Why Single Premium Life and Who is Buying It?

Why Single Premium? Seniors are tired of low returns, high risks and many are seeking ways to recreate lost wealth for their heirs. Some need benefits for nursing or home health care but want to reap these rewards without the usual underwriting hassles and concerns. Some single premium life products provide an alternative to clients…

Alert, Equifax Hack: Tell Your Clients to Do This

Credit agency Equifax announced yesterday that it suffered a data breach affecting 143 million U.S. consumers. The hack exposed names, Social Security numbers, addresses, birth dates, and driver’s license numbers—all critical pieces of information used by identity thieves to impersonate people and conduct fraud. This is probably the most consequential data breach in history, considering…

Millennials & Life Insurance

Millennials are a unique generation with a new approach to life,which includes the way they secure information, collect insights and make purchasing decisions. This is especially true when it comes to benefits and financial products — particularly life insurance. In this under-served segment, only 16% own individual life insurance and about a third are likely…

Asset Protection 101

If you have prospects up to age 99 who are looking for a crediting rate that is often higher than today’s CD rates, offers tax-deferred growth and passes income tax-free to heirs, while featuring comprehensive protection from creditors, then IAMS has two products that deserve your attention. Many of your clients understand the value of…

Reposition Lazy Assets

Picture this if you would, you get up and start your day just like you would any other day. You make calls to schedule new annuity appointments, you have your initial fact finding appointments, you have your closing appointment, complete paperwork, deposit commission checks in the bank etc, etc. Life is good! All of a…