OK, by now many have realized that there just isn't as much cash value in many life insurance policies to justify a replacement. How about reviewing your clients' coverage to see if they would be interested in better benefits from their life insurance? Instead of traditional "policy review" searching for 1035 money, talk to your clients about their needs and concerns.
As middle-America clients have aged you should find that the need for income replacement life insurance is diminishing and concerns for health care are growing. Perhaps your clients would be interested in life insurance that offers LTC-type coverage in lieu of or in addition to death benefit.
Old life insurance policies didn't offer these benefits. It's a good reason to review coverage.
There are many more LTC Planning Options today, from Traditional LTCi, to Linked-Benefit Plans, Accelerated Death Benefit & Living Needs Riders on ULs & IULs. It can be confusing, so we have created a spreadsheet to help you sort it all out.
Check it out Now!