As we ring in the new year, it gives us an opportunity to look back and reflect on the prior year and also gives us a chance to peer into the new year with a sense of optimism for what lies ahead and also to put things in perspective. When it

Every so often, we come across something that can change how we look at things. For me, I received and e-mail that contained an article about a 43 year old father of three that tragically died due to injuries he sustained in a motor vehicle accident. The article

As we approach this year’s tax deadline (everyone’s favorite day), our clients have been preparing their tax documents and will be filing their 2022 Tax Returns. And as American as apple pie, our favorite Uncle has his hand out for his piece of it. Tax season is upon

We all deal with objections on a daily basis. That just goes with the territory. When dealing with advisors, one objection that comes up most often is hearing from clients that as they get older, the need for life insurance goes away. That is the farthest thing

When I first started in the business, I worked for The Prudential as a District Agent. As “the new kid on the block,” the old time agents in the office would tell me that I would never understand this business until I delivered my first death claim. Fast forward a

I love the Fall. Of all of the seasons, it is definitely my favorite (and the reason why I will likely never move out of the Northeast). On a fun note, and as a huge sports fan, for me fall brings us into Playoff Baseball, Football and

A forecast is always helpful. It helps us prepare for events that can severely impact our lives. That’s why millions of us look to The Weather Channel when there is a storm coming. We want to know the facts. We want to know what is headed our way so that

by: Mark D. Milbrod, CLUVice President, Agent Support Group By far, one of the largest fears of retirees is the notion of outliving their retirement assets. As the holidays are upon us, the focus is on spreading cheer, gift giving and being with family and friends. But we also can’t…

by: Mark D. Milbrod, CLUVice President, Agent Support Group   As I do every year at this time, I look back and reflect on the past twelve months.  As an industry, we have endured yet another roller coaster ride complete with huge drops, loops and no shortage of thrills.  From…

One of the first things that comes to mind when February rolls around is Valentine’s Day. Hearts are everywhere and of course, they symbolize Love. As I am writing this post, I am on an airplane on the way home from a conference that I just attended. I am

It’s March and with it comes hints of Spring and for a lot of us who are into sports, it brings The March Madness College Basketball Tournament. Year after year, “March Madness” captivates basketball fans with it’s intense matchups and unpredictable outcomes. In order to come out

It’s March and with it comes hints of Spring and for a lot of us who are into sports, it brings The March Madness College Basketball Tournament. Year after year, “March Madness” captivates basketball fans with it’s intense matchups and unpredictable outcomes. In order to come out

It’s March and with it comes hints of Spring and for a lot of us who are into sports, it brings The March Madness College Basketball Tournament. Year after year, “March Madness” captivates basketball fans with it’s intense matchups and unpredictable outcomes. In order to come out

By: Mark D. Milbrod, CLU, CLTCVice President, ASG Very often, annuities get some bad press.  One firm in particular even went as far to proclaim that they “HATE” annuities.  That’s unfortunate because they really don’t tell the entire story.    June is Annuity Awareness Month so in the spirit of that,

“HAVE A HAPPYDEPENDENTSDAY”! by: Mark D. Milbrod, CLU, CLTC 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…

By: Mark D. Milbrod, CLU, CLTC I don’t know about you, but I’m an Olympic junkie. I can’t get enough of it. Although the Swimming and Diving are probably my favorite, I so look forward to my fix of Water Polo every four years. I am an awe of all…

For The Price of a Cup of Coffee – A Story for Life Insurance Awareness Month by Mark Milbrod, CLU, CLTC, Sales Vice President September is Life Insurance Awareness Month.  In the spirit of that, I would like to share a story… I recently had a conversation with a friend that

When I first started in the business, I worked for The Prudential as a District Agent. As “the new kid on the block,” the old time agents in the office would tell me that I would never understand this business until I delivered my first death claim. Fast forward a

By: Jay Scheiner, CEO, Agent Support Group The insured (donor) may make the loved one , who may be the beneficiary of the policy, or in some circumstances, they may become the policyowner as well as beneficiary. Keep in mind, there must always be an “insurable interest” between the insured and the

By: Jay Scheiner, CEO, ASG. Life insurance isn’t a one-time purchase. Just like other aspects of your clients' financial well-being, their life insurance policies should be reviewed regularly to ensure they have the right coverage to protect their loved ones as their needs change. By conducting an annual review, you can

By: Jay Scheiner, CEO, ASG. Life insurance isn’t a one-time purchase. Just like other aspects of your clients' financial well-being, their life insurance policies should be reviewed regularly to ensure they have the right coverage to protect their loved ones as their needs change. By conducting an annual review, you can

The Art of Storytelling in Life Insurance Sales: Connecting Emotionally with ClientsJul 17, 2024 By: Jay Scheiner As the CEO of a Life Insurance Brokerage General Agency,  I've seen countless sales strategies come and go during my 35-years in the insurance industry. However, one technique has stood the test of…

When I first started in the business, I worked for The Prudential as a District Agent. As “the new kid on the block,” the old time agents in the office would tell me that I would never understand this business until I delivered my first death claim. Fast forward a

What If? My father passed away seven years ago after Alzheimer’s slowly stole his mind and then his body. He was 93 and I miss him every day. Among other wonderful gifts my dad gave me, my mom and siblings, was a thick file called

Lydia, an 83 year-old client of our office, recently went on claim for Long Term Care (LTC). She asked her insurance advisor to explain how her claim will work - how she will be paid - how much - and for how long.

Lydia, an 83 year-old client of our office, recently went on claim for Long Term Care (LTC). She asked her insurance advisor to explain how her claim will work - how she will be paid - how much - and for how long.

As life insurance agents, we’ve all faced objections like, “It’s too expensive,” “I don’t need it right now,” or “I’ll think about it later.” These hesitations can stall sales, but with the right approach, you can turn objections into opportunities.

April is Financial Literacy Month, a perfect opportunity for life insurance producers to reinforce their role as trusted financial advisors. While financial literacy covers a broad spectrum—from budgeting and debt management to investing and retirement planning—life insurance is often overlooked in these conversations. As industry professionals, we have the responsibility

When retirement planning with a client, the transition from the accumulation phase (where the focus is on building wealth) to the decumulation phase (where the focus shifts to using that wealth to generate income) is a critical juncture. During this shift, the primary goal is to ensure a steady and

Very often, annuities get some bad press. One firm in particular even went as far to proclaim that they “HATE” annuities. That’s unfortunate because they really don’t tell the entire story. June is Annuity Awareness Month so in the spirit of that, this month’s post

When retirement planning with a client, the transition from the accumulation phase (where the focus is on building wealth) to the decumulation phase (where the focus shifts to using that wealth to generate income) is a critical juncture. During this shift, the primary goal is to ensure a steady and

The last couple of months have been a tumultuous time to say the least when it comes to the stock market. In this “long-term bear market,” we have all seen dramatic drops in our 401(k) and other investment accounts. As this is happening, we hear a lot

In the spirit of April being Financial Literacy Month, I felt it appropriate to bring up one of the most overlooked and underutilized financial tools, Life Insurance. Life Insurance can certainly mitigate financial risks that can occur and derail any financial plan. Financial literacy is not just about saving

April is Financial Literacy Month, a perfect opportunity for life insurance producers to reinforce their role as trusted financial advisors. While financial literacy covers a broad spectrum—from budgeting and debt management to investing and retirement planning—life insurance is often overlooked in these conversations. As industry professionals, we have the responsibility

As we approach this year’s tax deadline (everyone’s favorite day), our clients have been preparing their tax documents and will be filing their 2024 Tax Returns. And as American as apple pie, our favorite Uncle has his hand out for his piece of it. Tax season is upon

As life insurance agents, we’ve all faced objections like, “It’s too expensive,” “I don’t need it right now,” or “I’ll think about it later.” These hesitations can stall sales, but with the right approach, you can turn objections into opportunities.

People are generally averse when it comes to discussing the purchase of life insurance. Let’s face it, it’s not a comfortable conversation to have. Being forced to peer into our mortality can turn anyone away. People simply don’t want to talk about it. There can be several reasons that make someone

As another year comes to a close, we have a chance to look in the rear view mirror and reflect on what happened with our personal business and on a wider scale, our industry. Everyone has their own way of measuring success. Some measure goals based solely on how

Isn’t that what it’s all about? Stuff !!!!!! With the commercialization of the holiday season, the true meaning of the holiday has definitely been lost. But that’s an entirely different topic for another day. Materialistic things are purchased with the notion of making the recipient happy.

Lydia, an 83 year-old client of our office, recently went on claim for Long Term Care (LTC). She asked her insurance advisor to explain how her claim will work - how she will be paid - how much - and for how long.

Lydia, an 83 year-old client of our office, recently went on claim for Long Term Care (LTC). She asked her insurance advisor to explain how her claim will work - how she will be paid - how much - and for how long.

Lydia, an 83 year-old client of our office, recently went on claim for Long Term Care (LTC). She asked her insurance advisor to explain how her claim will work - how she will be paid - how much - and for how long.

What If? My father passed away seven years ago after Alzheimer’s slowly stole his mind and then his body. He was 93 and I miss him every day. Among other wonderful gifts my dad gave me, my mom and siblings, was a thick file called

When I first started in the business, I worked for The Prudential as a District Agent. As “the new kid on the block,” the old time agents in the office would tell me that I would never understand this business until I delivered my first death claim. Fast forward a

For The Price of a Cup of Coffee – A Story for Life Insurance Awareness Month by Mark Milbrod, CLU, CLTC, Sales Vice President September is Life Insurance Awareness Month.  In the spirit of that, I would like to share a story… I recently had a conversation with a friend that

When I first started in the business, I worked for The Prudential as a District Agent. As “the new kid on the block,” the old time agents in the office would tell me that I would never understand this business until I delivered my first death claim. Fast forward a

By: Mark D. Milbrod, CLU, CLTC I don’t know about you, but I’m an Olympic junkie. I can’t get enough of it. Although the Swimming and Diving are probably my favorite, I so look forward to my fix of Water Polo every four years. I am an awe of all…