WSJ: Some Americans Are Being Turned Away Trying to Buy Life Insurance!?

Lower interest rates are causing carriers to decrease longer death benefit guarantees.  As a result, products that have been available for years are being modified.  Combine this with COVID-19 virus concerns and those with certain medical conditions and older clients are being postponed. 


4 Ways Advisors Can Use Technology to Bridge the Generation Gap

Now more than ever, it’s vital for agents to utilize technology to reach clients remotely.  With the new virtual workforce growing each day, agents have a unique opportunity to adapt and improve their online presence.


How Annuities Can Be A Client’s GPS During Market Turmoil

With the markets as volatile as they’ve been, the transition to annuity products may provide the security and predictability clients are looking for. Read how an annuity product gives your client a “G.P.S” through this uncertainty.



Coronavirus relief bill would relax rules on retirement savings

Exciting new retirement provisions have been included in the, recently passed, $2 trillion corona relief bill. It includes the ability to waive RMD for the year 2020, and early withdrawal of 401(k) plans, without the 10% penalty to retirees.



Employee Retention for Non-Profit Organizations

If you have clients with non-profit organizations, who’d like to offer creative long-term benefits for key employees, then this John Hancock case study is for you!

Find out how their Loan Regime Split Dollar regime can offer:

  1. Strong employee-retention incentives
  2. Lump-sum tax deferment on future benefit streams
  3.  Minimal administrative costs
  4. Collateral assignment protection up to the policy’s cash value in years where it’s lower than the outstanding loan
  5. Employee liquidity for personal needs during lifetime, or in the event of death

John Hancock- Planning in Action


After the SECURE Act, what’s next on retirement legislation?

Is the SECURE Act the end of retirement legislation for a decade, like the ’06 PPA, or did it spark an even larger conversation around retirement planning policy in Washington? Chief Government and Political Affairs Officer at the Insured Retirement Institute, Paul Richman, seems to believe more legislation is desperately needed.



Survey: Most Adults Would Improve Health For Lower Premiums

An online survey (n=2,000) conducted by The Harris Poll, found a majority of U.S adults would share wellness data in exchange for financial incentives to their Life policies. 

  • 86% of U.S. adults say cash back would incentivize them to live a healthier lifestyle
  • 85% say a lower life insurance premium would incentivize them to live a healthier lifestyle
  • 82% say additional coverage or benefits would incentivize them to live a healthier lifestyle
  • 77% say wellness rewards would incentivize them to live a healthier lifestyle
  • 70% say wellness education/coaching would incentivize them to live a healthier lifestyle
  • 66% say financial education/coaching would incentivize them to live a healthier lifestyle



Electing an older candidate carries risks. Just ask the life insurance industry.

Were you ever curious how much a Life policy would cost 2020’s presidential candidates? Neither were we… However, some WaPo journalists and insurance underwriters decided to take a crack at it, and the results were surprising! Find out how much a 10 year policy with a $400,000 payout would cost each one, monthly. After that, register to our website, and run some Life quotes of your own!


Annuity Sales Hit 11 Year High in 2019: LIMRA

“Fixed annuity sales have driven the overall growth for the annuity market over the past four years,” said Todd Giesing, director, annuity research, SRI (formerly LIMRA SRI). “Falling interest rates in the third quarter dampened fixed product sales in the second half of the year. As a result, most fixed products experienced declines in the fourth quarter, pulling down total annuity sales results for the quarter.”



NAIC Finalizes ‘Best Interest’ Annuity Sales Model 

If you’ve done business in New York, you may already be familiar with the enhanced ‘Best Interest’ standards that went into effect the first of this month. If not, that may change very soon, as the NAIC has sent this strengthened annuity sales model to States across the country to be adopted!



Old couple beach


Why This One Important Tool Needs to Be Part of Your Retirement Plan

Are you offering clients this triple tax-advantaged tool that helps offset healthcare costs? If not- contact INSMAX to learn how you can contribute your HSA to part of your LTC premiums! Call 610-382-5000!



What Do Investors Need to Know About the SECURE Act?

With the SECURE Act affecting almost ever facet of retirement planning, the opportunities for growth are becoming clearer by the day!



10 Things to Know If You’re A Decade Away from Retirement

Helpful tips and insights for clients that are a stone’s throw away from retirement. What considerations matter most, and how can you stretch their dollars even further in retirement?



Road To Retirement with IUL


How much Life Insurance does your client need?

Find out now!





Changes with the SECURE Act to know about


The SECURE Act Requires Retirement Income Disclosures- What Does that Mean for You

“Under the Secure Act, plan sponsors will need to deliver that monthly figure in their annual statements to investors, but the law did not specify how.” Which retirement calculator are you using?



How to Tell if You’re Oversaving

An article for advisers that work with “high-earning millennials”, and this uncommon retirement challenge they may face.



28% of Americans Risk Major Financial Struggles in Retirement, Data Shows


In a Fidelity study with more than 3,000 respondents, 28% said they were not on target, and face significant adjustments to their planned retirement!




Four Steps You Can Take to Protect Your Retirement Savings from this Risk

The national annual median cost of a private room in a nursing facility is $102,200, according to insurer Genworth’s 2019 Cost of Care Survey. Learn what you can do to protect your assets and financial security in a long-term care event.



Four SECURE Act Options to Protect Your Client’s Retirement Plan

The Stretch distribution may be gone, but that doesn’t mean you can’t achieve the same effect!



Florida House Passes Bill Banning Insurers from Using Genetic Info

Bill that would prevent Life, LTC and Disability insurers from soliciting genetic information for policy decisions, moves on to Florida Senate!



Limited Time Offer for 5 Year MYGA at 3.7%!

Due to rate changes, one of the best fixed annuity products out there, is going down 10 basis points! Act now to take advantage of this industry leading rate!

Call Shaun Kennedy at 610-382-5000 Ext. 129


Symetra UL-G and Symetra CAUL Products Reducing Credited Rate for In-force Policies and New Sales

Important transition rules for these changes:

Jan. 31, 2020

  • Symetra Life Illustrator and Winflex illustration systems will be updated with new rates.
  • You will be able to run Symetra UL-G illustrations with the current and new rates through the transition period.

Feb. 28, 2020

  • All formal Symetra UL-G and Symetra CAUL applications must be received at Symetra’s home office in good order (fully completed, signed and dated) to receive current rates.
  • Symetra Life Illustrator and Winflex illustration systems will be updated to reflect only the new pricing.

April 10, 2020

  • To ensure timely processing, cases must be issued/paid to receive current rates. For 1035 exchange cases, the deadline will be extended if the only outstanding requirement is the receipt of 1035 funds.

Reduced credited rate: In-force policies:

In March 2020, the credited rate on in-force Symetra UL-G and Symetra CAUL polices will change from 4.10% to 3.50%. Any premiums paid after this date will receive the new rate. The guaranteed minimum interest rate on these contracts remains at 2%.


Do’s and Don’ts of Spending Wisely in Retirement

Learn about the 3 periods of retirement spending, and why your clients’ financial plans may not be as comprehensive as you thought!



Got A Raise? It’s Time to Bump Up Your Savings, Too

A helpful reference on personal finance that provides some useful mantras for savings.



How To Set Your Clients Up For Success In 2020

A quick read on locking in gains and protecting your clients’ investments in the new year!



The Stunning Problem with the 4% Retirement Income Rule In One Chart

Find out why this popular piece of retirement advice doesn’t hold up to close scrutiny!


Retirement Planning: How To Diversify Your Portfolio To Avoid A Crisis

“A National Institute on Retirement Security study shows that 75% of Americans feel the nation faces a retirement crisis. The high cost of health care and long-term care coupled with rising costs of living have most Americans fearing that their portfolios are too small for the coming “winter.” They are both right and wrong.”

“You could consider protecting yourself against sequence risk by placing some money into an annuity or universal life insurance policy that pays a return when markets go higher while guaranteeing your principal.”


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