Accumulation Products Offer Riders That Sell Themselves

Accumulation products are the foundation of many clients’ investment portfolios.  I will focus on two product area riders with tremendous growing appeal.  In the annuity market, the...... 

Yield Laddering MYGAs

Are we about to enter a rising interest rate environment after years of flat-line returns? Assuming we are headed to higher rates, how can we help conservative clients fearful of locking up principal...... 

The Keys To A Successful Annual Review Process

Congratulations! You did it! You helped your client start an indexed universal life (IUL) insurance policy, which will give their family tax-free death benefit protection. The new policy will also...... 

Don't Sell LIRP, Present The "Insurance Wrapper"

Over the holidays I was chatting with a group of people when Joe asked me what I do for a living.

“I sell life insurance,” I said.

I braced myself for the typical...... 

Why Most People Fail In Accumulating For Retirement

I have always, in my 30 years of practice, tried to put my clients first. Seven years ago, I found a strategy that would totally change my life and the lives of my clients. It revolved around debt—the debt people...... 

Life Insurance Under The DOL Rule

So, let’s assume that the new DOL rule is enacted as written (a whole different discussion can be had another time). What are you going to do about life insurance now?  Most of us know already that we only sell life products...... 

Truth Be Sold

Man, I love Google.

How did we ever discover The Truth without Google?  I don’t think we ever actually did.

But today?  There it is, clear as day, pure as the driven snow.  Case in point:


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