Opportunities and Innovations

A qualified retirement plan may purchase life insurance to provide death benefits. Such a purchase must be authorized by the plan document but the decision to buy a policy may be made by either the plan administrator (employer) or the participant. In a Defined Contribution plan, the policy is part […]

Among the many insurance policies you must carry from auto insurance and home insurance to health insurance, disability insurance isn’t a common consideration. However, disability insurance can be crucial in case you are rendered unable to work due to a disability.  Some people believe that the government will adequately protect them through […]

If you buy life insurance, read through the documents provided to you. It is essential to learn all terms and conditions. Most policies have some fairly difficult language. It can be confusing without some help from your agent. The conversion privilege is one area you need to consider. It is the […]

Life insurance is necessary for many reasons, but to continue to carry coverage, you have to pay for it. Still, for some people premiums can be very high. The premium on your plan will be determined by many risk factors, and the higher the risk you pose to your insurer, […]

From the moment we all first received payment for work, we have, either consciously or subconsciously, put a dollar value on our time. When I was 10 years old, with no earthly expenses, responsibilities, or any other place to be, $10 to mow the lawn at my parents’ house felt […]

An annuity may be a viable option for your retirement financial security. An annuity is a contract between you and the insurance company by which you make a lump sum payment or series of payments. In return, the insurer agrees to make periodic payments beginning immediately or at a set […]

What Is A Policy Review? Life insurance policies need to be reviewed and evaluated to ensure: 1.  Policy is performing as originally designed and is still on track to meet the financial and protection needs of your client. 2.  Remains suitable to your client’s current financial situation. 3.  Policy has the most competitive pricing […]

Getting older, sustaining a disability or suffering a chronic illness could get consistently more expensive as time goes on. They might also raise the possibility that you might no longer be able to live comfortably without professional assistance. Still, both in-home care and care received in a facility will come […]

Most people don’t have an extra $100,000 available to pay for long-term care services. But according to Mutual of Omaha’s current cost-of-care study, that’s approximately what a year of nursing home care would cost. Read More at Mutual Of Omaha.

Important New Business Update: IRC 7702 Tax Limit Changes As a part of Prudential’s reconciliation process, impacted customers with a policy effective date in 2021 will receive a letter explaining the new tax limits. To help you prepare for future conversations, please see the following communication, which includes sample letters […]

To get more clients on their way to a faster, more convenient buying experience, beginning July 19, 2021, all PruFast Track eligible business MUST be submitted via Prudential Xpress QuickForm worksheet. Learn More

Why wait to become an expert? Learning a new product takes time, and figuring out how to incorporate it into your practice can take even longer. But what if you could speed up the learning process? Securian’s video resource library is designed to help give you the product knowledge, prospecting […]