An article in the Financial Times announced, “profoundly low interest rates are here to stay,” which should cause investors to “recalibrate” assumptions with their investments. (1) On July 31st the Federal Reserve lowered interest rates for the first time since the...
There is nothing more frustrating, no matter what business you are in, then to spend hours with a client or prospect you feel you have “sold” on your idea and then not have them move ahead. After all, you know your solution is right. Why don’t they? I recently came...
The Tax Cuts and Jobs Act Of 2017 signed into law by President Trump drastically limited the number of estates affected by federal estate taxes through raising the federal estate tax exemption from $5.49 million to $11.18 million. With the higher exemption it has...
Are you like me? You can’t pass up the urge to buy a new book but never seem to find the time to read them all? Are unread books stacking up on your bedside table or office desk? Relax, there are those who believe your book buying is a “badge of honor.” (1) Why? The...
Tip #11 There is no one best permanent life insurance policy, but there is the best policy for each particular situation or client. Too often, when your clients buy life insurance, they are sold a particular “hot” product. The life insurance industry has done a great...
Tip #18 Cash value investment projections at policy issues are often too optimistic. When Ronald Reagan took office in January of 1981, interest rates were sky high. The federal funds rate stood at 19.08%. The life insurance industry came up with a product to take...
After spending over a decade keeping clients from getting sued or writing a big check, there are few people nationwide who know more about the steps to be taken by a trustee to mitigate liability and dramatically increase customer service. Each year, millions of dollars in checks are written behind closed doors by TOLI trustees. In this session, I will teach you how you can reduce the chances that one of those checks has your signature on it. This session is perfect for any organization that includes fiduciaries and trustees.
Selling a life insurance policy can potentially maximize its value – especially if it is no longer needed. But we all know that the sales process is often murky, at best. What if I took you behind the scenes to explain life settlements and showed you a prudent process to make thoughtful decisions about the sale of a policy? I will show you when to sell a policy (and just as important when not too) and how to get the most value for the policy – information found in very few places. This session is perfect for advisors that work in the estate planning community – especially with older aged clients.
Let me take you through the life cycle of a policy, starting with a process for policy selection and purchase. This session taps into my background in policy management. It offers guidance for ongoing policy stewardship, including steps you should take to maximize the value of a policy if your client’s goals have changed. As in my book, I provide very useable and comprehensive guidance so you can immediately assist clients in the use of life insurance. This session is perfect for anyone whose practice touches life insurance.
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