Curated Insurance Scenarios
A curated collection of insurance scenarios, designed to spark client conversations and support your sales strategy
Why Life Insurance Underwriting Feels Broken Right Now
⏲ 6 min read ⏲ If you’ve had a “clean” life case get kicked out, rated, or declined with zero logic lately, it’s not you — underwriting really is feeling broken right now. Between accelerated/AI…
Unlocking Cash Flow and Retention Strategies Under the One Big Beautiful Bill
⏲ 4 min read ⏲ Long-term care (LTC) isn’t just a line item in a financial plan — it’s a defining event in many families’ financial stories. Yet for many clients, it remains an afterthought…
Turning Data into Decisions: Using eMoney to Model Long-Term Care Planning
⏲ 4 min read ⏲ Long-term care (LTC) isn’t just a line item in a financial plan — it’s a defining event in many families’ financial stories. Yet for many clients, it remains an afterthought…
Underwriting Mental Health: Depression, Anxiety, and Bipolar Cases Explained
⏲ 4 min read ⏲ Mental health is one of the most frequent—and often most misunderstood—factors in life insurance underwriting. Depression, anxiety, and bipolar syndrome come across our desks daily. Yet while these conditions are…
The Overlooked Side of Long-Term Care: Homemaker Services, Family
⏲ 6 min read ⏲ Most people hear “long-term care” and picture wheelchairs, full-time nurses, and a facility calendar packed with Salsa Tuesdays. In real life, though, the first wave of care almost always starts…
Underwriting & the Rise of TRT, HGH, and Supplements
⏲ 4 min read ⏲ In the past few years, one of the fastest-growing underwriting trends we’ve seen isn’t around traditional conditions like diabetes or heart health
Breaking Down North American’s Secure Horizon IUL: Innovation, Flexibility, and Real Client Value
⏲ 4 min read ⏲ When a new IUL hits the market, the question advisors always ask is: Does this product really solve problems for clients, or is it just another illustration game?
Underwriting Shorts: Marijuana, Vaping & Nicotine – What Advisors Need to Know
⏲ 3 min read ⏲ When it comes to life insurance underwriting, the world of marijuana and nicotine use isn’t as black-and-white as it used to be.
A “Balanced” Approach to Accumulation IUL Case Design
⏲ 2 min read ⏲ The conventional approach to designing accumulation-focused Indexed UL strategies involves minimizing the death benefit.
Making the Case for Annuity-Based Asset-Based LTC Products
⏲ 7 min read ⏲ It’s tempting to use an “apples to apples” approach when considering the premium deposit used to fund an Asset-Based LTC solution.
The “Seasoned” Life Insurance Challenge Split Exchange
⏲ 2 min read ⏲ As clients age, they can find themselves in an enviable position: Their insurance assets have done what they were designed to do: Provide protection for their loved ones.
Split Annuity Solution Turns $300,000 into over $625,000 Overnight
⏲ 2 min read ⏲ Retired clients have a primary fear: Outliving their assets. This strategy addresses that fear on two fronts: Providing a growth opportunity while creating a benefit pool to tap should they…
