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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)

  • 20% More Coverage For The Same Price? (12/2/2019) - 20% More Coverage For The Same Price? What if there was a way to increase your clients’ permanent life insurance coverage by 20%, without increasing their premiums? When a client needs permanent coverage, we typically illustrate a Guaranteed Universal Life (GUL) with no cash value. For the same premiums, a client could purchase: • 20% [...]
  • Sales Idea – Why Use Cash Value Plans For Key Person Policies? (11/25/2019) - Why Use Cash Value Plans For Key Person Policies? Businesses purchase life insurance on key employees to guard against the costs of replacing that person and the business production they represent should they pass away unexpectedly. These businesses typically purchase term life insurance policies to keep expenses low. Unfortunately those low expenses up front might [...]
  • Have you heard of the 35-35-35 Retirement Plan? (11/15/2019) - Have you heard of the 35-35-35 Retirement Plan? WHAT IS IT?   You probably know several retirement plans by their tax code number, the 401(k), 403(b), 412(i) and maybe even so-called 7702(t) plans. But what about the 35-35-35 plan?   Want to see this plan in action? Take a listen to this quick video, then [...]
  • When Does $100,000 Equal $1,000,000? (11/8/2019) - When Does $100,000 Equal $1,000,000? Did you know that if a 60 year old moves just $100,000 of assets to the right place today, it could save them $1,000,000 of medical expenses in retirement? • cover $1,000,000 of your client’s medical expenses for long term care in retirement • preserve $1,000,000 in assets under management [...]