2023-08-29 14:31
Indexed Universal Life (IUL) insurance is a financial product that offers both protection and potential for cash accumulation. In this article, we’ll walk you through the basics… Read More
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We increase life insurance revenues for Advisor's who work with business owners or high net worth clients. We do this by: 1. Uncover the need, 2 Develop the solution, 3 Create the client presentation, 4. Simplify the application process.
ARC answered the call and created a turnkey system that is specifically designed to give Advisors a fast start way to identify, sell and close new life insurance cases. Using our tools and processes, advisors who work with us receive target premiums 179.6% higher than the industry average.
2023-08-01 08:49
“Six in 10 workers report they have less than $25,000 in total savings and investments; including 36 percent who have less than $1,000.”
- Employee Benefit Research Insti… Read More
2023-05-12 16:22
The landscape of the Indexed Universal Life Insurance (IUL) marketplace is experiencing rapid shifts with new products being released in response to AG49-B.
Before I get into the curr… Read More
2022-11-28 17:30
A section 162 executive bonus plan is a way for business owners or companies to provide additional supplemental benefits to key-employees or executives of their choice in a manner that… Read More
2022-10-28 16:45
I was asked to investigate a life insurance policy recently by a CPA friend of mine. The client, who I assume is the insured, was concerned that the policy premium is scheduled to incr… Read More
2022-09-21 13:38
Planning for Retirement
Most of your clients want to retire at some point in the future. When they choose to retire and how much money they need at retirement differs from person to p… Read More
2022-08-05 16:00
Now that the flat tax rate for C-Corporations has reduced to 21% (from as high as 35%) thanks to the Tax Cuts & Jobs Act, split dollar plans have once again become an attractive so… Read More
2022-06-08 16:50
Business owners might think of life insurance as a tool just to protect their family, but life insurance can serve more purposes than just basic protection. Setting up a key-person pol… Read More
![Top 3 Tax Strategies For Business Owners [2022 Update]](https://cdn.blogarama.com/images/posts_thumbs_site_id/13353/1335337-2559216236.w320.jpg "Top 3 Tax Strategies For Business Owners [2022 Update]")
2022-04-01 16:30
Tax Day is just around the corner. Which means there’s no better time than now to discuss tax savings strategies with the business owners you work with. At Advisors Resource w… Read More
2022-02-18 17:00
As an advisor, you know that your clients have very specific plans as to how they want to use their money in retirement as well as how they want to pass on their wealth after they d… Read More
2022-01-28 17:30
The Internal Revenue Service (IRS) has announced the 401(k) and IRA Limits for 2022. If you are working with business owners, this may present a new opportunity for you to tap into… Read More
![Top IUL Strategies For Pre-Retirees [2022 Update]](https://cdn.blogarama.com/images/posts_thumbs_site_id/13353/1335337-1942682772.w320.jpg "Top IUL Strategies For Pre-Retirees [2022 Update]")
2022-01-14 17:45
This post is an update from 2021
We’ve all heard the phrase, coined by Benjamin Franklin, “Only two things are certain in life: Death and Taxes.” I&rsquo… Read More
2021-12-05 20:57
With the year winding down and while you wait for the holiday season to pass, now might be a good time to start thinking about how you can make 2022 your best year ever. Many indepe… Read More
2021-11-19 18:30
Middle-income families in America say they recognize the importance of life insurance, yet many do not fully understand all the benefits it can provide Read More
2021-11-14 21:00
Whole life insurance has been around a long time… Its origins date all the way back to the 1760's. Whole life insurance dominated the market for decades until universal life… Read More
2021-10-20 16:05
Why would someone want to utilize a premium financing strategy? Premium financing is typically most beneficial to high-net-worth individuals or business owners. Premium Financing al… Read More
2021-09-14 19:47
In April the White House announced President Joe Biden’s “American Families Plan.” Within this proposed bill is a substantial increase to the top federal tax rate… Read More
2021-08-30 16:01
Business owners might think of life insurance as a tool just to protect their family, but life insurance can serve more purposes than just basic protection. Setting up a key-person… Read More
2021-08-05 19:07
We are working with life insurance carriers that have recently added the S&P MARC 5% (er) to their line of indexed products Read More
2021-07-19 19:23
Principal Financial Group is planning to cease their sales of both retail life-insurance and fixed annuity products to individual U.S. consumers. However, Principal Financial will c… Read More
2021-07-19 19:23
Principal Financial Group is planning to cease their sales of both retail life-insurance and fixed annuity products to individual U.S. consumers. However, Principal Financial will c… Read More
2021-06-29 15:05
Many business owners and entrepreneurs, like yourself, spend too much time working in their business rather than working on their business. You are pulled in many directions from: k… Read More
2021-04-27 22:21
This month the White House announced President Joe Biden’s “American Families Plan.” Within this proposed bill is a substantial increase to the top federal tax rat… Read More
2021-04-11 19:30
As of April 1st, certain life insurance carriers have started to allow their illustrations to reflect the new MEC limits in response to the Consolidated Appropriations Act, 2021 or… Read More
![Top IUL Strategies For Pre-Retirees [2021 Update]](https://cdn.blogarama.com/images/posts_thumbs_site_id/13353/1335337-1246216273.w320.jpg "Top IUL Strategies For Pre-Retirees [2021 Update]")
2021-03-07 22:00
Last year the COVID-19 pandemic resulted in a substantial blow to the economy. And now a year later restrictions stemming from the pandemic are still looming over us and many are gr… Read More
2021-02-07 23:00
Nearly a year ago now is when you probably first started hearing about COVID-19. Not long after, that the shutdowns started, and we were all told we should stay at home. During this… Read More
2021-01-31 23:00
I don’t have to remind you that pretty much everyone is uneasy as they transition into 2021. The uncertainty over COVID-19 that has persisted for the past year as well as the… Read More
2021-01-26 22:08
At the end of last year, there was a pleasant surprise in the COVID-19 Relief Bill, otherwise known as the Consolidated Appropriations Act, 2021 or CAA, 2021. Buried in this m… Read More
2021-01-17 22:30
We can all agree that almost no one enjoys taking life insurance applications. So much so that many advisors will avoid doing life insurance all together. They are long, they ask to… Read More
2020-12-13 23:00
After everything that has happened in 2020, I'm sure you're enjoying your time to relax and catch your breath during the holidays this month.
Enjoy it while you can, because 2021 i… Read More
![Pricing Changes Create New Protection Opportunities [2020 Update]](https://cdn.blogarama.com/images/posts_thumbs_site_id/13353/1335337-3676939966.w320.jpg "Pricing Changes Create New Protection Opportunities [2020 Update]")
2020-11-30 19:19
Life insurance plays an important role in any financial plan. There are a variety of life insurance products, but I want to focus on a recent trend towards Protection IUL/UL. Protec… Read More
![Issues That May Arise From Pure Death Benefit Products [IUL Vs GUL]](https://cdn.blogarama.com/images/posts_thumbs_site_id/13353/1335337-3175863329.w320.jpg "Issues That May Arise From Pure Death Benefit Products [IUL Vs GUL]")
2020-11-30 19:19
Life insurance plays an important role in any financial plan. There are a variety of life insurance products, but I want to focus on a recent trend towards Protection IUL/UL. Protec… Read More
2020-11-15 23:00
Given the substantial blow the economy has taken as a result of the COVID-19 Pandemic, as well as economic concerns stemming from the 2020 Presidential Election, many business owner… Read More
2020-11-08 23:00
Almost all businesses have a person or a few people in the the business that are imperative to the success of the business. If something should happen to these people the business w… Read More
2020-11-04 19:00
Five of the Greatest Concerns Americans Face...
Throughout the entire election season, people on both sides of the political spectrum are concerned about their future. These concer… Read More
2020-10-21 14:34
Prior to the pandemic it seemed insurers and financial companies were questioning the value or need for external wholesalers. Generally the trend had been to utilize a help desk or… Read More
2020-10-08 14:08
Democratic presidential nominee Joe Biden has proposed a plan to change 401(k) retirement savings accounts. In his recently unveiled tax plan, the former vice president ca… Read More
2020-09-22 14:29
By now you may have heard about a class action lawsuit filed in Orange County last week against Pacific Life. The lawsuit addressed their IUL product - PDX. It was filed by a law fi… Read More
2020-09-17 12:02
Public Perception
With the entire country on edge throughout the COVID-19 pandemic, more and more Americans are realizing how uncertain their health could be. A large number of the… Read More
2020-09-10 22:06
Background
In the past ten years, we have experienced numerous tax law changes which have reduced personal income tax rates to the lowest marginal rated in over fifty years. At the… Read More
2020-09-02 15:19
Background
The NAIC adopted the Life Insurance Illustrations Model Regulation (#582) in 1995. The intent of this regulation was to make life insurance polices easier to compare and… Read More
2020-08-25 20:02
When it comes to selling life insurance, advisors know how important it is to choose the right BGA (Brokerage General Agent). A BGA is an independent entity that works with multiple insuranc… Read More
2020-08-20 15:10
In order to achieve your financial goals it is important to plan properly. You must start with a goal in mind—for example—long term financial security. From there, work… Read More
2020-07-27 20:45
Life insurance can be confusing for most people. When you first purchased life insurance, it all made sense. However, like most policyholders, you put the policy into a drawer, pay… Read More
2020-07-24 14:00
When Congress passed the Setting Every Community Up for Retirement Enhancement (SECURE) Act on December 20, 2019, it set into motion a law that would enhance every individual’… Read More
2020-07-15 14:00
There generally isn't a need for key person insurance unless a business owner has purchased life insurance for their employees at a major firm or corporation. Also called business l… Read More
2020-07-14 18:45
The first question I usually get when someone finds out that I am in the life insurance business is "How much life insurance should I have?" There are several ways one can answer th… Read More
2020-07-10 14:25
Insurance policies contain terminology that most people find uncommon. Insurance agents constantly tell people to read their policy, so they understand it, but most people find they… Read More
2020-07-08 16:00
When looking at life insurance, your clients need to make sure they buy enough coverage to provide for loved ones when they pass. However, life insurance beneficiaries also need to… Read More
2020-06-22 17:32
If you are in the market to purchase life insurance, now may be the best time to move forward. There are several factors that a prospective buyer should consider. Below, we'll explo… Read More
2020-06-16 02:38
Cash value life insurance is often misunderstood and often painted as a bad product. Much of the criticism centers around the cost of the coverage compared to term insurance. There… Read More
2020-05-25 15:30
Usually, life insurance is something purchased by an individual to protect loved ones. However, in many cases, insurance coverage can also be used as a means of providing additional… Read More
2020-05-20 04:59
As the US is dealing with the the effects of the Coronavirus, we are all being asked to practice social distancing and shelter in place due to the 'stay-at-home orders'. We all have… Read More
2020-05-18 17:52
For most of your clients, term life insurance is the simplest coverage option available. However, while a term insurance policy is easy to manage while active, what happens when it… Read More
2020-05-13 19:09
What if you could earn a tax break and incentivize your executive employees to remain with your business? You need to consider an executive bonus plan Read More
2020-05-08 16:40
When it comes to life insurance, a universal policy is usually an excellent option. It provides coverage for the life of your client, and it can accrue cash value along with the dea… Read More
2020-04-24 01:55
For many people, life insurance is a means of providing peace of mind for themselves and loved ones. However, individuals usually don't start thinking about buying a policy until th… Read More
2020-04-18 04:23
The business owner who is managing a successful, growing business usually has little time to attend to his or her own financial planning. To the extent one has done financial planni… Read More
2020-04-07 21:26
When it comes to retirement, it's never too early to start saving. Not only that, but individuals want to diversify their accounts so that they're not keeping all of the funds in on… Read More
2020-04-03 19:54
We are experiencing turbulent economic times recently. Once you combine the volatile equity markets with the historically low interest environment, people are looking for a safe pla… Read More
2020-03-28 16:36
One of the primary reasons people save money is to someday retire. It is the goal of most people to retire comfortably, and in some cases improve their current standard of living. T… Read More
2020-03-24 23:08
Choosing the right life insurance for individuals, or for clients requires a clear understanding of permanent vs. term life insurance. Your clients want to know how each type of ins… Read More
2020-03-23 18:45
When debating their options for financial and life insurance needs, some families may ask, “Why should I buy permanent insurance when I can buy term and invest the difference?… Read More
2020-03-16 13:30
When you offer life insurance to clients, do you discuss living benefits? Perhaps you feel that there is little reason to advocate for living benefits. Failing to explain living ben… Read More
2020-03-16 01:34
One of the biggest fears people face in retirement is running out of money. Even people with high savings have this concern. With the recent market swings due to the Corona Virus (C… Read More
2020-03-16 01:20
The Coronavirus (COVID-19) is having a tremendous impact on our country and President Trump has declared a national emergency. The stock markets have be rocked, and there have been… Read More
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