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Principal Financial Life Insurance Company has been an innovative leader in the life insurance market for years. They were an early adopter of the online life insurance application. They were one of the first to offer accelerated underwriting. And now, their newest program takes this even a step further: Principal Guaranteed Issue Term Insurance. With … Read more
A guest blog post by June Duncan. June Duncan is a caregiver herself and is the co-creator of Rise Up for Caregivers. She’s passionate about helping and supporting her fellow caregivers, which inspired her to author her upcoming book, The Complete Guide to Caregiving: A Daily Companion for New Senior Caregivers. Life is full of plans – planning a move, planning … Read more
Saving money makes me happy. But saving money while doing something I love to do makes me really happy. And I love to stay active, I love to compete. Whether it’s going to the gym for a power workout, riding my mountain bike on the glorious North Carolina trails, or simply mowing my lawn—if it … Read more
In life we sometimes meet individuals who make a lasting impact, but then they are taken from us suddenly. With a heavy heart, we learned Bill Fox, our Principal Financial Wholesaler, suddenly passed away earlier this month. Moments like this will make any one of us take a pause and reflect on how fragile this … Read more
We receive a lot of questions from clients and potential clients about the MIB. Most people know it’s part of the process for determining their insurance rate, but that’s about it. Misunderstandings abound. Let us clear up the picture a bit. The MIB (Medical Information Bureau) was started in the early 1900’s to help life … Read more
As our previous articles have highlighted, multiple life insurance carriers have launched accelerated underwriting programs. In fact, in 2017 and 2018 we expect this trend to continue as more major carriers launch new programs or expand existing ones. This is great news for you and your clients, but it also creates confusion as to how well it … Read more
We’ve been discussing accelerated underwriting quite a bit within our blog, including our recent post providing a synopsis over what it is and how it works. Yet even with all this discussion, accelerated underwriting is still new to the market and with that, there is still confusion as the carriers launch out their own variations. … Read more
In the insurance brokerage business we partner with all types of financial advisors. As we meet with financial advisors we are often told stories as to the type of advisor one is. The most polarizing topic we come across is the concept of fee-only vs fee-based financial planning. We have heard hundreds of different opinions … Read more
The Today Show recently aired a fantastic segment on one of the realities many of us will face: how will we pay for long term care (LTC) in our retirement years? The segment does a great job summarizing the differences between traditional LTC and a new hybrid option. As Jean Chatzky brings out, and many of … Read more
The market: sometimes it goes up, and sometimes it goes down. No expert or planner can completely predict, or even fully explain, these outcomes, but analysts can increase their chances of success by carefully watching market behavior. Think we are talking about the stock market? Actually, we are talking about life insurance. Yes, life insurance. … Read more