North American Accelerated DB Endorsement Now Available in CA
Transamerica Suspending Sales of TransACE Products Effective Immediately
Commission Changes for Allianz FIAs
Prosperity Elite Now Available
in 3 New States
IRS Changed IRA Rollover Limits
Life Does NOT End at Retirement
Advisors and agents that single-mindedly encourage clients to buy term life insurance just to get them through their working years are overlooking some pretty significant risks that still exist well into our golden years.
I agree with the notion that several risks driving the need for life insurance during our working years tend to decrease over the time leading to retirement. Mortgages get paid down. Income replacement in the event of premature death becomes less of an issue. College debt hopefully is taken care of, although I’m not so sure about that one. The numbers on college debt in this country are staggering, but that’s a discussion for another day.
Avoiding a Legacy Nightmare
Your clients may not worry about nighttime monsters hiding under the bed, but they should be concerned with the many ways poor planning can turn their estate into a barren, nightmare landscape for loved ones.
Avoiding a Legacy Nightmare helps you start a conversation about what their legacy means to them and what they want it to accomplish.