combination products

• Are you overlooking those who may need you the most?

  By Charles K. Hirsch, CLU  |  October 1, 2012

  Three top producers explain how they thrive by focusing on the needs of middle-income clients. Let their example be your guide to success in this vastly underserved market.

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  Overcoming middle-market sales hurdles

  By Philip K. Polkinghorn, FSA  |  October 1, 2012

  The middle market represents an estimated $10.2 trillion opportunity for producers, but with an unconvinced, non-buying public, reaping that reward won’t be easy. Here’s how to leap over the obstacles in your path.

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  What's hot in the middle market

  By Charles K. Hirsch, CLU  |  September 26, 2012

  Three top producers serving the middle market talk about what products their clients are most attracted to right now.

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  Overcoming Middle-Market Sales Hurdles

  By Philip K. Polkington, FSA  |  September 21, 2012

  The middle market represents an estimated $10.2 trillion opportunity for producers, but with an unconvinced, non-buying public, reaping that reward won’t be easy. Here’s how to leap over the obstacles in your path.

• Essential Guide to Life Insurance

  By Ed McCarthy, CFP  |  September 4, 2012

  Now more than ever before, older clients want the guaranteed returns and risk protection life insurance offers.

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  A Combo Plan for Boomers

  By Mark S. Fitzgerald  |  July 10, 2012

  Your boomer clients have multiple needs when planning for retirement. An annuity with lifetime income guarantees and health-care riders can be a solution.

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  LIMRA: Life Combination Products Continue to Grow

  By Michael K. Stanley  |  May 22, 2012

  Sales of life-LTCI hybrids increased 56% in 2011.

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  LTCI's Revolutionary Evolution

  By Paula Dorion-Gray  |  November 1, 2011

  The world of long-term care, and the business of funding such care, may still be in its formative stage. In comparison to other financial products, long-term care insurance (LTCI) policies are very young, with the first appearing just a few decades ago. It’s not clear whether LTCI is in the...

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  LTCI’s Revolutionary Evolution

  By Paula Dorion-Gray  |  October 12, 2011

  Consumers are increasingly snubbing health-based long-term care insurance in favor of products tied to life insurance or annuities

• The New Crop of LTCI Products

  By Bruce Moon  |  August 29, 2011

  In recent years, financial professionals have faced many challenges. This is not new news -- but it may be especially true for those of us who seek to protect our clients from the costs associated with long-term care.