Life Insurance Selling January 01, 2007

Features

• Selling to Seniors: If Medicaid is Your Plan for Long-Term Care - Think Again

  By Gerald O. Summers

  For years, Medicaid planning has been a popular way for many Americans to plan for the eventuality that they might need long-term care. For those unaware of the term, Medicaid planning is the process by which those with the means to pay for

• The Simple ILIT

  By David K. Smucker

  We're all familiar with the irrevocable life insurance trust (ILIT). It's an excellent device for creating estate liquidity. Usually, Mom and Dad create an irrevocable trust, designate a trustee, and name their children as beneficiaries. The

• Time to Bundle Up: The Advantages of UL - LTCI Combination Products

  By Mark Doherty

  With the first of the baby boomers reaching retirement age in 2006, the generation is facing many issues, including protection of their standard of living. Though the boomers will enjoy more years in retirement than previous generations, the

• Protecting Retirement Contributions Through Visionary DI Products

  By Larry Saffer

  As the defined benefit era yields to the trend toward defined contributions, more Americans are taking retirement planning into their own hands. Young people, especially, aren't counting on an old-fashioned pension or Social Security to see

• Estate Planning Isn't Just About Estate Taxes

  By David B. Deboer

  As most of us know, Congress has brought the issue of federal estate taxes into the public eye. Almost every week there seems to be a different proposal on estate taxes as to timing, thresholds, and even the permanent elimination of the estate

• How Belonging to a Professional Association Can Help You

  By Staff Writer

  It costs money and time to belong to a professional association (PA) like the Society of Financial Service Professionals (FSP). Why is it worth it? How should the producer pick a PA? What can he or she expect from belonging? Life Insurance

• Annuities ... Now More Than Ever!

  By Albert L. Gray

  Life is full of "ifs." Fortunately, during a worker's younger years there is time to recover from investment mistakes. Also, safety nets prevail in the form of insurance and disability programs for sickness, accidents, and premature

• Value Beyond the Spreadsheet: A Consultative Sales Approach

  By Staff Writer

  The insurance and financial services marketplace is flooded with competition. Ask an HR employee at an average company how many producers are vying for the company's business and the number could be upwards of two dozen. Producers must be able

• Recognizing the Value of Estate Planning for Women

  By Mitchell G. Rubin

  Women often do not give themselves enough credit. As they continue to amass wealth as the primary breadwinner of the family, or by being part of a dual-income family, it is important that women realize the value of estate planning. Some