Eloise Glaspie, CLU, ChFCAgency Development and Education Manager - Creative Edge

Technology adoption, advancements in medical treatments and the wide array of pharmaceutical products are making a larger impact on how we all do business. And, in this case success story, we see the importance of reviewing carrier offers and not taking them at face value. Maneuverability in Health Class Ratings With the subjective underwriting process… Read More

Life’s unpredictable. That’s why we help everyday people improve their odds and reduce the impact of external risks. We work to protect a client’s financial plan. In our profession, we spend a great deal of time anticipating and predicting the unforeseen and how external pressures can affect clients. What are the techniques to navigate and… Read More

Recent news releases regarding the untimely passing of music icon Prince indicate a storm brewing regarding value of his estate and “who gets what.” First in line for a large share of the inheritance are the Internal Revenue Service (IRS) and the State of Minnesota (where Prince resided in Paisley Park) to cover any estate… Read More

Just as the dust has started to settle from Phase 1 of Actuarial Guideline XLIX—better known as AG 49—more changes are coming with Phase 2, effective March 1, 2016. Originally, AG 49 was adopted to provide more uniformity and consistency within the illustrations used to promote the sale of indexed universal life (IUL). To accomplish… Read More

A new survey released by Bankrate.com and conducted by Princeton Survey Research Associates International documented 4 in 10 Americans with children under age 18 don’t have life insurance leaving families vulnerable in the event of an unexpected death. Many of those surveyed that do have insurance admit to being vastly underinsured. Life insurance has been… Read More

The wonder of the holiday season is upon us. The holidays: one of the only times in the year when families get together to share old memories and traditions while making new ones. Delicious food and a happy atmosphere present an opportunity for financial advisors to get acquainted with multi-generational family members while they are… Read More

The old saying “things aren’t always what they seem” is one that proves itself true time and time again in the life insurance business. Just when you think you have a client completely figured out, you may learn something about his or her lifestyle that dramatically alters the case design, underwriting outcome or both. And sometimes the most conservative business clients can lead the most unconventional lifestyles outside of the office. The next time you have a business insurance case that isn’t what it seems, consider identifying all of your options and alternatives to ensure that you don’t let opportunity slip through your fingers. THE FACTS

According to “The Millionaire Next Door” by Thomas J. Stanley, Ph.D. and William D. Danko, Ph.D., self-employed individuals account for two-thirds of the millionaires in the U.S.  These millionaires are your neighbors, your auto mechanic, the local dry cleaner and maybe even the neighborhood handyman. You won’t necessarily recognize them right away, as most live well below their means in modest homes, driving modest cars and otherwise maintaining a low profile. In fact, most of the assets these individuals possess are tied up in their businesses and are generally not liquid. As their preferred local agent, you have the opportunity to position survivorship life insurance as an option for meeting more than just their estate tax needs.

During their golden years, retirees face many significant lifestyle changes. Some are positive, like gaining the ability to spend more time on the golf course or at the bridge table, more time playing with the grandchildren or gardening, more time reading or writing their memoirs, and more time taking long drives in the country or trips abroad. In essence, many retirees enjoy more of so many things they have spent their lives working toward and anxiously awaiting. In fact, they seem to have more of everything – except INCOME.