Oct 20

Bank On The Bull or Cash In The Cow? Why Neither Option Is Best...

I’m consistently reminded of the stupidity of Wall Street. And I don’t say that to be funny because the stupidity of Wall Street becomes the stupidity of Main Street.

Here’s what I mean. I picked up the Wall Street Journal and there’s an article titled, “As Stock Prices Keep Rising, Should Investors Move to Cash?"[1]

In the first sentence, here’s how they lay out the...

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Oct 14

Spokes On The Wheel: Is Your Marketing Working When You Aren’t?

Life IMO’s have gone stale. They’re all talking about the same old stuff. Granted, it’s important stuff, but any decent life IMO worth its salt, can do it. There’s zero differentiation out there. Here’s what they all promise:

  • We’ll pay you top compensation
  • We’ll get you the best underwriting offers
  • We’ll design the perfect case solution for you
  • We’ve got all the...
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Oct 07

The Seven Deadly Sins of Beneficiary Designations

When a client approaches a financial advisor to talk about estate planning, it is because they want to make sure that when they leave this world, they have the best possible situation set-up for their loved ones.

Not every situation has a cookie-cutter solution, and we've learned over the years that there are a number of mistakes people make while creating their...

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Sep 30

IUL Caps: When & Why You Should Avoid Them Like The Plague

IUL Caps stink.

There, I said it. Clients don’t understand them and they don’t work all that well when it comes to delivering competitive returns. That’s the most important part…they just don’t work when it comes to delivering competitive returns.

Our life sales consultants never recommend capped products if accumulation plays a significant part in the case they’re...

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Sep 23

The IRS has created a HUGE life Insurance sales opportunity in the 4th quarter. If you don’t read this you are missing out!

How many times have you contemplated the idea of approaching a successful estate planning attorney or CPA to refer you business? If you are anything like me that number is quite large and your frustration levels are through the roof. The problem that most advisors and agents in the financial services business have in trying to develop a COI relationship is they don’t...

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