by: Mark D. Milbrod, CLU
Partner, Agent Support Group

My original plan for this month’s Blog entry was going to be something acknowledging Long Term Care Awareness Month, which is the Month of November.  But I figured we will all hear enough about that and besides our Partners Insight this month will cover that in great detail.  

Instead, this month I would like to share a story of something that happened a week ago that I was so glad to be a part of.  For those that know me, you are aware that I am a huge hockey fan and season ticket holder for The New Jersey Devils.

At a recent game, they had a young girl come out to sing the national anthem prior to the game.  She did great to start but after the first verse, I guess the nerves took over and she forgot the words. She tried to get back on track, but couldn’t.  At that moment, without hesitation, 14,000+ of her closest friends instantly started to sing and complete the singing of our national anthem with her.  At the sake of sounding corny and being a bit of a sap, it was truly something amazing to be a part of.   

There are so many negative things going on now, namely the kneeling incidents occurring in the NFL and the crossover effect that it has had with other professional athletes and even in the world of youth sports.

I’m not trying to get political and will keep my personal views to myself.  I do want to note however, that I do respect anyone’s opinion and right to exercise their views.  My point in all of this is to simply point out that the flag represents all of those freedoms that allow us to voice our differences and viewpoints, regardless of what side you lean towards.   

I was a part of something truly special that night and as we approach our Thanksgiving holiday later this month, let’s reflect on one thing, as Americans, that we should all be thankful!

I have included a link to the video for you all of you to see… 

Have a Safe and Very Happy Thanksgiving Holiday! 


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by: Mark D. Milbrod, CLU
Partner, Agent Support Group


I just came back from a meeting where I had the pleasure of listening to Ross Shafer.  Ross is a former stand-up comedian, an Emmy winning talk show host and entrepreneur.  His topic was about staying relevant in a changing world.  We especially, as insurance professionals, are faced with a tremendous amount of change and disruption on a daily basis.   We can easily find ourselves in deep trouble down the road if we don’t find ways to stay relevant and move with the curve.

During his presentation, Ross put up a very interesting slide.  It read as follows…

“Success is not about who you know, it’s about who knows you”

He goes on to tell the audience that this is something that his father told him years before.  We all go to  meetings and hear many things.  But you know what they say, if you walk away with one important item when you attend a meeting,  it was worth it.  This quote was just that.

It started the wheels turning in my head and I wanted to share what I feel is a very strong statement.  As sales people, we all “know” a lot of people. These people we “know” are potential prospects that we hope to ultimately change into clients.

How do we do that? How do we get them to know who we are?  There are so many services that we provide but what is the best way to get noticed and stand out amongst our competition/peers?  In order to truly set ourselves apart and be noticed, we need to do things that make us unique (and noticeable).  Here are some ideas that might get you noticed…

  1. Conduct Educational Lunch & Learns for Small to Mid-Sized Companies

There are so many small to mid-sized companies that would welcome a speaker coming in and educating their employees on topics that can help them.  It’s important to keep the topics educational in nature and shouldn’t be a sales pitch.  The topics can be about Estate Planning Basics, The Importance of a Will or The Need for Long Term Insurance and the Types That Are Available.   Most employers will even pay for the lunch for their employees and a pick up a lot of goodwill along the way.

  1. Sponsor Local Chamber of Commerce Events

Get involved and sponsor local Chamber of Commerce events.  They are always looking for speakers and you get a chance to meet other local business owners.  Topics here can include a variety of business related topics such as Business Continuation, Buy-Sell Planning & Retirement Planning.

  1. Be Active at Community Events

Look for community events such as a National Night Out, Street Fairs & Festivals.  Set up an outdoor canopy with a display table highlighting your goods and services.  These events draw a lot of families who can surely utilize our goods and services.  Make it a fun atmosphere that will attract people to you.

  1. Be a Sponsor of a Local Youth Sports Team

Every town has local youth sports teams.  Whether its baseball, football, soccer, hockey, etc., sponsor a team by providing uniforms with your name on it and possibly some needed equipment.  The cost is usually reasonable.

  1. Write a Monthly Column for a Local Community Newspaper

Each month, pick a related financial topic to write about.  Have your picture in the article and a brief bio.  People will not only start recognizing you as an expert in your field, but they will see you around the neighborhood and know who you are.

These are just a few suggestions of how to get yourself noticed a bit more.

Because after all, It’s Not Who You Know, It’s About Who Knows You!

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by: Mark D. Milbrod, CLU

Principal, Agent Support Group


No, that’s not a typo. That’s what I meant. Independence Day is upon us, but with all the freedoms that we celebrate, it is fitting to talk about the freedoms that we can provide for our families, our heirs, our Dependents.

There is nothing worse than witnessing a catastrophic event that can wipe out all that we have worked for our whole lives. Too many times, we see this happen to our clients, friends and others and it all comes down to poor planning. We live in a time where there is so much discussion about outliving retirement funds, what to do in the event of a long term care event, etc. As advisors, we have the ability to discuss a myriad of products and planning techniques with our clients to assure that they have done the proper planning to protect themselves (or their Dependents), against unforeseen life events.

What can we do to fill in the gaps? The short answer…A LOT.

Life Insurance – of course, the simple answer is Life Insurance. This has always been there to help Dependents get back on their feet. It can provide so many things; continued income, college educations, provides life long income for survivors, estate liquidity and the list goes on.

Long Term Care Insurance – providing a policy that will help offset the costs associated with a health care event requiring nursing home or home health care needs. This can be accomplished on an individual basis or under a Blended-Life design.

Disability Income Insurance – providing the replacement of one’s income with benefits should that person be unable to provide income due to some type of health impairment.

Income Annuities – for some clients, we can provide them/surviving spouse with an income that they can never outlive.

The above list is the more traditional approach for Dependent planning. But in today’s marketplace, we can go many steps further…

Living Benefits have become the popular trend in our industry and if you are not taking advantage of them, it’s going to cost you potential clients. Living Benefits enhance the traditional planning methods outlined above and ease the burdens on their Dependents. Here are some of the Living Benefits that you should be implementing with your clients:

Long Term Care Riders– LTCR’s can be added to Life Insurance policies and will allow your clients to access their death benefits should they have a life event requiring Long Term care needs. Although they come with different access definitions (e.g. indemnity v. reimbursement), the end result is the same, an ability to use a life insurance policy as a means to ease the burden on Dependents. They are even available on a rated basis for those that could normally not qualify for an individual LTC policy. Now, when a client objects to buying life insurance because “they won’t benefit from it,” in this case they can. This is a powerful tool to use and a great innovation to a standard life insurance policy.

Chronic Illness Riderssimilar to the Long Term Care Riders, these benefits allow early access to death benefits for permanent types of illnesses. Once again, easing the strain on Dependents.

Guaranteed Income Riders– through the use of new annuity product designs, these riders can guarantee income to annuitants based upon the high watermark values of a contract. This allows individuals to receive a higher guaranteed income, regardless of market conditions that can deplete values prior to retirement.

Disability/Unemployment Plans – for those of you in the term marketplace, there is a policy available to pay premiums and possibly convert a policy to something permanent in the event of a permanent disability. Further, in the event of the insured becoming unemployed, premiums can even be paid for up to one year of unemployment.

Living Benefits have taken the traditional approach to selling our products and taken them to a new level. These benefits are designed with an underlying theme for you to bring to your clients…easing the burden on their Dependents.

So, as we celebrate our country’s independence, eating our hot dogs, hamburgers and watching fireworks, let’s think for a moment about how we assist our clients in protecting what is most important to them and…



Driverless Cars and Life Insurance
By: Mark D. Milbrod, CLU
Principal, Agent Support Group-June Blog


driveless carsToday, so much of what we do has been taken over by technology.  So many industries have been forever changed and as a result, many jobs have been altered as well.  If we compare jobs and tasks today to what they were when we were just starting out, the results are “mind numbing.”

Let’s think about it.  Books and magazines have been largely replaced by their electronic counterparts.  Taxis by Uber & Lyft.  TV services by the likes of Netflix and Hulu.  Music by iTunes.  Even how we pay for things has changed with Apple Pay, PayPal, etc.  This list goes on and on and everything has changed due to technology.  Some things are just better left unchanged.  For example, I don’t like e-books.  I haven’t drunk that Kool-Aid yet.  To me, there’s nothing like the feel of a book in your hands and the ability to turn a page.

Don’t get me wrong. I’m a big fan of technology and believe that our lives are better for it but when it comes down to it, there is no substitute for the human element with some things.   This is especially true when it comes to Life Insurance.   I don’t like the growing trend of people shopping for their life insurance on line.  The majority of people are grossly underinsured and don’t understand the real needs associated with life insurance.  Nothing can replace the years of experience that comes along with a seasoned life insurance professional.

Life Insurance is not an optional thing that you should maybe get around to one day, it’s a necessity.  Just look at all the Go Fund Me pages we see in the wake of some tragedy.  If insured at all, the average young family doesn’t have adequate life insurance.   The funds that a surviving spouse needs to make a meaningful impact on their financial lives are often misunderstood.  This is not a knock to the average person they just don’t know how much life insurance is enough.

Here are some facts:

  • Only 51% of Americans own some type of Life Insurance (and I’m surprised it’s that high)
  • A large majority have group life insurance that they feel is portable upon leaving their job
  • A large majority of policies have improper ownership or beneficiary arrangements
  • Most policies provide grossly low/inadequate face amounts
  • “Non-Working” spouses are typically overlooked and not insured
  • Most people don’t know the many uses of life insurance including the ability to grow cash value and ultimately remove supplemental tax-free retirement income
  • Most people don’t know about the myriad of living benefits such as Long Term Care or Chronic Illness provisions
  • Most people don’t know the nuances of income replacement and how much of a role life insurance plays in that process

The list can go on and on.  The point is that when it comes to certain things, there is no substitute for the human touch and plain old fashioned experience. For all of my years in the business, I can speak of countless client encounters where the above holds so true.  The world of technology has put so much information at the fingertips of our current/prospective clients, even when it comes to life insurance. The trick is being the one who can bring light onto the stage and make them understand the complete value of life insurance.

Today, the ultimate buzz in the area of technology is the talk of driverless cars in the very near future.  I wouldn’t invest my money there just yet.  After all, I don’t even trust plain old cruise control.  If you’re a Taxi Driver however, this notion will not make you feel secure about your future.  As a Life Insurance Professional, do you want to watch that “Driverless Car” pass you by on the side of the road or do you want to show them the right way a car should be driven?



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Alzheimer picBy: Mark D. Milbrod, CLU
Principal, Agent Support Group


Over the last few weeks, I was introduced to some staggering statistics as they relate to Alzheimer’s and other types of Dementia.  These figures will greatly impact the way we conduct ourselves as insurance/financial advisors.  Here is what I learned:

  • In 2016, there were 15.9 Million Informal Caregivers in the U.S. providing care for Alzheimer’s and other types of Dementia. That means that family and friends provided this kind of care.
  • This care amounted to 18.2 Billion hours of collective care.
  • That amounts to 1,145 hours/caregiver or simplified even further, 22 hours/week.
  • This “unpaid” care monetized, is equal to over $230 Billion.

Considering formal care in the same year for Home Health Care and Facility Care combined was over $241 Billion, it’s a fair assumption to say that the above numbers are worthy of our undivided attention.  To further the problem, there are more than 5,000,000 Americans living with Alzheimer’s and by the year 2050, it could be as high as 16 Million.

Since the majority of care provided is by family members and friends, it is no wonder that a huge financial toll is realized by these caregivers.  As mentioned above, the average time spent caring for these individuals is 22 hours/week.  It is presumed that there can be a large amount of wages lost for the time taken to provide care.   Also, two thirds of caregivers are women, of which 34% are age 65 or older.   What is more troubling is that over 35% of these caregivers have diminished health due to the physical and emotional strain that they endure.

As it relates to the caregivers, it is also noteworthy to mention that 1/4 of them are considered “the sandwich generation,” which means that not only are they caring for an aging parent, but they also have children under the age of 18.

When you look at all of the numbers and process it all, it is very scary.    Although there is nothing we can do to take away the anguish of watching as a loved one slips away, we can help ourselves and our clients with proper planning tools and techniques.  These approaches can help mitigate some of the financial effects and maybe help alleviate some of the emotional toll that comes with the territory.

Today, we have so many tools at our fingertips.  There are many different policy designs offering a number of Chronic Illness & Long Term Care definitions, each covering cognitive impairments as an instant benefit trigger.  There are Stand-Alone LTC policies, Life Insurance with CIR/LTC Riders and Blended Life options.  Through these different product designs, we can offer so many ways to access benefits and in some cases, they can even be uncapped.

Like I stated when I started this post, the statistics are staggering.  This is an alarming crisis facing all of us and we at ASG, are dedicated to assisting you in offering expertise and advice to that growing group of caregivers and their families that are in need of our the products and services that we all provide.  The Informality with Informal care needs to change.  The more people we tell this story to, the better off we will all be.


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by: Mark D. Milbrod, CLU
Principal – Agent Support Group

Bad News Bears

One of my favorite things about this time of year is the start of baseball season.  As a kid, playing baseball was one of my biggest thrills.  I was not a bad player but I wasn’t the home run hitter that all kids aspire to be.  That being the case, I realized that not everyone can be the home run hitter so I concentrated efforts on making sure I would contribute to the team and get on base and help my team win ball games. 

Having that desire to contribute and win, I quickly realized that a great way to do that was to hit singles and doubles, which I was certainly capable of.  Scoring runs would win games and it was a simple recipe for success.  Getting on base with singles and doubles was the way to scoring those runs and making things happen. 

Today, it’s no different.  But instead of competing on the baseball diamond for those runs, I find that when working with agents and advisors, that diamond is replaced by sales quotas via applications and paid business.  With the number of advisors that I work with, I realize that a lot of them are always trying to hit the game winning home run every day.  The problem is that they may not have the ability to do that just yet.  They are simply not that “home run hitter.”   Sure, eventually they will hit it but for now they have to be concerned with getting on base with singles and doubles. 

With the markets that we serve, we know that there are many opportunities to sell small to medium size cases quite frequently.  The trick to making consistent revenue in our business is to have a steady flow of those cases that are always in our pipeline.  One of best examples to accomplish this is to incorporate Long Term Care Riders in our everyday routine.  These types of cases appeal to a wide array of clients ranging in the 45 – 65 age categories.  The LTC discussion is a great way to access this market and once you get in the door, there are so many other ancillary pieces of business to write.  They can be term sales, buy-sell type sales or retirement supplements.   All of these types of sales are the “singles” and “doubles” that are needed to knock in those runs. 

Don’t get me wrong, I’m not saying to not shoot for the bleachers and knock one out of the park every now and again.  Home runs come after a number of at bats.  The singles and doubles keep you at the plate longer and help you score more runs.  Many a game is won by manufacturing runs and most times, no home runs ever leave the park.  Don’t forget that the singles and doubles (the cases with average premiums in the $4,000 – $6,000 range) add up and win those ball games as well.   



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By Mark Milbrod, CLU
Partner, Agent Support Group-April 2017


It is April, spring is around the corner, baseball season is kicking off and of course, as American as apple pie, our favorite Uncle has his hand out for his piece of that pie.  Tax season is upon us and with it comes our best prospecting tool, THE TAX RETURN.   

As we are waist deep in tax season, what better time to remind ourselves of the countless sales opportunities that arise out of this time of year.   The best part is that with the focus on taxes, all of our clients are aware of the things that affect their financial lives. Whether its retirement plans contributions, annual gifts, charitable contributions, etc., it is all fresh in their minds. From just those few items, I’m sure a few sales opportunities come to mind.

As stated above, a tax return is probably our best sales prospecting tool.   As financial professionals, where else can you get a roadmap that leads you directly to all facets of someone’s finances?   

Here are some examples of line items on a standard 1040 Tax Form that can lead you to where potential sales opportunities exist: 

1.     Dependents – knowing how many dependents raises the question to whether there is enough life insurance in force to protect those family members who are reliant on someone. For younger dependents, the college planning conversation usually starts. 

2.     Taxable Interest – See where this income is coming from.  There can be a more tax efficient way to invest funds. 

3.     Business Income – knowing where business income comes from can start the conversation for business succession planning, key employee coverage’s, etc. 

4.     Qualified Plan Contributions – this opens up the retirement planning conversation.  Are they maxed out in qualified contributions? What about retirement goals? Perhaps some supplemental non-qualified vehicles could be appropriate. 

5.     Partnership/S-Corp Income – knowing if there are partnerships, perhaps buy-sell planning can be in order. 

6.     Social Security Benefits – are they receiving SS benefits?  Do they need it?  Perhaps a more efficient use of those funds can be the answer. 

7.     Capital Gains – where are their assets? Is there a better use of those assets? 

8.     Medical Expenses – knowing what their medical expenses are can open up the Long Term care conversation.  Do they have any or what assets would they tap into if they had an LTC event? 

9.     Interest Paid – mortgage interest paid can tell you more about their home.  For clients older than age 62, a Reverse Mortgage can be an option. 

10. Gifts to Charity– if someone is charitably inclined, you can discuss the leverage of life insurance for legacy gifts.   

As you can see, there are a number of sales opportunities that exist by utilizing the 1040 Tax Form as a roadmap.  The examples above are just the tip of the iceberg.  By using this approach, you can start conversations with your prospective and current clients.  In addition, centers of influence, such as CPA’s and Tax Attorneys are excellent sources to have this conversation with.  

With tax season upon us, there are excellent opportunities that will drive new business.  I have been using this approach for many years to huge success.  At ASG, we have tools designed to help you with this approach to marketing.  Contact us today so we can guide you through the process and navigate you through this road map provided by our favorite uncle.

by: Mark D. Milbrod, CLU
Principal – Agent Support Group

March Madness 17

March is here, and with it, the annual College Basketball phenomenon, March Madness begins. Every year the sports world goes crazy as this gets under way. But we in the Insurance and Financial Services Industry have our own March Madness (and every other month for that matter).

If you follow college hoops or you simply get caught up in the hype, it can get pretty exciting. We are all familiar with the visual of “the brackets” that start at the beginning of the tournament. 64 teams start off and we follow the brackets as they wind down to the infamous Final Four.

When it all starts, I find the brackets to be overwhelming and a sensory overload. There is so much happening on one sheet of paper and in the actual tournament, similar to our industry. So here’s a look at Our March Madness and how it looks in my head…

MrachMadnessBracket 2017

Wow! That’s a bit much, but it is the MADNESS that we face every day, every month and throughout the year. This has been especially relevant over the last several months for all of us. We have experienced unprecedented product, legislative and psychological changes that will permanently alter the way we conduct our practices.

What carrier do we choose? Why one over another? From our perspective, each of the carriers have their own niches, whether it is product related, an underwriting strength or a particular feature or benefit that sets them apart.

What product design do you choose? There are so many to choose from; Guaranteed Universal Life (GUL), Indexed Universal Life (IUL), Whole Life, Term , Blended Life Contracts, Life with Long Term Care Riders or Return of Premium Term (ROP), to name a few. Each has its own bells and whistles which make them so unique and adaptable to a number of planning and individual client needs.

From a legislative standpoint, we are seeing potential modifications with the Estate Tax and our healthcare system.  The industry itself is going through changes of it’s own with cost of insurance increases, carrier contractions, massive shifts in product design and a large “name brand” company leaving the marketplace. 

That all leads us to knowing where the Sales Opportunities are. In the center of our brackets, there are four areas (Our Final Four), where all of these opportunities converge, Policy Valuation Modeling, Legacy Planning, Business Valuation Modeling and Asset Repositioning.

It is easy to be overwhelmed by the “brackets” we call “Our March Madness.” We scratch our heads as we try to sort it all out. It is truly overwhelming and it fosters that sensory overload I mentioned earlier. Where are the Sales Opportunities? They are all there, staring us right in the face.

Having a partner that can guide you through all of this is key.  At ASG, we have the expertise to walk you through it and help you Make Sense Out Of All The Madness. 



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lemonadeby: Mark D. Milbrod, CLU
Principal, Agent Support Group- February 2017

When you were a kid, you probably had a lemonade stand at some point.  It was for most, our first experience in running a business.  We created a stand, a sign, a price, etc.  If it was really hot outside, we learned about supply and demand.  We could probably get more money since people needed to cool down with that refreshing cup of lemonade.  At the end of the day, we counted up all of our money and it looked great.  Let’s say you had $20.  Now you had $20 to spend, but it wasn’t that easy.  The realization came when you had to factor in the cost of your time, the materials to make your stand, the lemons, the cups, the sugar and so on.  In the end, you really didn’t “make” $20. If you were lucky, you were left with a couple of bucks.

This gets me thinking about our clients.  Using the lemonade stand as a metaphor for planning, have you asked them lately how their lemonade stand is going?  Do they realize the cost of running their stand and in the end, what is left over?  As we all know, it is difficult to get people to talk about tough topics such as Life Insurance, Long Term Care, Disability Income and more importantly, having enough money to retire.

If we talk about Life Insurance, there is a discussion that has to take place asking how much of a lump sum is needed and how much future income needs to be replaced.  After their personal funds, what is left over?  With almost all, there is not much in reserve to sustain a family for any length of time.   The life insurance proceeds become what is “left over” from that $20.   Similarly, when dealing with estate planning, the life insurance becomes the bulk of money left to heirs.  People forget that Life Insurance is a contract to buy money.  So why not buy it for pennies on the dollar.

The same argument can be made for Disability Income Insurance and Long Term Care protection.  Today, we can provide LTC benefits in more efficient ways via Linked-Benefit Plans and Long Term Care Riders.  Without any of these in place, there is usually not much “left over,” if anything at all.    One of the major objections we get when bringing up LTC coverage is that it is too expensive.  Your response should be… If you think LTC Insurance is expensive, see what it costs without it.

Last but not least, Annuities, namely Guaranteed Income Annuities.   These are the most underused financial instruments available today.  With advances in medical science, people are living longer and are truly afraid of outliving their retirement assets.   Ask your clients how long they want to guarantee their retirement income?  My guess is that they want it forever.  People make the mistake of liquidating assets for income when needed and as such, are subject to market timing risk.  With Guaranteed Income Annuities, a paycheck will be there regardless of how long you live.  After all, liquidity is not a one time event, it’s a lifetime event.  There is no other product that can take away market risk and guarantee income for as long as you live.

So, let’s go back to our lemonade stand for a moment.  You made your $20 and you thought it was all yours.  When it was all said and done, you walked away with a couple of bucks.  That was not nearly enough compared to all of the work you put in.  Your life’s lemonade stand is no different.   Life Insurance, Disability Income, Long Term Care or Annuities are all ways to protect our families so that we have enough “left over.”




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happy-new-year-baby-2gifby: Mark D. Milbrod, CLU
Partner, Agent Support Group


Here we go…It’s 2017 and I am sure it is going to keep us all on our toes.    The Insurance Industry is going to have a lot of changes ahead.  Among these changes, and with Donald Trump as our new president, there is talk of eliminating the federal estate tax.    This has caused a great deal of chatter among insurance professionals who are seeing this as the end of “Estate Planning” types of sales.

Although it is true that this market will likely contract, a need still exists for planning in the wealthy, affluent communities, but the middle market we serve is still full of opportunities.

For our wealthy clients, life insurance still provides unique features that open the door for a number of sales opportunities that cannot be rivaled by any other financial instruments.   Our wealthy clients have very specific problems that can be solved with the products that we provide.  Let’s take a look at a few…

Estate Equalization : For clients that have family businesses with only certain family members working in that business, there is a need for life insurance to provide equal distributions for the “non- involved” family members/heirs.

Business Planning: Life insurance still provides the ideal vehicles for a number of business planning solutions such as Key-Person Indemnification, Buy-Sell Planning, Securing Loans, Deferred Compensation for key personnel and golden handcuffs to retain that same personnel.

Asset Class Inclusion: Life insurance can be used as a diversification tool that leverages dollars into large guaranteed tax-free sums of money for generational planning, regardless of market volatility.  Even if there is no estate tax, these windfalls will be a welcomed addition to any estate plan involving wealth transfer.

Charitable Planning:  Most affluent clients are philanthropic.  Assets can be given to charities during their lifetimes and be replaced to their heirs via life insurance proceeds on a tax free basis.  By structuring a charitable gift program while simultaneously purchasing life insurance, they can accomplish the best of both worlds.

Asset Protection:  Life insurance that is put into trusts provides asset protection via privacy statutes.  These privacy statutes vary from state to state and are very popular amongst affluent clients as a means of shielding assets from outside threats and/or frivolous lawsuits.

The wealthy/affluent community has and will continue to use life insurance for the many benefits outlined above.   For the middle markets, let’s not forget the role that life insurance plays.  Simple things like income replacement, mortgage protection and supplemental retirement planning will always serve this marketplace very well.  Also, with the additional of Long Term Care Riders on Life Insurnace contracts, we can offer protection against health threats that can be financially catastrophic to most families.

Contrasting the needs of the middle market segment to the affluent, it is apparent that regardless of estate tax laws, there will always be needs to fill within this group.   In the wake of tragedies, the middle market clients are more concerned with Wealth Creation techniques that will assure their families secure financial futures.

So, with 2017 upon us, it is clear that we are still vital to the markets we serve.  Whether it’s the affluent or the huge middle market segment, we are positioned well to provide products and services that are needed by both.

All the best for a Happy, Healthy and Prosperous 2017!


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