Insurance Insight by DBS

The foreign-born population in the United States has been steadily growing since 1970—now representing a significant part of the nation’s fabric. Today, nearly 18 million children under 18 live with at least one immigrant parent, accounting for 26% of all U.S. children.As individuals and families from around the world settle in the U.S., they often encounter unique financial hurdles— from navigating unfamiliar systems to securing long-term protection. But with these challenges come powerful opportunities to build stability and legacy.Join our upcoming webinar to explore the evolving needs of the foreign national market. We’ll take a closer look at two key segments within this population, uncover the financial obstacles they face, and highlight how life insurance can serve as a strategic solution.In this webinar we’ll cover:Who are foreign nationals?Why is there a planning need?Where does life insurance fit in?How can you recognize opportunities in this market?Featuring:Kurt Fasen, LLIF, LUTCFExecutive Vice President, Sales & MarketingDBS, ModeratorVicente Pina, MBA, AEP, CLU, ChFC, FLMI, LLIFDirector, Advanced PlanningPrudential

Are you ready to supercharge your strategies and stand out in the competitive business life insurance landscape? Small to Mid-size Business (SMB) owners are offering more benefits and innovative solutions than ever before, proving that robust employee offerings can elevate recruiting, retention, and employee productivity. Each year the Principal Business Owner Insights survey asks business owners to rank their employee benefits and business owner solutions priorities. These insights reveal what SMB owners are doing and provides benchmarks for SMBs to prioritize their employee benefits package.Don’t miss our upcoming webinar—your backstage pass to what business owners really value and the essential ways you can champion their success by helping them turn ideas into powerful solutions.Here’s what you’ll discover in this high-energy session:The hottest trends and untapped opportunities in business planning techniquesInside perspectives on how business owners are adapting to economic uncertainty—and thrivingWinning conversation starters to engage and inspire business ownersProven solutions that deliver real results across diverse business needsAnd so much more!Level up your expertise, fuel your growth, and start making an even bigger difference for your clients. Reserve your spot today—success awaits!

The "One Big Beautiful Bill Act" (OBBBA), signed into law on July 4, 2025, finally settled the ongoing question of whether the tax rules from the 2017 Tax Cuts and Jobs Act would keep going or end in 2025. But, it's not just about keeping or ending those rules; the OBBBA also brings in new changes that financial advisors and their clients need to think about.In this webinar, join Terri Getman and Kurt Fasen as they dive into what the OBBBA is all about and share some tax planning strategies that clients can use now that the law is in place. We'll talk about the biggest new planning points that financial advisors should keep in mind, including:How the One Big Beautiful Bill will change the estate tax landscapeHow strategies like special needs trusts and charitable plans will be affectedThe possible long-term effects on business succession planningWhy making the 199A QBI deduction for pass-through entities permanent is a big deal for small business ownersWhat new planning ideas have come up because of the Connelly Supreme Court decisionThe main points of debate about the SALT deduction and how it could help people in high-tax statesA new type of account for kids called the Trump Account and its intended benefitsEXTRA: One Big Beautiful Bill Passes Key Committee VoteJust ahead of President Trump’s deadline the House of Representatives passed on Thursday July 3 the bill known as the “One Big, Beautiful Bill,” by a vote of 218-214, with every Democrat and two Republicans voting against it. The Senate narrowly approved the bill following a tie-breaking vote from Vice President Vance. The bill was signed into law on July 4th at an Independence Day celebration. Learn more about the key provisions every financial advisor should know.Learn More

We’re excited to have Matt Redick, Business Development Vice President with Nationwide Financial join us for our upcoming Sales Accelerators webinar series, designed to offer some quick hits for Life Insurance strategies. Matt will join Kurt Fasen, DBS EVP of Sales & Marketing to talk about two ideas that are really working in today’s environment. Learn about how to talk to your clients who may find it difficult to take action during uncertain times and how life insurance provides stability and tax advantaged savings in an overall financial plan. Also, learn about a strategy for your business owner clients that also can provide some tax advantages. The session will provide some case studies and a walk-through of some tools that make it easy to discuss the topic with your clients!Featuring:Kurt Fasen, LLIF, LUTCFExecutive Vice President, Sales & MarketingDBS, ModeratorMatt Redick, CLU, ChFC, CLTCBusiness Development Vice PresidentNationwide Financial

DBS recently named Tiffany Gross as its new VP, Chief Underwriter and with a new leader comes a fresh perspective on underwriting including some added perspective on what’s happening in the industry with respect to the underwriting process. Join this webinar to learn a little more about Tiffany and her approach to underwriting and what advisors can expect with a new Chief.We’ll cover:Recent Underwriting Changes in the IndustryAlternate Methods of Underwriting Being ExploredSpecific “Wins” in Underwriting with Case StudiesA Look at Field UnderwritingThe Future of UnderwritingFeaturing:Kurt Fasen, LLIF, LUTCFExecutive Vice President, Sales & MarketingDBS, ModeratorTiffany GrossVP, Chief UnderwriterDBS

There’s a disconnect for many Americans when it comes to life insurance, and a large majority are either uninsured or underinsured. In fact, 42% of American adults say they need (or need more) life insurance, representing a life insurance need-gap for about 102 million adults.* This makes it vitally important to include the life insurance conversation in all your planning meetings – whenever you get the chance. Sometimes, though, it can be hard to bring up the topic for a variety of reasons, or there can be objections on the part of the client.Join our webinar to learn about some natural ways to incorporate “the pivot” – a way to lean in, shifting the viewpoint of the client so they’re more open to the topic, and easing them in to understanding the need.Attend our webinar to gain insights on:The need to include life insurance in an overall portfolioCommon myths and perceptions about life insuranceHow to ask the right questionsWhere to find the openingsDeveloping your own pivot statement* LIMRA 2024 Life Insurance Barometer Study, July 2024Featuring: Kurt Fasen, LLIF, LUTCFExecutive Vice President, Sales & MarketingDBS, ModeratorMichelle Kosoi, CLTCField VP, Life Insurance Broad MarketPacific LifeScott Johnson, CLUField Vice President - Marketing Organizations, Life InsurancePacific Life