Taking the Commodity Out of the Sale

Taking the Commodity Out of the Sale

by: Mark D. Milbrod, CLU, CLTC-March 2019 ASG Insight   One of the biggest problems facing the life insurance agent is the ability to add value to the sale.  The worst thing we can do is to commoditize the sales we make.   What do I mean?  Let’s say we have a...
The Cannabis Conundrum in Life Insurance Underwriting

The Cannabis Conundrum in Life Insurance Underwriting

By: Gary Bleetstein- February, 2019 ASG Insight     The debate continues in the life underwriting as to how the use of Cannabis should be treated for Underwriting purposes.  Today, Marijuana use is the third most used drug in the US- just after Alcohol use which is...
Life Insurance AS Long-term Care Insurance

Life Insurance AS Long-term Care Insurance

By: Jay Scheiner JD CLU Partner, Agent Support Group Some of our clients apply for long-term care (LTC) insurance with a LTC rider, only to be denied coverage due to adverse health history. Often these clients already own, or can qualify for, a life insurance policy...