Hand underlining 2014 Goals with red marker isolated on white.

New Year's Resolutions & Life Insurance

It's a safe bet that many of your clients' New Year's Resolutions involve money. Help them see how life insurance lets them keep those resolutions.
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Family of 4 opening Christmas presents.

The Benefits of Asset Maximization

You’ve explained the concept of maximizing assets to your client: take an unused asset, purchase an immediate annuity with it, then turn around and utilize the monthly annuity payments for the annual premiums on a life insurance policy. But maybe before you describe the “how,” it’s best to highlig...
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Grandfather and grandson fishing together.

Who is Asset Maximization For?

Asset Maximization is a great tool to increase the value of your client’s estate without seeing it taxed. But it’s not for everyone. Here, we’ll take a look at what the ideal candidate looks like and discuss how to approach clients and prospects about asset maximization. The ideal candidate for ass...
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Family meeting with a financial advisor.

How to Help Clients Maximize Assets

Not only does your client want to ensure they have enough funds to survive comfortably for the remainder of their living years, but they also want to leave a legacy to their children. It’s becoming increasingly more difficult to transfer wealth to surviving family members. Humans live longer. Long-t...
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Smiling woman holding up a handful of cash.

Asset Maximization

As times change, Social Security lessens and people continue to live longer, your clients strive to find new ways to maximize their funds. Some are able to simply save enough in retirement and live happily ever after. They own enough assets that they’re able to live well above their means. These in...
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A present wrapped in dollar bills, tied with a red bow.

Life Insurance as an Asset Class

If you haven't talked to your clients about life insurance as an asset class, now's the time. They get stability, liquidity, and income-tax-free cash during retirement.
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A piggy bank wearing a graduate's cap, with books and a diploma.

6 Benefits of Life Insurance for College Planning

Due to the rising costs of college tuition, fewer families can pay to send their children off to college. But the youth of today are our leaders tomorrow, so it’s important that they receive their shot at a college degree without being hindered simply by money. It’s our job as insurance and financia...
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A full classroom of students.

An Example of College Planning With Life Insurance

Henry Jones wants his son, Henry Jr., to go to college just like he did. But, because his wife is sadly deceased, Henry is a single father. He’s not sure he'll be able to save enough money for his son’s college tuition. Junior is off on adventures quite often, so Henry Sr. is also a bit uneasy about ...
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Happy mom with her two kids.

Using Permanent Life Insurance for College Tuition

Does this scenario sound familiar? Your client started a college fund for their child's future educational expenses. Maybe it's a 529, or maybe it's a Coverdell account. But what happens if mom or dad become unemployed or disabled? If they can’t make the annual payments, most plans fold. If they ar...
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Young graduates wearing caps and gowns.

Life Insurance as a College Fund Option

We're now in the month of August, which means it's back to school for many. For clients with children, college funding may be stressful. Consider this: Married couple, two kids. Seems like your standard family, right? What few think of when considering the “standard” family is the amount of things ...
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