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AG 49 (A) Most agents have never heard of AG49… and very few actually understand why it exists. Here’s the simple version. Years ago, IUL illustrations started getting a little… aggressive. Carrie

There’s a habit in our industry that feels harmless, but it quietly destroys trust, placement rates, and long-term client relationships. Quoting every client at Preferred Plus. On paper, it makes s

Every advisor has heard it. “I’ll wait until the market gets back to where it was.” “I don’t want to lock in a loss.” “I missed the chance back then.” These aren’t logical investment decisions, they a

Behavioral Finance is no longer just an academic concept it is playing out in real time, especially with younger generations. We are living in an environment built around instant gratification. Same-d

Term life insurance is often positioned as affordable, temporary protection, but one of its most powerful features is frequently overlooked. Many term policies include a conversion option that allow

Over the past decade, life insurance underwriting has evolved significantly. What used to take weeks and require a nurse visit, blood draw, and extensive paperwork can now often be completed in a matt

Passkeys provide a secure, passwordless way to sign in to your BackNine account. They use biometric authentication (Face ID, Touch ID, Windows Hello, etc.) or your device PIN to verify your identity —

I've sat across from hundreds of prospects over the years. And for a long time, I made the same mistake most advisors make. I treated discovery meetings like presentations.   Build a little rappor

On Friday, I got the following announcement from Mutual of Omaha. My comments follow their statement. "In mid January, approximately 1.6 million Mutual of Omaha policyholders will receive an annual