For centuries there has been a great debate over the right amount of life insurance. In fact, if you do a little bit of research on this topic, what you will find is a wide variety of professional opinions, books, studies, classes, and theories—all of which claim they have the answer to the million-dollar question: “How do you explain the ‘right …

One of the biggest challenges most financial professionals face is helping clients (and prospects) truly understand life insurance.  The harsh reality is that life insurance is a very complicated, misunderstood, and often overlooked piece of a comprehensive financial plan. The best solution I found is to make this difficult discussion an educational process – versus a sales process.  What most …

At best, your clients might have started their estate planning process by creating a will or trust. However, the harsh reality is that over 70% of Americans have no form of estate plan.