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    3 Strategies to Help Close IUL Sales with High-Income Clients (That Successful Financial Professionals Use)

    Posted by Lori Fogle on Wed, Apr 28, 2021 @ 12:00 PM

    Most financial professionals would love the opportunity to work with high-net-worth clients, but as you may have experienced... it can be a challenge to get in front of these individuals and also a feat to actually make it to the end of the sales process.

    Selling life insurance can be particularly tricky because of the many aspects outside of your control. For this reason, having specific strategies for closing IUL sales with high-income clients can be important to the success of your practice.

    Keep reading because you may benefit from adopting the strategies we outline in this blog post.

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    Tags: IUL (indexed universal life insurance), permanent life insurance

    Top 10 Most-Read Blog Posts of 2020

    Posted by Lori Fogle on Wed, Dec 30, 2020 @ 12:00 PM

    Well, it’s been quite a year, hasn’t it?

    It feels like the rug was pulled out from under us.

    But hopefully there were still some positives to come out of 2020 for you.

    One being that you realize the significance of what you do every day. Planning for the unexpected and the protection products you help put in front of clients has never been more important. YOU and the work you do has never been more important.

    For us, continuing to provide helpful content was just a small part of the service we hope we delivered to you this year.

    Although we are anxiously looking forward to 2021 and everything we have planned to help you make it your best year yet, we like to take time to reflect on how we did.

    And look back at what content resonated most with you.

    To that end, we’ve compiled a list of the Top 10 Most-Read Posts of the Year. Did you miss any these? You can check them out below:

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    Tags: IUL (indexed universal life insurance), Social Security, Roth IRA, volatility control index, Roth Conversions, sequence of returns risk

    What You Need to Know About IUL Insurance Policy Loans

    Posted by Lori Fogle on Wed, Dec 16, 2020 @ 12:00 PM

    If an indexed universal life (IUL) insurance policy is structured properly, loans could be one of the most important features of an IUL for the right person and right circumstances. 

    And it could be especially important right now as  clients may be looking for extra sources of income -- wondering what they own and how they can access it. 

    One source they may not have considered is an IUL. The distributions from an IUL can be a tax-friendly way to access money when a client needs it. However, there are many nuances to IUL loans and it’s extremely important to understand all the ins and outs before speaking to your client.

    In this post, we’ll cover what you need to know about IUL loans so that you can help clients decide if this might be a good option for them. 


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    Tags: IUL (indexed universal life insurance), policy loans

    Wealthy Family Secrets That Could Benefit Your Middle-Income Clients

    Posted by Lori Fogle on Wed, Oct 07, 2020 @ 12:00 PM

    The top 1% have a "secret" they've used since the Great Depression to help put themselves and their families in a better position.

    But we think middle-income clients can benefit from this wealthy family secret as well. In this post, we’ll share how. Plus, we'll cover how you can make a living as a financial professional in this market.

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    Tags: IUL (indexed universal life insurance), whole life insurance, permanent life insurance

    5 Mistakes to Avoid When Using Life Insurance in College Planning

    Posted by Lori Fogle on Wed, Jul 22, 2020 @ 12:00 PM

    Do you have clients or prospects who are planning to help pay for their children's college education? It probably comes as no surprise that the cost of tuition has skyrocketed—but just how much are we talking?

    Since 1982, tuition has went up a whopping 500%, which to put in perspective, is twice as much as costs for medical care and three times as much as the overall Consumer Price Index during that same period (Source). 

    And the cold truth-- the families who don’t plan ahead may not be able to send their kids to the college of their choice. As a financial professional, you can help put clients in a better position to cover a portion of these costs down the road through their decision to purchase a life insurance policy. 

    But here's what you need to know: if you're considering showing clients how to use the cash value in permanent life insurance to supplement costs when college planning-- make sure it’s done correctly. In this post, we’ll cover 5 top mistakes to avoid:

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    Tags: IUL (indexed universal life insurance), college planning

    Volatility Control Indices: Are they as good as they look?

    Posted by Lori Fogle on Wed, Jul 08, 2020 @ 01:00 PM

    Right now, it’s tough to find an S&P 500® cap on a fixed indexed annuity or indexed universal life product that will get a client excited. With the recent drop in the market and rates at an all-time low, you’re likely searching for a way to give your clients SOME hope of a credit in their indexed annuity or IUL policy. Have you considered a volatility control index? In this post, we dive into ways to evaluate them --

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    Tags: IUL (indexed universal life insurance), annuity, volatility control index

    How to Choose a Life Insurance Carrier for Your Client's Policy

    Posted by Mark Triplett, CEO of Triplett-Westendorf Financial Group on Wed, Jun 24, 2020 @ 01:30 PM

    Clients often ask me, “What’s the best life insurance policy?” The appropriate answer is not as simple as naming a carrier and their newest product. If I were to rephrase their question, it would be: What kind of life insurance fits my situation, or do I need it at all? And which life insurance company has products that are right for me and my family? To answer these questions for your client and narrow their options, here are some important considerations --

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    Tags: IUL (indexed universal life insurance)

    Help Make Clients Immune... with Life Insurance?

    Posted by Lori Fogle on Wed, Jun 17, 2020 @ 12:00 PM

    It's been since January when the first case of coronavirus was reported in the United States and mid-March since the first stay-at-home orders were issued and understandably, our country is still reeling. As of June 4th, it was reported that 21.5 million Americans were unemployed and over 100,000 small businesses have had to close their doorsThe good news is, there has been talk of new jobs being created and some businesses are reopening. Things will get better, but clients and prospects will still be looking to you for answers-- 

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    Tags: IUL (indexed universal life insurance), taxes

    Be a Mind Reader of Client Financial Concerns

    Posted by Bill Jackson J.D. CLU on Wed, Jun 10, 2020 @ 12:30 PM

    Have you seen the news lately? It looks like the market has rebounded nicely but will it hold? Who can tell. Clients and prospects who stayed the course are to be complimented as the most savvy because they did not bail and lock in substantial losses without recovery. However, if we could read the minds of these good stewards of their retirement assets, many of them would be saying…

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    Tags: IUL (indexed universal life insurance)

    Here's How IUL Insurance Could Benefit Clients of Almost Any Age

    Posted by Partners Advantage on Wed, Jun 03, 2020 @ 12:00 PM

    One of the most popular questions I get is “What is the best age for a client to purchase an Indexed Universal Life Insurance policy?” I always respond the same way... 

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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.