The Shift From Guarantees: How to Pivot
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As we’ve watched the life insurance industry change, we’ve seen an emerging trend away from lifetime guarantees. Persisting low-interest rates coupled with regulation has made lifetime guarantees expensive and hard to price. But that doesn’t mean life insurance is less important. In fact, it remains a vital part of your client’s financial future. The move away from lifetime guarantees makes it necessary to pivot your business in a way that gives your clients upside potential and future flexibility. During this webinar, learn more about how to:
- Leveraging certain UL options to get more and pay less than with GUL
- How crediting rates impact policy performance
- Increasing flexibility when it comes to cash value
By broadening your portfolio, you can still use life insurance to enhance your clients’ financial plans. We’ll show you how.
Sam Rocke leads the Protection division at Ash Brokerage. He's driven to produce the best possible results for each individual, family or business as he assists by providing objective evaluations of new or existing coverage.
If you want to talk life insurance products, Justin is your guy. For almost 10 years, Justin has spent his career supporting advisors with life insurance sales for John Hancock. He’s had roles on their National Sales Desk, worked as a Sr. Sales Coordinator, and now is the go-to resource for product knowledge. Justin earned his Bachelor of Science in Finance with a concentration in financial planning from The University of Akron.