 I just thought that now would be a good time to remind ourselves as to what keeps our clients up at night. I am confident that most of your clients have at least one of these worries: Loss of Income...As we get older, the size of the "pile of our money" is less important when compared to the income it will produce and the length of time it will continue. Sometimes with age we regress. Early on, we wanted to know what the monthly payment for that car, house, etc. was. Now we want to know what the monthly income I can derive from my nest egg is. Loss of Life...Yep, really important. We all know that in the case of a married couple, the smaller social security check will go away at the death of a spouse. That will probably cause a problem. Maybe a life insurance policy will help ease the pain. And what about additional life coverage to pay for the final expenses? We can ease the financial burden if we play the cards right. Loss In The Portfolio...Sure, when we were all young and dollar cost averaging, a market downturn could be viewed as an opportunity. But what about if you are nearing or in retirement? I don't think so. The stakes are much higher, and a significant loss could severely impact your standard of living. Loss of Independence...The inability to do the activities of daily living is a big one. An assisted living community is expensive. Could it be time to present a long-term care solution? Maybe a life policy or annuity that has accelerated or enhanced benefits if your client is not able to perform 2 of the 6 activities of daily living? That may help... Legacy PlanningSure, we want to pass on what we have learned, and maybe a little bit of what we have earned. Remember, life insurance goes directly to the named beneficiary, bypasses probate and is free of federal income tax. Maybe it’s time to rollover unneeded assets for income into a Single Premium Life policy with enhanced benefits. I know that you are all aware of the big "L" issues. But, is your client? It is our duty to help. How can we help you, help them?
|
Archives
December 2024
Categories |
RSS Feed
Search Our Website to Find More Info, Tips, and Sales IdeasContact InformationOffice Address:
11611 N. Meridian Street | Ste 110 | Carmel, IN 46032 Phone: 1-877-844-0900 Fax: 317-844-4422 |
Quick Links
|
THIS WEBSITE IS INTENDED FOR AGENT USE ONLY. NOT FOR USE BY CONSUMERS.
INFORMATION CONCERNING COPYRIGHT INFRINGEMENT CLAIMS
The Ohlson Group, Inc. provides links from its website to various third party sites which may enable you to obtain locations and information outside of The Ohlson Group's control. The Ohlson Group, Inc. neither controls nor endorses such other websites, nor have we reviewed or approved any content appearing on them. The Ohlson Group, Inc. does not assume any responsibility or liability for any materials available at these websites, or for the completeness, availability, accuracy, legality or decency of these sites.
CLAIMS OF COPYRIGHT INFRINGEMENT
The Digital Millennium Copyright Act of 1998, as amended, (the "DMCA") provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that materials we host infringe your copyright, you (or your agent) may send us a notice requesting that we remove the material or block access to it. If you believe in good faith that someone has wrongly filed a notice of copyright infringement against you, the DMCA permits you to send us a counter-notice. Notices and counter-notices must meet the then-current statutory requirements imposed by the DMCA; see http://www.loc.gov/copyright/ for details. Notices and counter-notices should be sent to [email protected]. The Ohlson Group, Inc., (877) 844-0900. We suggest that you consult your legal advisor before filing a notice or counter-notice. Also, please be aware that there are penalties for false claims under the DMCA.
The Ohlson Group Inc, and or Joseph R. Ohlson LUTCF is licensed to do business in all states except New York.
Privacy Policy
INFORMATION CONCERNING COPYRIGHT INFRINGEMENT CLAIMS
The Ohlson Group, Inc. provides links from its website to various third party sites which may enable you to obtain locations and information outside of The Ohlson Group's control. The Ohlson Group, Inc. neither controls nor endorses such other websites, nor have we reviewed or approved any content appearing on them. The Ohlson Group, Inc. does not assume any responsibility or liability for any materials available at these websites, or for the completeness, availability, accuracy, legality or decency of these sites.
CLAIMS OF COPYRIGHT INFRINGEMENT
The Digital Millennium Copyright Act of 1998, as amended, (the "DMCA") provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that materials we host infringe your copyright, you (or your agent) may send us a notice requesting that we remove the material or block access to it. If you believe in good faith that someone has wrongly filed a notice of copyright infringement against you, the DMCA permits you to send us a counter-notice. Notices and counter-notices must meet the then-current statutory requirements imposed by the DMCA; see http://www.loc.gov/copyright/ for details. Notices and counter-notices should be sent to [email protected]. The Ohlson Group, Inc., (877) 844-0900. We suggest that you consult your legal advisor before filing a notice or counter-notice. Also, please be aware that there are penalties for false claims under the DMCA.
The Ohlson Group Inc, and or Joseph R. Ohlson LUTCF is licensed to do business in all states except New York.
Privacy Policy
Copyright © 2024 The Ohlson Group, Inc. All Right Reserved.