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July's Objection

One of our readers recently encountered this objection:

"I don’t have enough assets to worry about estate planning."

Click Here to give your expert advice. Your answer may be printed in the next ASJ.

July's ASJ Poll

What has been your most popular life insurance sale in 2009?

	Term life
	Whole life
	Neither

Latest Insurance News

City seeks more bids for building materials - Duncan Banner »»

Life insurance policy riders worth looking at - Examiner.com »»

Johanns eyes subsidies for health insurance - Lincoln Journal Star »»

Banana Republic sale - Kansas City Star »»

Chuck Grassley: If You Want Good Health Insurance, Work For The ... - Huffington Post »»

VantisLife to Offer Life Insurance Products Through Astoria ... - PR Newswire (press release) »»

Health Reform That Works for Every American - Huffington Post »»

Advice needed on immediate annuity - Dallas Morning News »»

LTCI Resource Center
Here, find everything you need to get started in the LTCI market and take your practice to the next level, including updated state-by-state training and sales requirements, expert insights, and a plethora of essential resources for your business.

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2009 Life Insurance Selling Guide
Our exclusive guide to navigating today’s life insurance market is now available — use it to help build your practice today and in the long term.
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Combination Products
If your clients are concerned about putting money into a long term care insurance policy they may never use, you may want to let them know about special products that match annuities and life insurance with long term care riders.

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Is cash value life insurance a good savings vehicle?

If you have clients who need life protection for their families, is cash value life insurance a good savings vehicle to explore? Read on and find out!
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Where three types of annuities fit in a client's portfolio
In this article, the author positions three types of annuities on a risk/reward spectrum with three other popular financial products to show where they fit in a client's portfolio.
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Top Stories
How to Make the Most of Final Expense Insurance Within the insurance industry, final expense insurance is often an afterthought. However, the time for this simplified issue product, with face amount... Read More >>

Premium Financing: A Guide to Funding Your Client’s Life Insurance Purchases
Say you have a client with a legitimate need for a large amount of life insurance — $50 million, for example. Your client can definitely afford ...
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Are you LinkedIn? Making the Professional Social Networking Site Work for You
Social networking sites are becoming more and more popular, and there is certainly no shortage of options. But how can you decide which one is best fo...
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Stop Talking About Prospecting, and Start Doing Something about It
Yes, you read that headline correctly. Everyone’s talking about referrals, but whether the economy’s on an upswing or it’s crashing ...
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Web Exclusives
How to Plan for the Long Term and Flourish in a Turbulent Economy Don’t let bad news about the economy cloud your vision about the future of your agency. Sure, times are tough, but you can take practical steps ... Read More >>

Ensuring a Successful Marketing Campaign: 10 Steps to Building Your Practice
Consumers are reacting to the economic downturn by holding back on spending, and these cutbacks are driven by any number of situations, from a job los...
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Give Clients Options to Strengthen Their Benefits Program
Would it surprise you to learn that more than half of all U.S. workers don’t know what type of coverage their group health insurance provides fo...
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Helping Clients Recognize the Need for Life Insurance
How many people have sought you out to buy life insurance so that they can cross it off their to-do list? The likely answer is, “none.” ...
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How to Move Your Life Insurance Prospects Past Procrastination
Price is what you pay; value is what you get. More than one sage has dispensed this wisdom. And why is that? Because people buy goods and services for...
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Have a question about Medicare that you need answered by an expert? Submit it here, and a top industry professional may provide you with a response at ASJ’s new Medicare Resource Center. Launching in the next few weeks, the Medicare Resource Center will contain all the information you need to help your clients navigate the wide variety of Medicare options available. A constantly updated FAQ section on the site will provide answers to any Medicare question you need answered. Submit your question here. Looking for a new way to boost your LTCI sales? Find features dedicated to helping you improve your LTCI business, state-by-state training requirements and partnership state regulations, Web resources, live news, and more at this new business center. Click here to visit the LTCI Resource Center To help insurance professionals navigate the proposed rule 151A territory and make out their next step, Agent Media has partnered with NAFA to launch a Web site dedicated to providing information on the proposed rule and its implications. Along with extensive resource and news links, the site will host a forum where producers and wholesalers can share their knowledge, experience, and opinion on the issue. Click here to visit the 151A Resource Center ASJ podcasts feature hard-hitting interviews by Christina Pellett, managing editor of the Agent’s Sales Journal, with industry leaders on issues impacting today’s producers. Click here to visit our Podcast Center
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