Infinite Banking IRA Max: IRA Max One Page, IRA Max Intake Form, IRA Case Study Guaranteed Return of Premium VUL with No Lapse Guarantee Whole Life: Whole Life Premium Deposit Account, 10 Pay 20K, 10

Competition in the Linked-Benefit marketplace is intense. State Life (OneAmerica) is still the go-to insurer for an endless benefit period, for favorable underwriting, and for using an annuity to pay

Every day in the US, 10,000 Baby Boomers turn age 65. Whether you're a full service financial planner, an experienced life insurance and annuity veteran, or a P&C agent starting to expand their practi

Nationwide’s CareMatters II has been the leading linked-benefit product in the USA for a couple of years. It is now available in CA! Key features: You can draw benefits without incurring commercia

Uncertainty has been the theme of the stock markets in 2025. Tariffs and trade wars are dominating the news cycle, but they've also led to virtually every economic forecaster raising the likelihood of

Broker World Magazine just published an article I wrote about State Partnership programs for Long-Term Care Insurance. Soon, I expect the 2025 annual Milliman LTCi Survey (which I've authored since

New Whole Life Pay Durations

As reported by the Seattle Times, the State of Washington’s mandatory (0.58%) tax to cover a small amount of LTC withstood a challenge that would have made it voluntary, which would have undermined it

Annualization (aka annualized commissions) is where the agent receives commission for unearned premium. For example, let’s say an agent sells a policy with a $100/month premium and has an 80% commissi

Employers fall into 3 categories (as per Mutual of Omaha’s attached Business Owners Guide): • Those, such as C-Corporations, which pay income tax directly to the Federal government. Professional Cor