Meet Kelly Rowland
Spokesperson for LIAM 2021

Life Happens is excited to collaborate with award-winning singer, songwriter, producer and humanitarian Kelly Rowland as their spokesperson for this year’s Life Insurance Awareness Month.
Life insurance is her way of saying to her sons, “I love you. I’ve got you, and I’m seeing to your future no matter what.”

Watch her video message.

5 Ways to Use Social Security's New Statements to Help Your Clients

A new graphic illustrates the effects of claiming at nine different ages.

Claiming Social Security: Too Many Think It's 'as Simple as Flipping a Switch'

Half of respondents with a financial professional said they didn't discuss Social Security, and two thirds said they'd...

Maine Adopts Annuity Best Interest Regulation

Fifteen states have installed the NAIC's sales standards model update.

5 FIA Myths Busted

An Athene executive has ideas about how to handle potential conversation stoppers.

Roth IRA vs. Roth 401(k): Which Is Best for Your Clients?

In some cases, both types of Roth accounts can be used together to help accomplish your client's goals.

How Financial Advisors Are Becoming Financial Caregivers

Some aging clients need more hands-on support.

Advisors Embrace Financial Education for Students

Two-thirds of advisors said they expect financial education to be part of their future business model.

When the Prospect Says: 'I'm Thinking of Using a Financial Planner'

This objection can mean many things, including that they don't know advisors can also be planners.

New Blood Test Detects More Than 50 Types of Cancer

For $949, consumers may get information about their health that insurers don't have.

10 Simple Phrases That Wow Any New Client

Here's how to reassure new clients and interested prospects that they're picking the right advisor.

10 Tax Facts to Know About Marriage and Blended Families

How marriage, remarriage and divorce can affect your clients' tax, retirement and estate planning.

Semiprivate Nursing Home Room Cost Rises 9.2%

Inflation could pop up here, too.

When Term Life Policyholders Leave the Level-Premium Bubble

Consumers who face a huge premium increase turn out to be good at judging their health.

Help Employees Understand the Value of Disability Insurance

Every month should be Disability Insurance Awareness Month.

Disability Insurance Can Make Life Possible In Uncertain Times

The author knows that, because he's lived that.

Use Technology to Stay in Touch With Clients Throughout the Year

Michael Jans, an agency marketing strategist, says some agents could still do more to reach out.

Here's How Much a Couple Retiring in 2021 Will Need for Medical Costs

The cost of health care through a typical retirement has increased 88% over 19 years.

Genworth Plans for Return to Long-Term Care Insurance Sales

The CEO says the company would work with "well-regarded third parties" to launch a new U.S. LTCI business.

Getting Your Prospect to Say Yes

Whether you work in a clothing store or in financial services, selling is selling.

Annuities and a Comprehensive Retirement Portfolio

A little certainty can be a wonderful thing.

When Your Prospect Is Older Than You

Turn a situation that seems like a problem into an opportunity.

Monopoly and Life Insurance

Families should think of “life insurance” as core to a sound financial strategy, not as an afterthought.

10 Ways to Be Politely Persistent

Here's how to stay on your prospects' radar, without being annoying, until they're ready to do business.

Buy an Annuity Now, Claim Social Security Later: Ex-SSA Official

Jason Fichtner has this one (not so) weird trick for keeping retirees solvent.

Advising Clients on IRA Contributions After Age 70

The Secure Act removed the age restrictions on traditional IRA contributions. Here's what advisors should know.

5 Rules for Claiming Social Security Benefits as an Ex-Spouse

Yes, divorced spouses (typically women) can claim spousal benefits if they meet the criteria.

Why You Should Talk to Clients Now

The pandemic may have changed what consumers want to hear about.

Is an Annuity Really Worth It?

A new study concludes: You may not get out what you pay in, but the real value is in the stability annuities provide.

How to Give Financial Advice Anytime, Anywhere

One tip: Think differently. Another tip: Know what people are up against.

Helping Clients Navigate "Gray Divorce"

Some couples are going separate ways. Here's how to help them.

How the Rising RMD Age Could Affect Your Clients

One group of retirees is particularly likely to change behavior as the RMD age rises, a study found.

There's a New Social Security Certification in Town

The RSSA designation trains advisors on in-depth Social Security planning, including the use of software.

Consumers Want Liquidity: MDRT Survey

Many consumers without advisors want help with creating an emergency savings fund.

Give to Get

How to get people talking about themselves.

The Biggest Social Security Claiming Mistakes Women Make

Widows, stay-at-home parents and divorced spouses have their work cut out for them.

Is Early Retirement Right for Your Clients?

They'll never know till they know, but here's a way for them to think about the question.

7 Tips for Leading Group Virtual Meetings

The first step is to get the participants' attention.

3 Tips for Turning Your Virtual Sales Call Into a Conversation

Talking over Zoom is one thing. Connecting is something else.

4 in 5 Women Are Under Financial Stress: Fidelity

Fidelity has rolled out a month-long virtual pop-up series focused on a healthier financial future for women.

11 Useful Tips for Growing Your Business

Keep these points in mind when you need a little extra motivation.