MassMutual just published a Nov19 survey of 1500 people ages 30-60 with annual income of $50K-$150K, asking them about...
Linked Benefit Articles
COVID Linked-Benefit Opportunity
More than ever in my life, I fear a major depression, because of COVID. Many restaurants won’t re-open; some had...
Associations of Businesses and LTCi
Some association programs offer LTCi with unisex pricing and some offer LTCi with gender-distinct pricing. For...
Employer Sponsored: Stand Alone vs Linked Benefit
Stand-Alone LTCi is a staple in the employer-sponsored market but linked benefit is becoming popular as well. Of course, people like linked benefit policies because they are not “use-it-or-lose-it”. There are other reasons for an individual to favor linked benefit or...
Linked Benefit Annuities and 1035 Exchanges
With today’s low interest-rate environment, linked-benefit annuities are used primarily in §1035 exchanges from traditional deferred annuities (see our §1035 information) or for people who are uninsurable. Linked-Benefit Annuity designs can vary widely, e.g.: They may...
1035 Exchanges – Amazing and Fruitful Opportunities to Help Clients
Nearly every financial advisor has some substantial §1035 exchange opportunities that can help clients tremendously, compensate the advisor well and generate referrals. Delighted clients will tell their friends about the service you provided, even if you don’t ask...