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    Jason Konopik

    Executive VP of Partners Advantage

    With over 20-years experience, Jason is a nationally recognized expert on indexed products, and he has worked with the industry’s top carriers to help them develop cutting-edge products that clients want.

    Recent Posts

    Why IUL Cap Rates are Decreasing

    Posted by Jason Konopik on Wed, Jan 31, 2018 @ 12:00 PM

    You may have seen some pretty large industry movement in decreasing cap rates at carriers, especially in regards to Indexed Universal Life insurance (IUL). It seems like this is an industry wide issue and “carrier chatter” is really heating up across the board.

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    Tags: IUL

    How to Help Your Clients Avoid and Recover from Financial Hardships

    Posted by Jason Konopik on Wed, Oct 11, 2017 @ 12:00 PM

    Coming out of a bankruptcy or losing a high paying job, people are often put back to square one in a financial sense. As a result, perhaps all of their saving are lost, or even worse, their retirement nest egg. Often they are digging out of a massive financial hole, and in doing so, the client needs to make very hard financial decisions. 

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    Tags: strategies, annuity, IUL

    How Your Client's Indexed Universal Life Policy Credits Interest

    Posted by Jason Konopik on Thu, Jun 08, 2017 @ 05:58 PM

    A very basic way to understand how Indexed Universal Life (IUL) credits interest is to think of it like a very simple game where you flip a coin 10 times. There are then two ways to play the game. In Game 1 you win $100 for every head, and lose $100 for every tail. Game 2 awards you $70 for every head, but you lose nothing for every tail.

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    Tags: IUL, strategies

    Why Illustrating a Switch From Death Benefit Option B to A Makes Sense

    Posted by Jason Konopik on Thu, Sep 22, 2016 @ 05:17 PM

    Universal Life insurance offers two death benefit options. Most producers know the difference between the death benefit options. But, few understand how structuring the policy correctly can make a significant difference to long-term cash values.

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    Tags: IUL, death benefit

    Should Your Client Take Fixed or Variable Loans?

    Posted by Jason Konopik on Mon, Aug 08, 2016 @ 05:07 PM

    Life insurance provides valuable protection for loved ones. While the primary purpose of pure life insurance protection is to provide a death benefit, many cash-value products offer "living benefits" that you can take advantage of during your lifetime. One major living benefit of cash-value life insurance is access to the cash values in times of need, such as to help pay for a child's education or to help fund retirement.

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    Tags: IUL, Illustrations, Variable Loans, Fixed Loans

    How Are GPT and CVAT Different?

    Posted by Jason Konopik on Mon, Aug 01, 2016 @ 05:12 PM

    To maximize the power of Internal Revenue Code (IRC) Section 7702 many producers wonder what is the best way to structure a life insurance policy if given the choice of using either the Cash Value Accumulation Test (CVAT) or the Guideline Premium Test (GPT). For this reason, making the proper choice -- or selecting a product with the specific test more favorable to the plan design -- is an important issue when structuring the policy. The test selected can have a significant impact on premiums, cash values and death benefits.

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    Tags: IUL, Illustrations


    This content is for informational and educational purposes only and is not designed, or intended, to be applicable to any person's individual circumstances. It should not be considered as investment advice, nor does it constitute a recommendation that anyone engage in (or refrain from) a particular course of action.

    The third party tools and information included in this communication have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Partners Advantage.  Third party vendors are not affiliated with Partners Advantage.  Each Financial professional should carefully consider and research the merits of any third party materials that are provided to their clients.