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Policy Matters

First Quarter 2020

NEWS YOU CAN USE FROM THE EXPERTS AT LLIS

While we all work toward a “new normal” in the current environment, working, meeting, and learning virtually has become an even more valuable tool. We are pleased to announce our 2020 webinar series and look forward to “seeing” you each month.

Fee-only financial advisors have gained insights into the insurance industry (and CFP® CE credits) nearly every month since January 2012 through LLIS’s monthly webinars.

Theme: The WHYs of Insurance

LLIS offers many insurance solutions for fee-only advisors and their clients. We understand that with many options come many questions. In this year’s webinar series, we’ll tackle the WHYs of insurance.

April 14

WHY & How Does Technology Impact the Application Process?

Topic(s): Life insurance application
Presenter: Jennifer Stiles, ALU, FLMI

Applying for life insurance has changed over the years. We’re here to take you through the steps your clients will go through before they receive their life insurance policy. Jenny will discuss how technology has changed the life insurance industry and the current underwriting changes due to COVID-19.

May 12

WHY Protect Your Income with Disability Insurance?

Topic(s): Individual Disability Insurance
Presenter: Brian Ciccarelli

It’s important to protect your loved ones. Protecting your biggest asset (your income) is a start. We’ll take you through the steps of building a policy to safeguard your paycheck with tax-free benefits, ensuring life’s big things (retirement and student loan debt) and little things (vacations, child’s baseball registration) don’t fall behind. We’ll break down all the choices and options DI policies offer.

June 9

WHY Protect Your Business with Disability Insurance?

Topic(s): Business Disability Insurance
Presenter: Kathy Bilodeau

As a business owner, it’s important to protect your business and your employees. Disability insurance can keep the doors open and retain employees in the event a business owner or key employee becomes ill or injured.

July 14

WHY Are There So Many Annuity Choices?

Topic(s): Annuities
Presenter: Jerry Skapyak, LUTCF

For Annuity Awareness Month, we'll take you through the various types of fixed annuities and highlight the differences between them. We'll explore which clients should consider purchasing an annuity and the benefits of each type. Do you have clients who already own annuities? We'll show you the process of an annuity review for an assessment of the annuity (beneficiaries, performance, company ratings, and comparison to other solutions) and recommended course of action based on current need and vision for the future. Did you know that LLIS never charges you or your clients for policy reviews of any type?

August 11

WHY do Life Insurance Rate Classes Matter?

Topic(s): Underwriting
Presenter: Jennifer Stiles, ALU, FLMI

Learn how comprehensive pre-underwriting can avoid unwanted surprises or declines. We'll detail the various areas of underwriting and the aspects of your clients’ health that determines whether their policy is issued at super preferred or standard.

September 8

WHY Are There So Many Life Insurance Uses? (part 1)

Topic(s): Term & Perm Life Insurance
Presenter: Mark Maurer, CFP®

For Life Insurance Awareness Month, we’ll explore many of the uses for a life insurance policy -- from income replacement to estate planning.

October 6

WHY Are There So Many Life Insurance Uses? (part 2)

Topic(s): Perm Life Insurance
Presenter: Mark Maurer, CFP®

Continuing with the many uses of life insurance, we’ll extend our exploration to potential regulatory changes in indexed policies, recent tax changes and their impact on insurance planning, and the use of life insurance for retirement plans.

November 10

WHY is Long Term Care Insurance Essential?

Topic(s): Traditional LTCi & Hybrids
Presenter: Jill MacNeil

There's no better time than Long Term Care Awareness month to learn how traditional LTCi and Hybrids can benefit your clients and their retirement plans, and which solutions work best for different client needs and goals.

December 8

WHY Keep Your Insurance Policies Current?

Topic(s): Life Insurance and Disability Insurance
Presenter: Mark Maurer, CFP®

Life is full of changes and, luckily, your clients’ life insurance and disability insurance policies can adjust to keep up with those changes. We’ll go through the process of maintaining each type of insurance, the life events that trigger a review, and important DOs and DON’Ts.


Always free. Always informative. Sign up here. Registration is open.

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