Why Such SMALL Numbers?

We have all heard the statistics, during the last 50 years the number of life insurance policies issued has continued to decrease.  However, according to LIMRA statistics, the face amount per...... 

Do You Have A Sales System In Place?

Imagine a college graduate who embarks on his professional career in the life insurance industry. With high expectations for himself, he is willing to commit the time and effort to become a successful...... 

Creating A Bridge For Retirement—Providing Liquidity For Life

As a financial services advisor, you integrate the benefits of life insurance’s death benefit protection into a plan for your clients and help provide financial peace of mind to families and...... 

Why Policyholders Need To Consult With An Insurance Specialist

The days of buying a life insurance policy, paying the same annual premium, and putting the policy away in a safe deposit box are over. There are two converging factors leading to greater uncertainty...... 

Relief Extension For Hurricanes And Wildfires

The Department of Labor (DOL) issued compliance guidance for employee benefit plans impacted by Hurricane Maria and the California wildfires of October 2017 in the DOL news Release 17-1555-NAT.  

This guidance, in...... 

Creating Reliable Retirement Through Accumulation Guarantees

In late December congress passed the most sweeping overhaul of the tax system in over 30 years. That news, coupled with last year’s double-digit market gains and low volatility, has bolstered many Wall Street analysts to forecast...... 

Indexed Universal Life

One Monday morning in October 1987 I couldn’t have been more grateful. I awoke from a bad dream—one in which I thought a bear was shaking my cabin. I was on a hunting getaway at the family cabin in Sanpete County, UT. It took...... 


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