Highland Capital Brokerage

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Overcoming Price Barriers in Life Insurance Sales

At the end of the day, your clients’ No. 1 goal regarding life insurance should be obtaining coverage that fully meets their specific needs. However, assuming price will not also be a major concern is a naive outlook for producers to take.

Treasury Regulations Mean Increased Need for Advisory Services in Annuities

A recent study from LIMRA found that nearly 9 in 10 annuity owners are  confident regarding their retirement lifestyles. Now, new regulations put in place by the the U.S. Department of the Treasury could open the door to more clients benefiting from the unique advantages offered by annuities.

Retirement Planning is About More than Saving

Saving money for the future is one of the cornerstones of smart financial strategy, but when it comes to retirement planning, it may not be enough for your clients. Many people simply aren’t saving, and those that are may not have enough to secure the type of retirement they desire.

Breaking Down the Advantages of Permanent Life Insurance for Clients

For most consumers, life insurance choices boil down to term versus permanent. And while there are certainly instances where term life insurance may make more sense, most high-net-worth individuals would benefit from the long-term value and protection that is only offered by permanent life insurance options.

Estate Equalization with Life Insurance [Infographic]

Understand how estate equalization works, learn the benefits and considerations to take with this easy to use infographic. Estate equalization allows clients to leverage a pool of liquidity they can utilize to ensure beneficiaries receive their fair share.

Filial Responsibility Laws Becoming More Important to Consider

Many people will go above and beyond to take care of their loved ones, offering support in any way they can. However, in some cases, it’s not just a familial bond that leads individuals into action. Filial responsibility laws can leave your clients liable for financial assistance to relatives, and it’s up to you to ensure they understand their potential obligations.

The Basics of Reinsurance

The insurance industry is focused on managing risk. Producers know that protecting clients from risk also means exposing the companies that provide the coverage to financial risk. While companies may employ strategies to reduce their exposure, such as underwriting guidelines for both health conditions and financial status, large consistent losses may undermine the stability of the company. This is where reinsurance comes into play.

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