LIBRA PARTNER
1. Very low cost- a permanent plan designed almost as term for life;2. Long term care insurance is included- the death benefit doubles as a long term care pool. Use for home care or facility care. Any portion not used is paid at death;3. Positive return- benefits exceed premiums paid for an attractive rate of […]
In the late hours of 2020, the Consolidated Appropriations Act, 2021 (CAA) bill was passed and signed into law. This bill includes revisions to Section 7702 of the Internal Revenue Code. This article discusses the changes and potential effects on the life insurance accumulation space. • Section 7702
Is COVID-19 making it more difficult to connect with clients? For life insurance producers, building a business has always been about networking and meeting new people. Is it any surprise that social media and social selling have become a mainstream way to stay top of mind and deepen the relationships you have with your clients? […]
Linked/Hybrid LTC Resource Guide This product type provides for significant Long Term Care benefits using a life insurance “chassis”, but with a minimum death benefit, and offers guaranteed premiums and design flexibility.The Hybrid/Linked products available today vary with respect to issue ages, benefit periods, inflation options, etc. Who are the market leaders in […]
Human API is a health technology company that gives consumers a simple way to share their Electronic Health Records (EHR) data with the businesses that need them. Rather than rely on manual processes that involve phone calls, faxing, or mailing, Human API retrieves medical records digitally. For more information, visit www.humanapi.co. The traditional process of […]
It’s no secret — the cost for various long-term care services goes up every year. With no end in sight, how can your clients afford not to have long-term care insurance?We have resources that can help you educate your clients on just how expensive long-term care services are — and, they’ve just been updated with […]
For clients who are on the fence about making large gifts and want a plan that keeps their options open, leveraging lower interest rates with private-finance loans may offer a compelling solution. For more information on how a “wait and see” technique works, check out these popular resources. “Wait and see” loans client guide”Wait and see” […]
Term: Vive (Banner, Pacific Life, Principal, Protective, Prudential)- please make sure you are appointed prior to submitting a case. VIVE is the ideal electronic platform for submitting your term insurance business. You can access Vive on the Underwriters Brokerage Service website at www.ubsnet.com. Click “ALREADY A VIVE USER” to launch Vive or “NEW TO VIVE” for additional information. Reference […]
Permanent Life Insurance: The Ideal Time to Plan for Tomorrow is Today Permanent life insurance can be for purely long-term protection purposes; think Guaranteed Universal Life or low-cost products with life expectancy guarantees. Other policies can, however, provide for personal, tax deferred savings in addition to the tax-free death benefit. Premium waiver and Chronic Illness/LTC benefits may also be available. Consider […]
Uncertainty means your clients need to be sure their families and businesses are properly protected. Talk to your clients now: Recent investment portfolio losses are significant but will recover in time, IF they have the time.Solidify your clients’ overall financial plan by adding term insurance to address temporary portfolio losses.Remember, should they die, their family’s financial loss is significantly compounded […]