Wow! That's a bit much, but it is the MADNESS that we face every day, every month and throughout the year.   This has been especially relevant over the last several months for all of us. We have experienced unprecedented product, legislative and psychological changes that will permanently alter the way we conduct our practices.

What carrier do we choose? Why one over another?   From our perspective, each of the carriers have their own niches, whether it is product related, an underwriting strength or a particular feature or benefit that sets them apart.

What product design do you choose? There are so many to choose from; Guaranteed Universal Life (GUL), Indexed Universal Life (IUL), Whole Life, Term , Blended Life Contracts or Return of Premium Term (ROP), to name a few. Each has its own bells and whistles which make them so unique and adaptable to a number of planning and individual client needs.

From a legislative standpoint, we have seen changes in our Healthcare system, Income Tax Bracket adjustments and a ratification of the $5,000,000 Individual Unified Credit Exemption.

That all leads us to knowing where the Sales Opportunities are. In the center of our brackets, there are four areas (Our Final Four), where all of these opportunities converge, Policy Valuation Modeling, Legacy Planning, Business Valuation Modeling and Asset Repositioning. 

It is easy to be overwhelmed by the "brackets" we call "Our March Madness."   We scratch our heads as we try to sort it all out.   It is truly overwhelming and it fosters that sensory overload I mentioned earlier. Where are the Sales Opportunities?    They are all there, staring us right in the face.

Having a partner that can guide you through all of this is key. At ALB, we have the expertise to walk you through it and help you Make Sense Out Of All The Madness.