Insurance for Critical Times

By Patrick J Kenney for Agent eNews. Patrick J. Kenney, CLU, ChFC, is Vice President and Regional Sales Manager for the Individual Sales Division of Assurity Life Insurance Company in Lincoln, Nebraska Consider for a moment the following statistics: Every 21 seconds, someone in the U.S. is diagnosed with cancer.1 Every 25 seconds, someone in … Continue reading

A New Kind of Insurance Could Expand the LTC Marketplace

For demographic reasons, growth prospects for the long-term care insurance (LCTi) market remain attractive.  Agent frustrations, however, are mounting with ever tougher underwriting standards, longer underwriting turnaround times and rising premiums.  The result is a growing population of consumers who either want LCTi but don’t qualify, or want it but can’t afford it.  Fortunately, a … Continue reading

Whole Life:Over the Years and in Today’s Marketplace

The most successful life insurance agents recognize that product changes over the years are a direct reflection of prevailing economic conditions and the way the public perceives them. In other words, life insurance, just like so many other products, is a child of its times. Understanding the marketplace dynamics––and how they can change––helps those in … Continue reading

Your Simple 3-Step Process to Selling Life Insurance

One of the biggest challenges most financial professionals face is helping clients (and prospects) truly understand life insurance.  The harsh reality is that life insurance is a very complicated, misunderstood, and often overlooked piece of a comprehensive financial plan. The best solution I found is to make this difficult discussion an educational process – versus … Continue reading

Insuring the Parents of Children with Special Needs

According to the most recent survey conducted by the U.S. Department of Health and Human Services, 13.9 % of children in the U.S have special health care needs. These needs vary and can include a range of conditions including chronic physical, developmental, behavioral, or emotional challenges.  The special needs of these children typically require health … Continue reading