Life Insurance
Rent with an Option to Buy
Too often, people think too short about life insurance when death is the only event in life that’s guaranteed. The commoditization of term insurance has led many to buy purely on price which may be a decision they regret later.
Term insurance is equivalent to renting and permanent insurance can be analogized to owning a home. Having quality term insurance is renting with an option to buy. It locks in good health today and allows you to convert to a long-term plan later—without new underwriting.
Watch: Quality Term Insurance
When “What If” Becomes “What Now”.
Quality term insurance doesn’t just protect your family if you die, it can also protect you while you’re living when it includes certain riders. Some policies include a rider that provides benefits if you experience a chronic illness or disability.
Example:
Mary buys a 30-year, $1,000,000 term policy at age 40 that includes this unique rider. Five years later, she is hit by a car and becomes paralyzed. Because she’s unable to perform 2 of the 6 activities of daily living, she can activate her rider and receive $12,000 per month until her full death benefit is used up. If Mary didn’t face trauma, she still retains valuable options:
- She can convert to a permanent plan with long-term care protection later—guaranteed, regardless of health changes.
- She can extend her life insurance protection beyond 30 years without new medical exams.
Long-Term Care Insurance
Hybrids are Hot.
Hybrid long-term care products continue to outpace traditional LTCi because they address two major concerns:
- Guaranteed pricing – no unexpected premium increases.
- A benefit even if you never need care – your heirs receive a death benefit.
With hybrids, clients can reposition a portion of their assets—leveraging a small part of their portfolio to protect the rest from the high cost of care.
Widest Selection Available
We’ve recently added New York Life to our lineup of hybrid LTC products. Use the Securian comparison tool to view and compare today’s most popular options.
Annuities
CD or MYGA?
The stock market is hitting all-time highs, causing many to accumulate cash. As interest rates decline, a MYGA (Multi-Year Guaranteed Annuity) can be an attractive alternative to CDs or money market accounts—offering around 5% guaranteed for five years, depending on carrier quality.
Take Some Off the Top to Protect Your Bottom
Some clients may choose to reposition a portion of cash or market gains to create guaranteed lifetime income for retirement. This strategy can:
- Reduce exposure to market downturns.
- Avoid a bad sequence of returns.
- Provide growing, predictable income for life.
Explore: Three Ways to Design Lifetime Income Later.
Disability Insurance
Claim Time Is Not the Time to Learn How Good Your Coverage Is
Most people rely on their employer-provided group long-term disability plan, unaware of its limitations. Key differences often lie in the definition of disability—ranging from “own occupation” (protects your specific job) to “any occupation” (much narrower protection).
Watch: Group DI Limitations
Insuring the Business
Business owners face additional challenges—they must keep cash flow positive and protecting key employees is one step in maintaining business profitability and continuity. Specialized disability coverage can help with:
- Key person protection
- Overhead expense coverage
- Buyout coverage
We can help your business owners safeguard both their business and their paycheck.
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