Disability Insurance Insights…

Ninety-seven years ago, Solomon Hueb­ner, founder of The American College, taught us that there are two kinds of death: dead death and living death. Either kind of death destroys one’s ability to earn an income, and the financial consequences are the same—earned income ceases. Thus, it must be part of our core values as financial … Continue reading

Women particularly at risk when it comes to disability

The impact of disability can leave women, especially single women, financially vulnerable BRYN MAWR, PA – According to a new study released by The State Farm Center for Women and Financial Services at The American College, women, whether they’re working or a stay-at- home mom, single or married, women are most at risk both physically … Continue reading

Annuities 101

Don’t understand annuities? Join the club — they’re complicated products. This starter’s guide offers up the basics for life insurance producers interested in adding annuities to their offerings. Annuities can be extremely multifaceted, which makes it all the more important for financial service professionals to understand them, inside and out. This beginner’s guide to the … Continue reading

Understanding the Tax Implications of Life Insurance, Part 1

Producer Roundtable Questions were posed to three top producers regarding some of the practicalities and issues surrounding the use of life insurance in tax planning. Q: The tax ramifications of life insurance can be extremely complex, and, as such, it can be a fairly intimidating issue for some producers to address. Can you talk a … Continue reading

How to Make Asset-Based LTC Insurance Part of Your Practice

In June, LIMRA research data showed that new premium sales for asset-based long- term care (LTC) insurance products grew by 62 percent in 2010, a strong follow-up to the double-digit growth for these products in 2009.  In fact, 2010 sales surpassed $1 billion. While products in this genre have been available for more than 20 … Continue reading