Child Riders on Term Life Insurance: Carrier Availability Guide for Agents
Child Rider Carrier Comparison
Child riders can provide an affordable way to add life insurance coverage for eligible children to a parent's term policy. However, carrier rules vary significantly—especially when a client wants to add the rider after issue or does not yet have children when app...
Read More
Best Final Expense Policies of 2026 (Ages 50-80)
Compare the best final expense insurance carriers of 2026, see sample monthly rates at ages 65 and 70, and learn how graded and guaranteed issue policies work.
Read More
Field Underwriting: How to Stop Losing Cases Between Application and Offer
Every agent has lost a case they thought was closed. The client said yes, the application went in, and weeks later the offer came back rated two tables worse than illustrated, or declined outright. The client feels blindsided, the trust you spent months building takes a hit, and the case dies somewhe...
Read More
The Income Protection Conversation: Why Disability Insurance Is the Sale Most Life Agents Skip
Every life insurance sale starts from the same premise: your client's income is the engine that supports everything their family depends on, and if that engine stops, the plan collapses. Agents make that case well when the risk is death. Then they close the case, deliver the policy, and never mention...
Read More
The 1035 Exchange: A Practical Guide to Repositioning Client Policies Without a Tax Hit
Somewhere in your book of business is a client holding a life insurance policy or annuity that no longer fits their life. Maybe the permanent policy they bought fifteen years ago is quietly underperforming. Maybe they are paying for a death benefit they no longer need and would rather have income. Ma...
Read More
Laddering Term Life Insurance: How It Works and When It May Save Money
Laddering Term Life Insurance: How It Works and When It May Save Money
Laddering term life insurance means buying two or more term policies with different coverage amounts and end dates. The policies overlap when your financial obligations are highest, then the total death benefit steps down a...
Read More
Choosing the Right Accumulation IUL
Choosing the Right Accumulation IUL
How to compare growth potential, illustration stability, flexibility, and long-term policy value
Want a deeper look at the carrier comparisons and illustrated values? Download the full accumulation IUL whitepaper.
The short answer: There is no univer...
Read More
Premium Financing: How to Fund Large Life Cases Without Draining Client Liquidity
If you've started working larger, more sophisticated cases — the estate-planning ILITs, the buy-sell funding, the corporate-owned policies — you've almost certainly run into the same wall. The client needs a substantial permanent policy, the premium is significant, and the client's money is working h...
Read More
Annuity Awareness Month 2026: The Agent's Guide to Income Conversations That Convert
Every June hands you the best built-in reason all year to reopen a conversation most clients are quietly desperate to have. June is Annuity Awareness Month, and in 2026 the timing has rarely been better. Annuity sales are setting records, the largest wave of retirees in American history is crossing 6...
Read More
The Hidden Risks of Relying Solely on Employer-Sponsored Life Insurance
During your company's annual open enrollment period, checking the box for employer-sponsored life insurance feels like an easy win. The premiums are often heavily subsidized or entirely free, there are no medical exams required, and the enrollment process takes less than a minute. For many working pr...
Read More
