Tuesday, September 30, 2014

Women & Life Expectancy - Social Security

Survivorship benefits are very important to a surviving spouse. Female longevity exceeds their male counterparts more often than not. For 77% of married couples, the breadwinner is the husband (Pew Research, 2013). The breadwinner’s Social Security check counts for two lives. There are strategies to maximize Social Security benefits, especially targeting the surviving spouse.

In part 2 of The Strategies to Max Social Security Benefits, syndicated financial columnist and talk show host Steve Savant interviews Social Security strategist and expert Brian Doherty, author of Getting Paid to Wait (Bigger Social Security Benefits, the Simple and Easy Way)

Monday, September 29, 2014

Getting Paid to Wait by Resisting Early Payouts - Social Security

There are many reasons why seniors access Social Security at age 62: They don't want to work any longer. They were laid off in their later 50s or early sixties. They don't think Social Security will be around for them if they wait. But if they do wait, they'll get paid much more by delaying benefits. In part 1 of The Strategies to Max Social Security Benefits, Syndicated financial columnist and talk show host Steve Savant interviews Social Security strategist and expert Brian Doherty, author of Getting Paid to Wait (Bigger Social Security Benefits, the Simple and Easy Way).

Friday, September 26, 2014

Why advisers should be aware of underwriting & admin advantages - Business Owners & Executive Solutions

Many of the business strategies employed by advisers use insurance morality and morbidity insurance products like life insurance, annuities, disability insurance and long term care insurance. Underwriting the policy "insured" is a crucial item in moving forward with any planning as well as the administration of these plans and strategies. Syndicated financial columnist and talk show host Steve Savant interviews Sherry Flint, CLU on the the underwriting and administration in comprehensive business planning when using insurance products.

Thursday, September 25, 2014

Why advisers should market to C corps & family owned businesses - Business Owners & Executive Solutions

The majority of business entities have a corporate structure that they file under: C Corp, S Corp, LLC, etc. Many firms in the U.S. are closely held family businesses. There are always tax advantages and disadvantages to every filing entity. Syndicated financial columnist and talk show host Steve Savant interviews Sherry Flint, CLU on the some of these corprate entities that can benefit from comprehensive business planning.

Wednesday, September 24, 2014

Why advisers should sell executive and key person insurance - Business Owners & Executive Solutions

Corporate recruiting and retention of highly compensated executives is a critical component in building a successful executive team. Benefits beyond bonuses can be the difference in maintaining quality personnel from competitive companies seeking top employees. Syndicated financial columnist and talk show host Steve Savant interviews Sherry Flint, CLU on the corporate benefits of executive and key person compensation within a comprehensive business plan.

Tuesday, September 23, 2014

Why advisors should look at buy/sell strategies to penetrate businesses - Business Owners & Executive Solutions

There are many strategies in business succession planning: Buy?sell, Cross Purchase, Stock Redemption, Esops, & Wait and See Trusts.Knowing the business owner's goals and personal aspirations can help an adviser select the right strategy to accomplish the owner's goal. Syndicated financial columnist and talk show host Steve Savant interviews Sherry Flint, CLU on the virtues of the comprehensive business planning.Syndicated financial columnist and talk show host Steve Savant interviews Sherry Flint, CLU on the value of succesion stratgeies within comprehensive business planning.

Monday, September 22, 2014

Why advisors should take the comprehensive business planning approach - Business Owners & Executive Solutions

The vast majority of planners appear to take the piece meal approach to the business market. But that methodology could countermand other areas of the business, including the business owners personal finances. A comprehensive game plan is the most effective and impactful solution. Syndicated financial columnist and talk show host Steve Savant interviews Sherry Flint, CLU on the virtues of the comprehensive business planning.

Friday, September 19, 2014

The Shannon Proegler Story - When Business Becomes Personal

Platform speaker and author of Living a Life of Significance Joe Jordan talks about the culture of helping families and businesses as a corporate characteristic of Tim Ash and his organization including a personal story of Shannon Proegler, who lost her father.

Thursday, September 18, 2014

The Daren Elmer Story - When Business Becomes Personal

Platform speaker and author of Living a Life of Significance Joe Jordan speaks about the story of Daren Elmer and critical illness coverage that created a cash reserve when he had cancer.

Wednesday, September 17, 2014

The Ira Horowitz Story - When Business Becomes Personal

Platform speaker and author of Living a Life of Significance Joe Jordan addresses the generational impact of life insurance. The lost of a child impacted other children, children who couldn't afford education. One tragedy turned into hope for many others. That's the power of life insurance.

Tuesday, September 16, 2014

The Mark Anderson Story - When Business Becomes Personal

Platform speaker and author of Living a Life of Significance Joe Jordan shares Mark Anderson's incredible story of his son Reid, who died in a car accident. At MDRT Joe met a young women named Melina Ahmadour, who was so impressed with with his presentation that she became a financial adviser.

Monday, September 15, 2014

Joe Jordan's Personal Story - When Business Becomes Personal

Platform speaker and author of Living a Life of Significance Joe Jordan tells his personal story of the impact on his family after his father's death and how it formed his passion for life insurance.

Friday, September 12, 2014

Which Life Insurance Chassis is the Best - Life Insurance for Tax Free Income

Cash value life insurance has several crediting methods based primarily on the risk tolerance of the policy owner: interest rates, indices and sub accounts. Generally, policy owners are committed mid to long range contributions when using life insurance for tax free income. Syndicated financial columnist and talk show host Steve Savant talks about life insurance crediting options for income with insurance product expert Mike McGlothlin.

Thursday, September 11, 2014

Is a Qualified Plan Better than a Non Qualified Life Insurance Plan - Life Insurance for Tax Free Income

Qualified plans that offer employer contribution match is a great opportunity to save for retirement or if you're in a high tax bracket or both. But most middle class Americans that participate in a qualified plan are not in a high tax bracket or receive an employer contribution match. So for those middle class Americans non qualified life insurance could be a better alternative than a qualified plan. Syndicated financial columnist and talk show host Steve Savant talks about qualified plans versus non qualified life insurance for income with insurance product expert Mike McGlothlin.

Wednesday, September 10, 2014

How Forms of Income Correlate on a 1040, But Not Life Insurance - Life Insurance for Tax Free Income

Many forms of income can trigger taxation on Social Security benefits. So it's important to point out that a non MEC life insurance cash value policy may be able to generate tax free income via policy loans that will not be cited on a 1040 form and thus will have no correlation to Social Security benefits. Syndicated financial columnist and talk show host Steve Savant talks the non taxable event of life insurance in an income scenario with insurance product expert Mike McGlothlin.

Tuesday, September 9, 2014

How to Measure Product Expense Cost - Life Insurance for Tax Free Income

Almost all financial products have some cost born by the purchaser. Assessing all expenses to determine the real net return is a necessary step in the purchasing process and this includes life insurance. Syndicated financial columnist and talk show host Steve Savant talks about the cost life insurance in income scenarios with insurance product expert Mike McGlothlin.

Monday, September 8, 2014

How to Design Policies - Life Insurance for Tax Free Income

Tax advantaged income using life insurance is gaining more acceptance with advisers, but which mortality chassis should be used? Now a risk tolerance test is a pre-approach to selecting the right type of life insurance for income. In addition, managing the cost of insurance to minimum TAMRA compliant levels is the single most important design item to adjust policy performance. Syndicated financial columnist and talk show host Steve Savant talks about design features of life insurance for income with insurance product expert Mike McGlothlin. http://youtu.be/9rn-XVwwGBQ

Friday, September 5, 2014

How advisers use education in the life settlements to recruit clients - Life Insurance Settlement Series

Most advisers are looking for opportunities to expand their practice and build out their business, especially with unique product or planning ideas. Marketing life settlements to seniors could be a significant entree' to the retirement market with an idea that may generate cash. Steve Savant interviews Darwin Bayston, President and CEO of the Life Insurance Settlement Association on Let's Get Down to Business.

Thursday, September 4, 2014

How advisers can expand their practice using the life settlement market - Life Insurance Settlement Series

The NAIC has reported no significant consumer complaints in recent years. Advisers are increasingly more comfortable with the asset in a market that calls for full disclosure and a meaningful code of ethics. Even so, consumers appear unaware of life settlements as a policy owner option to generate cash. Steve Savant interviews Darwin Bayston, President and CEO of the Life Insurance Settlement Association on Let's Get Down to Business.

Wednesday, September 3, 2014

Why the rules of engagement are important in the life settlement market - Life Insurance Settlement Series

The National Council of Insurance Legislators created the NCOIL Model Act and the National Association of Insurance Commissioners established the NAIC Model Act. The NCOIL model has been widely adopted by state legislators. 43 states passed legislation that covers 90% of the market. Steve Savant interviews Darwin Bayston, President and CEO of the Life Insurance Settlement Association on Let's Get Down to Business.

Tuesday, September 2, 2014

How advisers can profit by the history of life settlements - Life Insurance Settlement Series

The benefit of a life settlement for the seller is cash beyond their payment or surrender cash value. But what of the buyer or investor? The benefit of investing in life settlements is that it's practically a non correlated asset. And if the investor willing to take a mid to long term range position with life settlements, the returns could be similar to a zero coupon bond.Steve Savant interviews Darwin Bayston, President and CEO of the Life Insurance Settlement Association on Let's Get Down to Business.

Monday, September 1, 2014

Life Insurance Settlement Update for 2014 - Life Insurance Settlement Series

The big picture for seniors in retirement includes all forms of cash and assets that can be liquidated for income purposes. Many retirees have policies they no longer need and may be able to convert them to cash. Surprisingly, many older policy holders let their coverage lapse and may be inadvertently throwing money away. Steve Savant interviews Darwin Bayston, President and CEO of the Life Insurance Settlement Association on Let's Get Down to Business.

About Steve Savant

Steve Savant

As the National Marketing Spokesperson for Ash Brokerage, Steve Savant looks forward to meeting financial professionals in every way possible - in person or by video through conferences and social media.

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