Advanced Planning

3 Effective Key Employee Retention Strategies: A Series

Discover three strategies business owners can use to reward and retain their most valuable employees, including the characteristics of a good retention plan as well as the factors that may cause an employer to prefer one type of plan over another.

Steven Gates

February 2023 • 1-min read

Long-Term Care

Avoiding the Sticker Shock of Long-Term Care Insurance

By quoting the correct long-term care cost for your client's lifestyle, and splitting payments over 10 years, you can reduce the risk exposure of LTC at an affordable price. Keep the conversation going with this 50-10 hedge strategy.

Stephen Denton

January 2023 • 3-min read

Retirement Solutions

How 2022 Changed Annuities – And How We Should Respond

2022 is a year that will be remembered in the annuity industry. With the unprecedented rise in interest rates, our industry saw incredible growth. And the new year gives us the opportunity to reflect, look toward the future and create change.

Mike McGlothlin

January 2023 • 5-min read

Disability Insurance

Top 10 Income Protection Questions

Ever wondered the most common reason for a disability claim? Or how fast and how often Social Security DI claims are paid? How expensive is income protection? Get quick answers to our most common income protection questions with answers from our expert staff.

Tim Kukieza

November 2022 • 3-min read

Advanced Planning

The Value of Life Insurance in Estate Planning

The political winds shift quickly, and come Jan. 2026, the federal estate and gift tax exemptions are sunsetting. If you haven’t reviewed your clients’ estate plans lately, now is the time to have the conversation to help ensure they can leave more to their beneficiaries and future generations.

Sam Rocke

October 2022 • 6-min read

Long-Term Care

Top 10 Reasons LTC Planning Makes Perfect Sense for Business Owners

It's important to focus on the things you can control when helping your clients create a plan, especially when it comes to business owners who have unique financial needs. But by being the advisor who talks about long-term care, you can protect their bottom-line.

Stephen Denton

September 2022 • 4-min read

Disability Insurance

Level the DI Playing Field with Multi-Life

Multi-life policies can offer unisex pricing, which is a big deal for female executives. And you can be selective about who to cover.

Tim Kukieza

August 2022 • 2-min read

Long-Term Care

Unique LTC Solutions for Unique Clients

If your client has a health savings account, they can use their HSA to pay for long-term care insurance premiums. Through a group plan or a linked benefit LTC plan, see how to get the most coverage while minimizing the tax impact of premiums.

Stephen Denton

July 2022 • 3-min read

Disability Insurance

Why A Business Needs Key Person Disability Insurance

With key person disability insurance, business owners can make sure they have protection on those team members they can't do without. See what's important to talk about before the sale and how to design a policy for key employees.

Tim Kukieza

July 2022 • 3-min read

Long-Term Care

Identifying Clients for Long-term Care

When you’re ready to talk long-term care, you need clients who are ready to listen. Learn how to identify clients in different demographics including their 40s, 50s and 60s, who are most ready to discuss the need for a plan for LTC.

Stephen Denton

June 2022 • 5-min read

Retirement Solutions

Conquer the Efficient Frontier for Income Planning

There’s an efficient frontier for creating protected income in retirement. But it doesn’t require any additional assets from the client. We call it the Income Alpha strategy. And it can help you maximize return, minimize risk and transform your business.

Mike McGlothlin

June 2022 • 5-min read

Disability Insurance

Filling in the Disability Insurance Gap

Group DI, individual disability insurance and Social Security are three key sources to consider when it comes to complete income protection for your clients. Find out how to stack coverage together to strengthen your client's overall financial foundation.

Tim Kukieza

June 2022 • 5-min read