Since term insurance has lower initial premiums, it’s often considered first for key person protection. But, permanent insurance may offer a more favorable impact. Learn more.
It’s Diabetes Awareness Month!
November is a great time to remind your clients to be as proactive about their health as they are with their finances. By sharing resources like this quiz from the American Diabetes Association, you can help them understand their risk of developing type 2 diabetes. And by recommending John Hancock Life Insurance with Vitality, your clients can protect their families, while earning savings and rewards for living healthy.
Splitting the Policy
In today’s life insurance market, using creative design strategies when illustrating life insurance solutions can benefit the client and the client’s family. United of Omaha’s indexed universal life (IUL) products provide significant flexibility for designing the best plan for your clients. Read more.
5 Key Benefits of Cash Balance Plans
With the uncertainty in health care, physicians are dealing with vast amounts of new regulations and costs. These providers are looking for ways to reduce their tax burden, and are questioning whether they are financially prepared for retirement. A cash balance plan may be able to funnel a majority of the benefit to the business owners with contributions that are a top-line deduction. Click here to see five key facts about Cash Balance Plans.
Market Insights: Retail Spending Up on Autos, Gasoline
October retail sales show that consumer spending got off to a good start in the fourth quarter. Moreover, rising incomes and high consumer confidence point to a positive holiday shopping season ahead. Given the large weight of consumer spending in overall GDP, real GDP growth for the fourth quarter is on target for between 2.5 to 3.0 percent. Read more.
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