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The DOL 84-24 disclosure statement covers issues such as:
Product Recommended
Relationship with Carrier
Compensation Received
Conflicts of Interest (failure to disclose a material conflict of interest is considered a misleading statement)
Product fees, charges, discounts, penalties or adjustments
Disclosure Statements must be retained in your client records for six years. Some carriers may require the statement be attached to the application.
You must complete a Professional Report/Producers Report (Each carrier will have their own specific form)
Articles
  • Understanding Disability Insurance In About A Minute (2/20/2018) - You depend on your income for everything, the big things like home, car, student loans, medical and retirement. You also depend on it for the little things in life. Like cable, cell phones, fitness and clothing. That income can add up to quite a bit over a person’s working career, that’s a lot of money […]
  • Ready for a change? (2/13/2018) - Have you been watching the financial markets lately? It seems that volatility has returned in a big way which is great for CNBC. However, it can be a little scary for most of our clients. It’s also a good time to discuss crediting strategies for indexed annuities. The S&P 500 point to point options have […]
  • John Hancock – SmartProtect Term with Vitality Update (2/9/2018) - As many of you may know, John Hancock’s Term portfolio is one of the fastest growing term franchises in the industry, with our popular John Hancock Term and John Hancock Term with Vitality products performing well in the market. We are committed to remaining an industry leader in this space by continuing to deliver highly competitive […]
  • (2/8/2018) - Fidelity & Guaranty has issued their latest newsletter. To view the News Updates, click here.