Two Lifelong Buddies…But Only One Had a Business Retirement Secret

Bill Jordon and Sam Franklin have been lifelong buddies since kindergarten. Legend has it the friendship began when Bill threw a building block at Sam’s head and Sam retaliated by pouring Elmer’s Glue into Sam’s shoes during naptime. Since then they’ve been close friends, regularly planning get-togethers with their wives and children. Yet at the same time, whether on the golf course or in business, they remained lifelong, but friendly competitors.

Over the past few months, Bill and Sam have been talking a lot about retirement. Bill’s business has grown to employ more than 30 people and has allowed Bill to take a decent salary for his entire career. One reason why Bill’s business has been so successful is that, since his business was founded, Bill has reinvested all the profits he could back into the business.


Executive Disability: Bridging the Group Coverage Gap

Are you a business owner or highly compensated employee?  If so, your group disability coverage may be riskier than it looks and poorly suited to your needs.

Group Long Term Disability (GLTD) is a valuable employee benefit. It generally kicks in after 90 days to 180 days after a short-term disability and covers 60% of income. This would seem to be an adequate amount of protection, but it’s not.

One reason: these policies typically feature a monthly benefit cap in the $5,000 to $10,000 range. This limit in effect punishes successful people, because coverage on a percentage basis decreases as earnings increase.

Wait…what?


Family Ties: The Secret to Foreign National Prospecting

Family

The Foreign National market is large, lucrative, and underserved. But to excel in this market it’s important to qualify clients upfront. The following case study provides an example of how to qualify a prospect and then offer the right solution.

Jessica, 26, recently graduated from UC Berkley with a master’s degree in Software Development. An American citizen both by birth and family ties, she had just accepted a lucrative job from a leading social media company. She has arranged to meet with Susan Smith, her advisor, to start professional financial planning.


8 Reasons to Break Up Big Annuity Contracts into Bite-Sized Ones

8 Reasons to Break Up Big Annuity Contracts into Bite-Sized Ones

Do you have a client who is considering a potentially large annuity purchase? If so, you may want to consider the benefits of breaking up the big contract into smaller, bite-sized ones instead. Here’s why.


Backstage at Highland: Tom Ellefsen, CLU®, ChFC®, Director, Advanced Case Design

Highland Capital Brokerage provides superior client service through a vast network of business and underwriting experts. Each of our team members has longstanding experience and is committed to helping you serve clients. BACKSTAGE, our new blogpost series, takes you behind the scenes so you can learn more about your dedicated professionals.

Tom EllefsenTom Ellefsen, CLU®, ChFC®
Director, Advanced Case Design
Highland Capital Brokerage

After more than 27 years of experience in product development, product support and advanced case design, Tom Ellefsen knows full well how life insurance can function as a wealth transfer, wealth accumulation, business protection or estate planning vehicle. Tom makes it happen for large cases by putting together presentations, packages and illustrations that enable advisors to easily explain what they have in mind for a client.


April 2019 LTC Newsletter

LTC in the News

The word is spreading. Major news outlets are letting the American people know the importance of long-term care planning. Are you? Here are a few recent third party articles.


Foreign Nationals: A Power-Packed Sales Opportunity Hiding in Plain Sight

Have recent changes in estate-tax thresholds made it harder to close larger, permanent-case domestic life insurance sales? If so, now’s the time to consider selling to Foreign Nationals, a vast, lucrative and virtually untapped market hiding in plain sight.


Meet Advanced Planning Team Member Robert W. Finnegan, J.D., CLU®, AEP, Senior Vice President, Advanced Planning Attorney


March 2019 LTC Newsletter

LTC in the News

The word is spreading. Major news outlets are letting the American people know the importance of long-term care planning. Are you? Here are a few recent third party articles.


Meet Advanced Planning Team Member, Michael J. Sapyta, CFP®, CLU®, Vice President, Advanced Planning


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