Life Insurance Selling February 01, 2010
Cover Story
Forward thinking on advanced markets
A trio of industry heavyweights offer insight on opportunities and threats like the tax treatment of life insurance, exit planning and STOLI while providing great advice on how producers can break into and make an impact in advanced markets.
Features
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Life insurance in a qualified plan
The Holy Grail of the tax and legacy planning
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State death taxes: The new planning concern
Despite the repeal of the federal estate tax for 2010, don't overlook the other factor in estate planning: Your clients can still be hit by the increasing number of state death or inheritance taxes.
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Give the whole (life) story about charitable giving
For clients with a desire to "give something back," one of the most affordable and beneficial ways is through the use of whole life insurance. Here's how to educate clients about this often ideal tool for charitable giving strategies.
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Help clients make medical decisions based on health, not wealth
Critical illness insurance can provide protection, preservation and peace of mind for your clients.
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Medigap on the comeback
Why Medicare Advantage is on the way out, and how an effective fact-finder can help you capitalize on the opportunity being created.
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Times are changing
How True Advisors must adapt and move forward with confidence.
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The power of mentoring
While you may have the talent and desire to achieve great success in the financial services industry, finding someone to guide you along your path can help you reach your goals much quicker and easier. Here's how to find that mentor.
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The bigger your IMO, the bigger your compliance risk
With the recent growth of independent marketing organizations, comes greater compliance and market conduct hazards. It is more important than ever to be aware of how to mitigate such risks as your IMO expands.
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Technology-enhanced service paves the way to Main Street
Enhanced fulfillment process helps distributors and producers focus on new opportunities among middle-market and emerging affluent Americans.
Columns
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What's Going On: Be a specialist
If you are considering a jump into advanced markets, you might want to consider the advice of MDRT President Guy Baker, MSFS, CFP, MBA: Become a specialist.
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Is this about insurance? - Staff additions to help your practice become a million-dollar firm
My friend, mentor and coach, Doug Carter, says, "Businesses don't grow, people do." Your current team might be maxing out their productivity and may not have the capacity to take you any further than last year.
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The Investment Edge: The new Catch-22
Mamas, don't let your babies grow up to be politicians. With apologies to Willie Nelson and his great song, whether you are Democrat, Republican or somewhere in between, this would be a tough time to be in Washington.
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To Your Good Health: Tax-deductible elephants
Many of us have advised a business owner on the purchase of individual disability income insurance only to hear, "That's great. I am going to pay the premiums from my corporation so I can deduct them."
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Better Prospecting: Navigating the sea of annuity marketing methods
If you have an insurance license and have inquired about annuities from any marketing organizations, you have, no doubt, been deluged with annuity marketing methods.
Departments
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LIS: Now & Then - Feb. 1957 and 2010
Quotes, statistics and a look back at LIS content from February 1957.
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Policy Showcase - Feb. 2010
A closer look at new annuity products.
