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January 4, 2023

Carve Out Opportunities in the Group Life Market

In today’s market it is readily apparent that employers must offer compelling compensation and benefits packages to attract the key employees that will drive their business forward. One of the areas that is often overlooked is providing protection for loved ones through permanent, portable life insurance solutions. As valuable as that can be, a more recent evolution includes not only the life insurance component, but a way to provide funding for care in the employee’s retirement years. More modern approaches to delivering these kinds of benefits can also result in cost savings versus existing plans or a much lower financial commitment for the business contemplating these benefits for the first time.

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The contents of this document should not be considered as tax or legal advice. Any information or guidance provided is solely for educational or informational purposes and should not be relied upon as a substitute for professional advice. It is always recommended to consult with a licensed financial or legal advisor for specific guidance related to your individual situation.

January 4, 2023

Office Hours with the Chief Underwriter

As much as our industry has modernized and adopted automated underwriting solutions, your most important cases still require a human touch. With this in mind, LIFE Brokerage continues to rely heavily on our Underwriting Team to shepherd the more complicated, nuanced or impaired cases through the underwriting process from informal submission to placement. Our Chief Underwriter is available to consult with advisors on both case specific opportunities as well as to provide an overview of recent changes across the underwriting landscape. In our experience, these consults frequently unlock insurance cases that have become stuck at some point in the process, making them an extremely worthwhile investment of time.

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November 3, 2022

IUL with an Exit Strategy: A New Approach to Designing IUL Cases

If you are as frustrated as we are about recent trends in cap and participation rates in the Indexed UL segment, it may be time for a fresh approach. Clients dealing with performance degradation based on reduced cap and participation rates are left with mostly bad choices: Try to ride it out, hoping for rates to recover, abandon the strategy by liquidating their policy and dealing with potential surrender charges and a tax hit or execute a 1035 exchange, facing another underwriting process and again possibly dealing with surrender charges. IUL with an exit strategy doesn’t insulate the client from the possibility of future cap and participation rate reductions, but it does offer a graceful way to deal with them: Changing their allocation by completing a simple form. No new underwriting. No surrender charges. No potential taxes. Reach out to LIFE Brokerage to be introduced to this new approach that can “future proof” your next IUL sale.

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October 26, 2022

The State of the Premium Finance Market

There is no doubt that this year has brought quite a bit of disruption to the premium finance world. That said, premium finance remains a powerful funding mechanism for clients expecting returns on their assets in excess of current loan rates. At the same time, finance structures put in place in 2021 and earlier are facing challenges that may require intervention. Get the details on both fronts from the team at LIFE Brokerage for a view on premium finance done right.

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October 26, 2022

Asset Location Optimization: The Power of the Tax-Free Account

Asset Allocation has been part of the investment professional’s asset management strategy for decades. More recently, a considerable amount of attention has been focused on a natural extension of that approach: Asset Location. The life insurance community has known for years that life insurance’s unique value proposition positions it as an analog to things like Roth IRAs that are invested after tax, but the client will not pay taxes on any distributions from these assets. Of course, life insurance has a significant advantage: The income-based limitations that can prevent clients from utilizing Roth IRAs don’t exist for life insurance. We can show you how to implement this strategy to maximum benefit by allocating assets to the proper asset location based on their inherent tax efficiency, delivering meaningful “tax alpha” that can make a massive difference in client outcomes.

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October 26, 2022

Found Money: How You and Your Clients Win with a Systematic Approach to Life Settlements

How do you build recurring revenue with life settlements? It starts with an easily executable strategy for identifying insurance policies likely to have significant value in the settlement market and ends with a credible partner that delivers competitive offers with a transparent process. Schedule a session with LIFE Brokerage to learn more about a way to accomplish both of those objectives with a minimum time commitment from your office. The secret? A tool that can value an entire book of business in hours, pinpointing the policies that warrant a client conversation.

Please note: LIFE Brokerage is not a settlement broker nor a settlement provider. Rather our firm acts a facilitator and make an introduction to one of the leading settlement providers.

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October 26, 2022

Indexed UL Built for the Securities Based Advisor

As we all seek to deliver more consumer value, a small subset of life insurance products in the market start to stand out. Why? Simply put, they clients offer demonstrably superior performance and a pleasingly different, low friction underwriting experience. Combine this with a unique compensation structure that rewards advisors who take the “long view” of managing insurance assets and you have an offering that can make a meaningful, positive impact on client relationships and advisor income through more properly aligned objectives.

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October 26, 2022

Making the Case for Variable UL in an Indexed UL Dominated Market

Considering the current economic environment, there is a point of viewing gaining momentum that the days of Indexed UL dominance may be coming to a close. If true, the question you are surely asking yourself is which product segment stands to pick up as IUL wanes? Schedule a session with LIFE Brokerage for a discussion focused on the attractiveness of Variable UL over IUL in the current environment and how a properly structured life insurance policy can solve retirement and tax planning challenges for high-income earners.

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October 26, 2022

Executive Benefits that Stick

Working with a business owner who is looking for unique ways to attract and retain employees? If so, calendar a session with LIFE Brokerage to get the details on an approach to executive benefits that allows an employer to offer personal life insurance protection to an employee in a way that incentivizes and rewards employees for staying with the company long term.

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October 26, 2022

The New Wealth Transfer: Integrating Estate and Long-Term Care Planning

Working with a high-net-worth client who is facing a certain level of exposure to federal estate tax and is seeking strategies to enhance their wealth transfer plan? If so, let us introduce you to the “New Wealth Transfer.” Equal parts long-term care and estate planning, this conversation expands on integrating long-term care coverage with an irrevocable life insurance trust (ILIT) either repurposing the ILIT entirely or simply enhancing it by increasing the amount that can be transferred to the next generation with estate tax. Together, these strategies position clients well for future changes to estate tax law as well as delivering an effective Long-Term Care funding strategy.

Complete the form to request a session with our team.

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apistemplate

About apistemplate

Posts by Peri :

Office Hours with the Chief Underwriter

IUL with an Exit Strategy: A New Approach to Designing IUL Cases

The State of the Premium Finance Market

Found Money: How You and Your Clients Win with a Systematic Approach to Life Settlements

Making the Case for Variable UL in an Indexed UL Dominated Market

Executive Benefits that Stick

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