Situation: Over the past several years a number of life insurance carriers and marketing organizations have been promoting the use of life insurance as a source of cash in retirement: accessing values when the market takes a down-turn on a tax-free basis. Since more economists believe that recession might be around the corner, now is a […]
A number of “what if’s” can happen to your clients as they reach retirement, but you can help ensure they have enough to last through the end of their golden years. Check out this consumer approved flyer that will help get the conversation started! Read the print-friendly PDF flyer. Click here!
We’re focusing this month on effective legacy planning techniques. A recent case illustrates how the DBS Case Design Team was able to analyze the client situation, take into account all the desired outcomes, and find a life insurance solution to fit their needs. Read the print-friendly PDF flyer. Click here!
Some people who have been successful in saving for retirement have established a large enough nest egg to be able to create a legacy for their children, grandchildren or favorite charities. While tax-qualified retirement plans were designed to help people fund their retirement, they also serve a useful purpose for some in passing wealth to […]
Situation: Early in our insurance careers, many of us learned that life insurance enjoys many tax-favored benefits. Specifically, we learned that unlike annuities, withdrawals from a life insurance policy are not taxable to the extent they do not exceed the cost basis of the policy. Furthermore, loans of any amount permitted by the insurance carrier […]
This article is available as a print-friendly PDF handout. Click here! Women today represent a diverse and multifaceted segment of the financial planning marketplace. In fact, women account for 85% of all consumer purchases.1 Furthermore, today’s women are highly educated and more financially empowered than ever before. However, evidence suggests that their financial planning needs […]
This article is also available as a print-friendly PDF handout. Click here! We’re focusing this month on retirement planning with life insurance, and we’re examining how the strategies pertain to women. The numbers are clear: women face greater challenges when it comes to retirement planning, and their wants and needs are unique. The DBS Case […]
This article is also available as a print-friendly PDF handout. Click here! By Terri Getman, JD*, CLU, ChFC, RICP, AEP (Distinguished) Americans are not prepared for retirement – and it’s no secret that women face greater financial challenges in retirement than their male counterparts. Generally, women earn less than men, are more likely to work […]
Producers and clients alike may feel overwhelmed or confused by the ever-increasing variety of long-term care and chronic illness products and riders available on the market today. The differences between the options can be quite profound. To further compound the confusion, Both long-term care and chronic illness riders have limitations on what is considered covered […]
Long-term care planning is important for everyone, but it is arguably the most important for women. Why? Longevity and caregiving. Statistically, women live longer than men and are more likely to live to a point where such care is required. Women are also most often saddled with the responsibility of providing care to family members. […]