Sales Concepts

Advanced Markets

When selling life insurance and annuities, you may find yourself in need of help. Reach out to our team when a specific insurance/annuity case requires the following services:

A secure, comfortable retirement is everybody’s dream. And now because we’re living longer, healthier lives, we can expect to spend more time in retirement than our parents and grandparents did.
Achieving the dream of a secure, comfortable retirement is much easier when you plan your finances. We can help you to help your clients to reach their retirement dream.

Estate tax planning is crucial to preserving the wealth of your clients for future generations. Knowing the potential estate tax liability is a great place to start planning today for a smooth transition at the time of need.

Succession Planning is a vital area of planning for small or family-owned businesses. This area of planning is often overlooked and can create serious implications when a business partner or family-member dies or desires to retire from the company. Our PASS Plus strategy is one of our frequently utilized programs to allow for an economical smooth transition.

Any business owner or professional interested in using business dollars to pay for personal life insurance for themselves and their key employees. When properly structured it can provide income tax-free death benefit to your heirs, tax-deferred growth, and the potential for tax-free income.

Mortgage Protection Life Insurance​

  • A sales concept where an individual or a family purchases a term life insurance policy for the duration of the mortgage to prevent that the family may default on their mortgage payments in the event of a death of a breadwinner or if the insured’s were to suffer a critical, chronic or terminal illness.

    The full death benefit is paid to the beneficiary of their choice to either pay off the outstanding loan in full or continue to make periodic payments form the proceeds of the policy.  So they avoid the loss of the family’s home, the loss of their investment and the disruption of the family life style.

    The addition of Living Benefit Riders in the latter years allows for full protection from a health emergency like a Critical Illness which is the number one cause for Foreclosures in the last 10 years.

Final Expense

A life insurance policy that will cover the expenses related to funeral and burial of an individual is considered a Final Expense Plan. 

These policies tend to be of lower face amount, usually 50,000 or less, and do not require any medical exams. Traditionally these type of policies are Whole Life policies with cash value and have reduced paid up clauses in them.

Foreign Nationals

Life insurance  policies for individuals that live in foreign countries but visit or work in the continental United States.  Regulations vary from carrier to carrier and it depends also on the country of origin for the applicant.

Available resources from our primary carriers are on their websites. Contact us for more information on this.

Tax Free Retirement​

  • What are your options if you don’t qualify for a Roth Ira, or if you want to contribute more towards your retirement?

  • Did you know that Permanent Life Insurance offers competitive returns, liquidity of your funds during accumulation, and there are no limits on the contributions made annually?


Plus, an important benefit is that Permanent Life Insurance provides Income Tax Free Death Benefit, Tax Deferred Build up of cash value and the potential for Tax Free Retirement. The main purpose of purchasing permanent life insurance is for the death benefit protection it provides. In the event of a premature death, the income tax free death benefit would help fund your spouse’s retirement.

However, permanent life insurance also offers the ability to build up tax deferred cash value that can be accessed during your lifetime to generate a stream of retirement income – potentially income tax free. You can access that cash value using income tax-free policy loans and withdrawals.

This is why Permanent Life Insurance is known as the alternative of Life Insurance Beyond the Death Benefit.

Do you have more questions?

Contact one of our experts.