Recurring Premium Products Fuel Continued Growth Of Asset-Based Long Term Care Products

In a single word, the market for asset-based long term care (ABLTC) protection is booming. All factors considered the growth outlook continues to be promising for financial professionals and carriers...... 

2018 Milliman LTCI Survey

PLEASE NOTE: PDFs of the 2018 survey can be purchased here.

 

The 2018 Milliman...... 

Expenses Matter

When comparing permanent life insurance solutions for clients, some producers are drawn to indexed universal life insurance (IUL). Universal life’s flexibility and its potential for cash value...... 

Point-Of-Need Care Funding...The Journey Continues

For the past four-and-a-half years my business partner Ron Hagelman and I have been on a journey. In 2013 we were engaged by a British reinsurance company to develop a marketing plan for a product...... 

All Guarantees Are Not Created Equal

Life insurance can be complex.  With all of the moving parts—interest rates, dividends, crediting methods, living and death benefits, etc.—our products can be difficult for the average consumer to fully understand. ...... 

Use Private Placement To Open Doors

At The Leaders Group, we see three to four private placement cases a month on average, usually as a variable universal life policy but sometimes as a variable annuity. That may not sound like a whole lot, but it is significant due to the...... 

With Few Guarantees In Retirement, Life Insurance Policies Emerge As Many Retirees' Life Preserver

Retirement in America doesn’t come with a guarantee anymore. For many retirees, there is a growing uncertainty about their retirement and it is making them look closely at assets like life insurance policies as a way to pay for it.

The...... 


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