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Policy Matters

Third Quarter 2019

NEWS YOU CAN USE FROM THE EXPERTS AT LLIS

Once you and your clients have determined the need for life insurance, the next step is determining the amount of coverage needed.

Several years ago, we added Mark’s Life Insurance Calculator on LLIS.com as a quick tool for you to use with your clients to help with their planning (to supplement your own financial planning software). Our Advisor Services Team members will, of course, help evaluate their optimal need upon request.

Life Happens* also offers a quality, comprehensive assessment tool if you want to go more in-depth with your clients:

* Life Happens is a nonprofit organization dedicated to helping Americans take personal financial responsibility through the ownership of life insurance and related products, including disability and long-term care insurance. Life Happens also seeks to remind people of the important role insurance professionals perform in helping families, businesses, and individuals find the insurance products that best fit their needs. Life Happens does not endorse any product, company or insurance advisor. Its only interest is seeing that consumers get the coverage they need to protect themselves and their loved ones.

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