Issues Impacting Life Insurance Sales

Potential buyers of life insurance must make many decisions when selecting policies appropriate for them. Currently complicated outside factors are influencing their thinking and may be affecting purchases. These factors are low interest rates, the pending reduction of the estate/gift tax exemption, and the reserve requirements in Actuarial Guideline 38 (AG 38) and Europe’s Solvency … Continue reading

8 term life sales ideas for Gen X & Y prospects

These concepts can help producers open the door to more advanced client solutions down the road while securing badly needed coverage now for many of today’s under-50 consumers. As any agent or advisor will admit, it can be difficult to explain the full gamut of life insurance products to potential and current clients. This is … Continue reading

Insurance News – Genworth: Life Insurance Products Designed To Shift Portfolio Mix, Adjust For Low Interest Rates

Insurance News – Genworth: Life Insurance Products Designed To Shift Portfolio Mix, Adjust For Low Interest Rates.

Educating Clients About Policy Riders And Options Is Essential

When Dean Cartwright purchased a term life insurance policy from Southern Farm Bureau Life Insurance Company in 2001, he had one goal in mind: to protect his wife Susan in the event of his death. The self-employed landscaper and lawn maintenance company owner knew the importance of planning ahead for the unexpected and, after meeting … Continue reading

Life insurance as asset protection

The last five years have produced an explosion in the number of clients looking for solutions to both asset protection and estate planning issues. Your high net-worth (HNW) clients are rightly more concerned than ever before with loss than growth. That’s due to a variety of factors threatening their wealth, including increased litigation risk, decreased … Continue reading