Retirement Strategies That Beat Father Time

How deferred income annuities can be a powerful option in creating a successful retirement plan. While most people refer to him as Father  Time, in the financial industry we have a more accurate, yet slightly less friendly, name for him: longevity risk. If longevity risk—the risk of outliving one’s money—was an easy problem to solve, … Continue reading

The High Wire Act of High-Net-Worth DI Claims

Agents who sell disability insur­ance (DI) to high-income profes­sionals often admit that the call they most dread receiving from a client is the one that begins with these five words: “My claim has been denied.” Often a mixture of accusation and out­rage, the client’s harsh tone immediately triggers the agent’s defenses. What went wrong? Why … Continue reading