Disability Insurance

Do Your Clients Need a (Financial) HUG?

To afford basic needs such as housing, utilities and groceries, your clients need to have income coming in. And that income needs to be protected. That’s where disability insurance (DI) comes in. And it’s more affordable than you or your clients might think.

George Wilkins

November 2024 • 3-min read

Long-Term Care

Turn Idle Nonqualified Annuities into Meaningful Tax-Free LTC Benefits

Allow Uncle Sam to pay for part of your client’s long-term care expenses by repurposing an idle nonqualified annuity into a Pension Protection Act eligible linked benefit annuity. Explore two different strategies for your clients.

Mickey Belt

October 2024 • 4-min read

Life Insurance

Create a Tax-Efficient Legacy with Predictable Lifetime Retirement Income

Using annuity arbitrage, you can secure a powerful, tax-efficient strategy that provides a guaranteed retirement income stream. It all works by leveraging the price discrepancies between a fixed indexed annuity and a life insurance policy.

Mike McGlothlin

August 2024 • 5-min read

Retirement Solutions

How to Decide Between Wet Signature and E-Signature

When it comes to annuity e-apps, which type of signature to use definitely causes the most confusion. Both e-signature or wet signature – a.k.a. printed pages signed with a pen – can be used. Looking at the pros and cons of each can help you decide.

Brendon Kelly

July 2024 • 2-min read

Retirement Solutions

Annuities and Taxes: What you Need to Know

Taxes play a big part in a retirement plan. And, if you client has an annuity, their taxes will differ depending on how it was funded, its riders and features and how and when it will be distributed. Here are the things to look out for, areas where you can take advantage and tax planning strategies.

Jim Dobler

July 2024 • 3-min read

Life Insurance

New Survey Shows Term Sales Are Changing: Three Key Takeaways

Price is only one factor of a good term insurance policy. As instant issue products continue to evolve, we partnered with Legal & General America to see how advisors are keeping up and choosing better options for their clients.

Nikki Parker

June 2024 • 4-min read

Life Insurance

How Section 7702 Can Help with Tax Diversification

Even if it's not your first thought, permanent life insurance can be a big help in tax diversification. With a Section 7702-Based plan you can unlock benefits not seen in other products. Uncover the advantages and learn how to incorporate Section 7702-based plans into your practice.

Thomas Losher

June 2024 • 3-min read

Life Insurance

Using Life Insurance for Charitable Planning

By combining charitable giving with life insurance planning, clients may be able to preserve personal wealth while supporting an organization they care about. See how to use an existing policy, when to consider a trust and other key factors to review.

Steven Gates

May 2024 • 5-min read

Retirement Solutions

Maximizing Returns and Mitigating Risk: Unlocking the Advantages of RILAs

Explore how Registered Index-Linked Annuities (RILAs) offer unique advantages, including higher cap rates, downside protection, tax-deferred growth, probate-free benefits and diverse index choices. Learn how to position RILAs as bond alternatives, increase return likelihood and transfer risk effectively in qualified accounts.

Brendon Kelly

April 2024 • 4-min read

Life Insurance

4 Hidden Benefits of LIRP (plus the unhidden tax advantages)

Even though it takes a backseat, a life insurance retirement plan (LIRP) has more to offer than tax advantages. Uncover four other key benefits and discover how life insurance can be a versatile tool in crafting comprehensive retirement strategies for high-net-worth clients.

Thomas Losher

April 2024 • 3-min read

Retirement Solutions

Decoding Market Behavior: The Electoral Influence on U.S. Stock Performance

With a presidential election comes uncertainty surrounding stock market performance. But, there are trends to look for before, during and after election cycles that can help you make informed decisions and guide clients toward financial success.

Mike McGlothlin

April 2024 • 2-min read

Long-Term Care

Long-Term Care with a Death Benefit

LTC insurance can help protect a portfolio from the cost of care, but product complexity can be intimidating. When the goal is to plan for long-term care, repositioning how you think about hybrid linked-benefit solutions could make a big difference.

Matt Stieglitz

March 2024 • 4-min read