As a financial professional, you’ve likely spent much of your career helping clients navigate their assets, with a focus on accumulation to help them reach their goals, whether it is a new house, their children’s education, or the big one: retirement.

As you start your 2019 planning, keep in mind that one Social Security claiming strategy is still available for some clients: the Restricted Application. This “almost-gone-but-clinging-to-the-edge” claiming strategy is alive and well. And, the income benefits can be substantial.

As 2018 draws to a close, one thing we can count on in the new year is that U.S. consumers will still have a lengthy list of needs for protection and longevity planning. Following are five ways to enhance life insurance client service in 2019. Some of the strategies are explained in more detail than…

Premium financing has historically been a strategy that high-net worth individuals use to help pay their life insurance premiums when they had a large premium need, but preferred not to access capital or reduce cash flow for the premiums. High-net worth individuals often need to secure life insurance coverage with death benefits exceeding tens of…

Last time, I discussed how the most influential disrupter to the enhanced benefits industry must be the willingness of the broker community at large, to adjust, adapt, and embrace our ever-changing market. How brokers must position themselves as either an innovator who drives the change or an adopter who follows those innovators and helps to…

Years ago, parents and students were able to fund a college education through a combination of grants, scholarships, savings, and student loans.  However, times have changed, tuition rates have skyrocketed, and grants and loans have not always kept up with the cost of college expenses.