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    Understanding Two Types of Life Insurance Premium Finance Options

    Posted by Bill Jackson J.D. CLU on Wed, Jun 12, 2019 @ 12:00 PM

    Premium financing can be a valuable financial tool, but the strategies behind it can be complex. Before you discuss the topic with a client, you need a clear understanding of premium finance options because this must be set up and managed correctly.

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    Tags: IUL (indexed universal life insurance)

    Why You Aren't Selling More IUL (And What You Can Do About It)

    Posted by Lori Fogle on Wed, Apr 24, 2019 @ 12:00 PM

    Savvy financial professionals know it’s not easy to sell something “invisible” like an idea. It’s very different than selling a physical product. You’ve probably seen a lot of great sales concepts rolled out by insurance carriers and marketing organizations, but how many worked in a real-world setting?

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    Tags: IUL (indexed universal life insurance), sales techniques

    Non-Medical vs Underwritten Life Insurance Policies

    Posted by Partners Advantage on Tue, May 01, 2018 @ 10:25 AM

    In the life insurance application process we often hear, “I do not want to take a medical exam…” While not every type of life insurance plan requires a medical exam, there will be times that it’s necessary when applying for coverage. Is one type better than the other? No. It really just depends on the needs of your prospects/clients, and if they are eligible for a non-medical option.

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    Tags: IUL (indexed universal life insurance)

    Choosing the Life Insurance Carrier for Your Client's Policy

    Posted by Mark Triplett on Wed, Feb 28, 2018 @ 12:00 PM

    I’m often asked, “What is the best indexed universal life insurance policy?” The appropriate answer is not as simple as naming a manufacturer and their newest product. If I were to rephrase their question, I think it is best to ask, “How should I select a life insurance product for my client, and what key factors should I consider?”

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    Tags: IUL (indexed universal life insurance)

    Life Insurance Products for Clients Focused on Wealth Accumulation

    Posted by Scott Turner on Wed, Feb 14, 2018 @ 12:00 PM

    There are many cash-value life insurance products for clients who are focused on protecting their loved ones, wealth accumulation and tax-free distributions. The differences between these products can significantly impact the wealth accumulation potential of the policies. Let's examine the various cash-value products available and determine the top life insurance products for this purpose. 

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    Tags: IUL (indexed universal life insurance), retirement strategies

    4 Ways Clients Can Use Life Insurance in a Retirement Income Strategy

    Posted by Mark Triplett on Wed, Feb 07, 2018 @ 12:00 PM

    When I think of a retirement strategy, the first thing that comes to mind is often the accumulation of assets and investing strategies. As a fiduciary investment advisor developing and implementing retirement income strategies for my clients, I’d argue that investing is the easy part of the process.

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    Tags: IUL (indexed universal life insurance), retirement strategies

    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 (indexed universal life insurance)

    How Your Clients Can Increase Future IUL Contributions

    Posted by Scott Turner on Wed, Jan 24, 2018 @ 12:00 PM

    Financial professionals often look at clients solely through the eyes of an illustration. We assume what a client looks like today will continue into eternity, instead of realizing that life changes over time. One example of this has to do with clients being able to afford higher contributions to an indexed universal life insurance (IUL) policy in the future than what they can afford today.

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    Tags: IUL (indexed universal life insurance), retirement strategies

    Evolution of Life Insurance Tax Codes

    Posted by Jeff Janes on Wed, Dec 13, 2017 @ 01:00 PM

    Until 1982 no statutory rule existed that defined the characteristics of life insurance for federal tax purposes. However, in the early 1980s, Congress was motivated to act by the development of a new generation of Universal Life contracts because these new products provided significantly more cash-value build-up than was needed to support the death benefit.

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    Tags: IUL (indexed universal life insurance)

    How Order of Returns Risk Can Impact Your Clients

    Posted by Mark Triplett on Wed, Nov 22, 2017 @ 12:00 PM

    One of the most common risks in retirement is order of returns risk (also known as: sequence of returns risk). It is well known within the financial services industry that investing in marketable securities exposes clients to this risk. However, do your clients know that many indexed products are not immune from order of returns risk?

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    Tags: IUL (indexed universal life insurance), retirement strategies

    FOR PRODUCER USE ONLY. NOT FOR USE WITH CLIENTS.

    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.

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