Policyowners of index universal life bear virtually all the disadvantages they would bear if they owned regular universal life policies. Many of these disadvantages stem from or are natural consequences of the advantages IUL offers.
Six unique advantages of IUL are:
The safety of no negative returns
The insurer absorbs the investment risk
The possibility of high positive returns
The ability to create tax-free cash flows
An ability to take advantage of the design of certain insurance products
September is Life Insurance Awareness Month! This is a great time to ramp up your life insurance marketing, and allowing yourself to finish the year strong and zone in on your exceeding your sales goals.
One of the primary untapped markets for life insurance is millenials, and one of the hardest parts for a life insurance agent is figuring out how to reach them. Watch the quick video below for stats on millenials and life insurance and tips on how to successfully sell to them.
When you sell an individual disability insurance (IDI) policy, you're providing a promise of income protection in case an individual is unable to work because of a disabling sickness or injury.
To successfully sell the IDI promise, it helps to understand some key terms. This knowledge will help you educate your clients on the importance of income protection. We're briefly defining three important terms commonly found in IDI policies.
The TBA Mobile App was designed to give advisors the ability to be more efficient while away from the desk. This app has all of the tools needed to create sales as well as process paperwork more efficiently. It can be downloaded on your phone or tablet. It is available for download for free from the app stores of apple, android and kindle.
