The long term care game plan
By staff WriterOnly use highly rated providers. Reference A. M. Best, Moody's and Standard and Poor's for credible ratings information. Examine multiple policies from various companies, but use those that allow clients to hire at home not only a lic
May 01, 2008
Prominent in the product mixEven with relatively modest advances in product development over the years, term life insurance has managed to hang onto a substantial share of the life insurance market. Term life sales grew 5 percent in 2007, during which overall U.S. individual
May 01, 2008
Panel Says Advisors Should Ask Clients Tough Questions On Saving"There is a problem in this country and it is called consumerism," warned Jeff Daniher, a certified financial planner with Ritter Daniher Financial Advisory, Cincinnati.
May 01, 2008
A permanent spin on term lifeStrip a permanent life insurance policy such as universal life of its ability to accumulate cash value and what's left is a product that offers the policyholder a guaranteed death benefit to age 100, yet costs only slightly more than a term
May 01, 2008
The laundry listA home office should be set up to function like a traditional office. Everything the advisor can accomplish in a corporate office should be doable in a home office, too. To make that happen, senior advisors who decide to work from home should think
May 01, 2008
Storage space-saversAnyone who has had to save copious amounts of paper knows the frustration that mounts as storage space dwindles. That becomes even more apparent to someone who works from a home office. Bob Adams, owner of A Safe Harbor in Winter Park, Fla., knows
May 01, 2008
The long term care game planOnly use highly rated providers. Reference A. M. Best, Moody's and Standard and Poor's for credible ratings information. Examine multiple policies from various companies, but use those that allow clients to hire at home not only a lic
May 01, 2008
Sloan's teaching tips for advisorsEducate clients on their financial outlook and your plans for them. Don't be in a hurry to close the deal. Study the client's needs and determine the biggest holes in their financial situation and how to fix them. Work to eliminate your client's
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