Contract with AFBA and 5star Life Insurance

The Armed Forces Benefit Association (AFBA) was established in 1947 to offer life insurance to active military members.  This was a major benefit at the time as additional life insurance was not available to those on the battlefield.  One of the … [Read more]

Right plan will get you to “done”

“A good plan violently executed today is better than a perfect plan executed next week.” -General George Patton Planning is less about the plan and more about picking your battles, no pun intended on General Patton’s great quote. We’ve all … [Read more]

Life insurance for people with cancer

Statistics say one of three women and one of two men will be diagnosed with cancer in their lifetime.  Cancer does not discriminate.  We see more and more clients completely caught off guard upon diagnosis as they have no family history of the … [Read more]

Fixed annuities full of security protection

Imagine for a moment you’re a fly on the wall as a prospective client listens to a fixed annuity sales pitch.  Here’s what they hear: tax deferred, very low risk, lifetime income, unlimited contributions and a death benefit to top it off.  And, not … [Read more]

More evidence of market’s need for IUL

I had one of my weekly “duh” moments Wednesday. A just-released study from the LIMRA Secure Retirement Institute found that half of all U.S. households of pre-retired and retired people who have at least $100,000 in assets are interested in … [Read more]

Q & A: Digging under hood of fixed annuities

A recent training session with our agents generated a lot of interesting questions about fixed annuities.  It also reminded me that it is often the lesser known issues that trip up agents.  There’s some good information below if you’re part of the … [Read more]

So complex it will shoot out someone’s eyes

The opening paragraphs of the Social Security Administration’s "Social Security Handbook," a guide to the benefits program, state plainly: "The Social Security programs are so complex it is impossible to include information [in the handbook] about … [Read more]

Help seniors be secure with Social Security

The end of a year always gets us curious about changes in the coming year that will affect clients.  Most of us who are producing regularly having a growing percentage of our client base who are retired or near retirement age.  And, topic #1 for most … [Read more]