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Long term care (LTC) or chronic illness (CI) riders on a life insurance policy can create great value for a client with multiple financial planning needs. These living benefits can supplement the primary death benefit protection of life insurance by extending optional coverage to the...

“100% customer satisfaction guaranteed or your money back!” While life insurance is certainly different than these familiar ads, one of the major trends in guaranteed universal life (GUL) a few years back was a concept that ran along similar tracks known as Guaranteed Refund Options...

Sometimes, one of the most cathartic things anyone can do is pause and reflect. In those moments when I actually take the time to slow the frenetic activity in daily life, setting my mind to consider where I’ve been, where I am, and where I’m...