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Policy Matters

SECOND QUARTER 2017

NEWS YOU CAN USE FROM THE EXPERTS AT LLIS

  • LLIS can help your clients protect their income with long-term disability insurance and now … short-term disability insurance! (60% to $5,000 with 0 to 90-day elimination) Contact Kathy Bilodeau
  • Your clients can stack an individual DI policy on top of a DI policy offered by their employer.
  • If your clients become disabled, where will the money come from? The government? Their children? Their parents? Retirement funds? Will they have to sell off assets? Or a carefully tailored disability insurance policy with the help of their trusted resources (you and LLIS)? Contact Brian Ciccarelli for that tailored DI policy.
  • Likelihood of disability over death before age 65:

  • In addition to disability insurance, LLIS can get your clients covered with critical care insurance (that covers conditions like, but not limited to: heart attack, loss of sight, paralysis, advanced Alzheimer’s disease, major organ transplant, cancer, stroke). It’s a lump sum payment that can help ease their financial burden, especially with today’s high deductibles, coinsurance, and limited coverage on non-traditional treatments. It’s ideal for clients who:
    • aren’t covered by DI
    • don’t quality for DI
    • are maxed out on DI
    • are self-employed, working from home
    • have erratic income
    • have no income to replace (like stay-at-home parents)
    • are retirees
  • Our annuity expert spent 13 years at the home offices of insurance companies, and has 23 years of experience in the insurance industry. So he’s worked on both sides of the industry and provides extraordinary insight to you and your clients. Contact Jerry Skapyak for annuity and Hybrid Life/LTCi and Hybrid Annuity/LTCi assistance.
  • Annuities can help your clients’ financial status by deferring payments (tax deferred compounding enhances long-term earnings & taxes are due by owner only when money is withdrawn) or purchasing an immediate annuity (payments are partial return of original premium plus interest, so a significant portion is tax exempt).

  • We’ve already started planning for LLIS Insurance Academy 2018! Look for information soon.
  • Look for us and visit with us:
    • July 27-30 Garrett Retreat (Broomfield, CO)
    • August 29-31 XYPN Conference (Dallas, TX)
    • October 18-21 NAPFA Fall Conference (Orlando, FL)
    • November 8-11 Alliance of Comprehensive Planners (San Antonio, TX)

SOLUTIONS AVAILABLE THROUGH LLIS

Term Life Insurance | Low-Load Universal Life (Individual & Survivorship) | No Lapse Guaranteed Univeral Life (Individual & Survivorship) | Long Term Care Insurance | Disability Insurance | Critical Care Insurance | Low-Load Variable Annuity | Immediate and Fixed Annuities | Low-Load Variable Universal Life | Hybrid Life/LTCi | Hybrid Annuity/LTCi

(We recommend low-load permanent life insurance and annuities when possible)

(Not all policy types available in all states)

For a list of current providers, visit the Advisor Tools section of our website and click on "Insurance Companies We Work With".

NAPFA ACP Garrett Planning Network NAPFA XYPN