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    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 best life insurance product for this purpose. 

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    Tags: IUL, 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: strategies, IUL

    How Your Clients Can Increase Future IUL Contributions

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

    As advisors, we 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, strategies

    Importance of Retirement Income Planning Strategies for Your Clients

    Posted by Partners Advantage on Mon, Dec 11, 2017 @ 10:15 AM

    As more companies do away with defined benefit pension plans, the responsibility is left on individuals to ensure that they have enough income saved for retirement. The issue is many people don’t realize the importance of developing a financial strategy now or understand what needs to be done. Help your prospects and clients with a financial strategy that will help them not outlive their savings.

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    Tags: strategies, annuity

    Choosing the Best Life Insurance Product for Your Clients

    Posted by Jeff Janes on Wed, Nov 29, 2017 @ 12:00 PM

    Once you have made the decision to sell a cash-value policy to cover both the death benefit need as well as providing the opportunity to generate cash values for future distribution, the next question to ask is, "Which cash value policy should you sell? Whole Life, Universal Life, Variable Life or Indexed Universal Life?" The answer is, "It depends on what the client needs." 

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    Tags: IUL, strategies

    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: strategies, IUL

    Average vs. Real Returns: How the Difference Affects Your Clients

    Posted by Jeff Janes on Wed, Oct 18, 2017 @ 12:00 PM

    Average returns are often called the "simple" average. You just add up the annual returns and divide by the total number of years. While the calculation is simple, when your investment can go up and down in value from year-to-year, this is not always a good representation of real performance because average returns do not take market volatility into account.

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    Tags: IUL, strategies

    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

    Questions You Should Ask Clients to Reduce Delayed Applications

    Posted by Scott Turner on Thu, Sep 28, 2017 @ 12:00 PM

    To no surprise of anyone in our business, agents often express to me their frustrations with the life insurance underwriting process. When I consult with these agents, I find myself asking them the same important questions

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    Tags: strategies, IUL, business management

    Are Your Clients Hiding Financial Assets from You?

    Posted by Mark Triplett on Wed, Sep 20, 2017 @ 12:00 PM

    How well do you think you know your clients? What about their complete financial profile? If you have been in the industry for a while you may believe you know everything. However, most advisors who confidently tell me this are kidding themselves. Why can I confidently say this?

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    Tags: business management, 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.