The Ins and Outs of Life Insurance Policy Loans
There are many types of permanent life insurance policies that offer a cash value component. The cash value in a permanent life insurance policy typically earns interest or returns, allowing it to grow...
View ArticleWill Your Clients Need to Worry About Student Loan Interest Rates?
With the cost of a college education climbing higher every year, it is no wonder that more than 70% of all students graduating from four-year colleges have at least some amount of student loan debt....
View ArticleSelling Life Insurance in a Price Conscious World
As humans, most of us have fallen victim to making the “impulse purchase.” This is particularly the case if the price of those items (that we think we need, but don’t) seems insignificant. As an...
View ArticleThe Risks to Clients’ Assets Without the Protection of Life Insurance
Although many people feel that they don’t need life insurance (or that they are adequately protected with only employer-sponsored coverage), the reality is that there is a long list of situations in...
View ArticleSelling Life Insurance to Clients with Health Issues
If you’ve been in the business of selling life insurance for any length of time, then you know all too well that a prospective client who has certain types of adverse health conditions may not qualify...
View ArticleHow to Determine a Client’s Real Need for Life Insurance
When most people think of life insurance, they typically consider the needs that their loved ones will face regarding future income and debt payments. In many cases, these thoughts are faced by younger...
View ArticleDoes It Make Sense for Clients to Combine Term and Permanent Life Insurance...
When offering life insurance to clients, oftentimes the sales presentation will take an “either / or” approach as it pertains to purchasing term or permanent coverage. But in some cases, an individual...
View ArticleHow to Help Clients with Filing a Death Benefit Claim
As an insurance professional, certainly, your top goal is ensuring that clients are properly protected with life insurance coverage. So, when the time comes to file for benefits, how can you best help...
View ArticleHelping Clients Understand Survivorship Life Insurance
While life insurance is oftentimes used as a method of ensuring ongoing income and/or debt payoff for survivors, there are many, many other strategies where this financial tool can be an ideal fit. One...
View ArticleTaxes and Life Insurance Proceeds
It is commonly known that the proceeds from life insurance coverage can provide survivors with a “safety net” for a myriad of possible needs like paying off debts, taking care of the insured’s funeral...
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