here's another look at how clients' household arrangements can affect planning strategies.
An ILIT can help with spendthrift protection, and with elective share right planning for a surviving spouse.
Maybe someone told you, "Go cross-sell some life insurance." Here's why your clients need that.
Life insurance should be a bedrock of any serious financial, retirement or estate plan.
Here are five points you can raise that might get the attention of the young invincibles.
Nothing in life is risk-free. But investing in indexed universal life insurance comes pretty close.
While there’s no silver bullet to make prospecting a breeze, these are the methods your peers say really work.
A Scottrade study found that 83% of Gen Xers say they are likely to seek professional advice about retirement planning.
Wondering where to start? Try this article
Maybe you've protected that client against a stock market downturn. What about a crippling stroke?
About half of U.S. adults have not even tried to estimate how much money they'll need to retire.
It can protect clients against dying too soon, and it can help solve many other problems.
A common, but under-used, protection product may be able to do more than you think.
The extra funds overlooked in survivor benefits can mean the difference between living in poverty and relative comfort for many clients.
Retirement planning is far from the only component of a robust financial plan.
The clock is not a potential life insurance purchaser's friend.
U.S. adults ages 30 through 74 may prefer retirement planning to travel budgeting, according to a survey by Lincoln Financial.
Many doctors are finding a serious gap between the benefits of traditional disability and the replacement of their true income.
In the book, “More Than Money,” Michael Cole tells how advisors can retain clients over generations.
Some clients may want more flashy base stealers. Some may prefer to add slow-and-steady catchers.
Here's a tool that may help you build relationships that cross generations, and professional silos.
Millennials who are counting on an inheritance may be in for a rude awakening.
The trick is to get the attention of consumers who think Google and Facebook have all the answers.
There are plenty of 'them' out there, but they come in many different varieties - and sub-varieties.
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.
Product pricing is complicated, but a quote tool can give you and your clients something to talk about.
Annuities are designed to reduce risk. How do you help clients understand that?
Just keeping quiet may put the client in the mood to back out.
The most important product a financial professional can offer may be awareness.
As clients age, staying in their homes may require significant upgrades.
A new spreadsheet gives 2016 population estimates by single year of age.
When it comes to LTC protection, it’s time to know the myths, master the facts, and have the conversation.
A marketer talks about how to offer linked-benefit LTC products to younger clients.
For the right clients, the author writes, fixed annuities may offer many advantages over bond funds.
For your clients and prospects, your bread and butter may be as mysterious as nuclear physics.