In legacy planning, simply leaving money to a grandchild in a will is leaving money on the table. Instead, depositing money into a joint and survivor single premium immediate annuity (SPIA) with a cost of living adjustment rider can provide guaranteed income for life.

Business owners are looking for ways to attract and retain key employees, and sometimes group LTD is not enough. With multi-life disability coverage, business owners can protect more income for their key employees. Here's what to look for and three steps to get started.

Here's your how-to guide for multi-life disability insurance – an untapped solution for an unmet need. Unlock the potential of multi-life DI and discover the best businesses to target, how to gather the needed information and how to get the policies approved.

There are hidden opportunities in your book of business. By leveraging our cutting-edge technology and specialists to streamline your in-force policy management process and optimize client connections for future growth, we can help you uncover them.

For clients wishing to do more than put aside a college fund, cash value life insurance can be a way to fund a child's future. Take a look at how a properly-structured IUL can fund more than a just a college education and set the child up for financial success.

Fluidless, accelerated, express, simplified – no matter the words you use, one thing is certain: More and more insurance companies are offering streamlined underwriting processes. This cheat sheet will give you an overview of the programs available and if your clients qualify.

Businesses struggle to retain key employees, and an often-overlooked area is income protection. Multi-life DI can close the income gap and incentivize employees to stay. With this one-pager. determining if additional coverage is needed is simpler than you think – and so is the process!

Don't miss a potential sale! As a bank teller, it can be hard to know what to say to clients to get a referral for retail bankers. This series of topics helps you find key indicators in potential clients, with an easy reference sheet on questions to start the planning process.

A Charitable Lead Annuity Trust (CLAT) is an IRS-approved method that allows a donor to reduce a portion of their income taxes by promising gifts to charity(s) over time. Under the right circumstances, it can generate benefits for charities and a donor.

Like other states, New York is considering a state-funded trust program to help with the cost of long-term care for its residents. While the legislation is currently in the proposal stage, now is the time to learn what it means for you and how you can prepare.

Developing an exit strategy is a pressing financial challenge facing small-business owners. For businesses with more than one owner, the ability to successfully sell a business interest at retirement is often dependent upon the quality of their buy-sell agreement.

Many clients are trying to make pension decisions for the future now. This can be especially tricky if they are trying to figure out whether to take a single life benefit or joint/survivor benefit annuity payout option from a defined benefit plan. This pension max overview can help.