Join our presentation to learn some important concepts that might help you think a little more creatively when it comes to beginning the conversation around Life Insurance and LTC planning with your clients, regardless of their age. We’ll talk through the need for proper planning for retirement, and then lay out the opportunities, looking at a quick overview of three different life stages your clients typically go through. We’ll talk about the opportunities and product solutions for each particular stage and include some helpful case studies and some tips on what really works for each stage. You’ll leave the session with a better understanding of just where to start with your clients. Featuring:	Chuck AndersonVice President, National SalesDBS, Moderator	Channing T Schmidt, J.D., CFPRegional Vice PresidentSecurian Financial Group Tim GohRegional Vice President – SecureCareSecurian Financial Group

Retirement Planning: Life Insurance and LTC Strategies that Really Work - for Any Stage

For nearly 50 years, Prudential has been investing in the Black community. Blueprints to Black Wealth continues to build and expand on that commitment. Our upcoming session will give you the tools and information to help you be a champion for Black Americans’ financial security. We’ll share the principles from the Blueprints to Black Wealth strategy to help clients build and sustain generational wealth. The insights and high-impact sales content is based on rigorous research to empower you to deliver effective financial strategies. In this session we’ll cover: <ul><li>The four pillars of Blueprints to Black Wealth</li><li>Myths vs. realities surrounding black wealth</li><li>How to start the discussion</li><li>Understanding various personas to help navigate client needs and opportunities</li><li>Much more!</li></ul> Featuring: Kurt Fasen, LLIF, LUTCFExecutive Vice President, Sales &amp; MarketingDBS, Moderator Keita Cline, CLU, ChFCVice President, Business Development and Market ExpansionPrudential&nbsp;

Accelerate your Business by Engaging with New Clients

With election results in, Donald Trump will be sworn in as the 47th president of the United States in January, and Republicans will take control of both the House and Senate. As President-Elect Trump returns to the White House, many financial professionals may be wondering what a second term under him might look like, and how various planning strategies may be affected. DBS VP, Advanced Sales Terri Getman, J.D., CLU, ChFC, RICP, AEP (Distinguished) joins Kurt Fasen to unpack what we might expect in the new year, what to watch for with existing and future legislation, and what you can do now to prepare.Topics we’ll cover: <ul><li>How a “trifecta” government may affect things</li><li>Appointment Process</li><li>Possible Tax Direction – TCJA? Others?</li><li>Reconciliation</li><li>Impact on Life Insurance Strategies</li><li>And more!</li></ul> Featuring:Kurt Fasen, LLIF, LUTCFExecutive Vice President, Sales &amp; MarketingDBS, Moderator Terri Getman, J.D., CLU, ChFC, RICP, AEP (Distinguished)Vice President, Advanced SalesDBS

The Changing Political Landscape: Navigating a Second Trump Presidency

Long-Term Care Awareness Month continues throughout the month of November, so we’re spending the month highlighting the many aspects involved in the topic of long-term care. Our goal is to help advisors understand the need for long-term care coverage and how important it is to take time to understand what your clients might face. Whether you choose an Asset-Based Hybrid, or a Chronic Illness or Critical Illness Rider, the key is to have a plan.To help better dig into the importance of having a plan in place – any plan – we’ll be sharing some real life, personal stories. You’ll hear a situation where a plan wasn’t put in place, resulting in devastating effects. You’ll also hear about how easy it makes it for family members when a well thought out plan is implemented.Join our webinar to learn about: <ul><li>The different options that exist in the marketplace</li><li>The features and benefits of the different types of products</li><li>How to advise on the best fit for your different clients</li><li>General information about the future of long-term care</li><li>And more!</li></ul> Featuring:Kurt Fasen, LLIF, LUTCFExecutive Vice President, Sales &amp; MarketingDBS, Moderator Rob Johnson, CLTC, LTCPSales Vice PresidentLincoln Financial Distributors Kelly BjordalRegional Sales DirectorDBS&nbsp;

Long-Term Care Planning: The Criticality of Having a Plan in Place

Life has its ups and downs. Good times and bad. In 1960, a board game was introduced that has participants playing the game of life as they worked toward retirement. Back then, life expectancy was just under 5 years past the age of retirement, whereas today, life expectancy is just under the age of 80. So, the idea that life is over at retirement is just not valid anymore. Instead, we have to plan for things like experiencing a critical or chronic illness and requiring care. Join our webinar to learn more about how our client’s needs will change over the course of their life and how their “game of life” can change if they experience a life changing illness or event. Mark Berry and Jennifer White join host Kurt Fasen to also discuss the different facets of long-term care, its costs, and how to plan ahead for it with a long-term care or chronic illness rider. Featuring:Kurt Fasen, LLIF, LUTCFExecutive Vice President, Sales &amp; MarketingDBS, Moderator Mark Berry CLU, CFPVice President, Variable LifeJohn Hancock Jennifer White, CLTCAdvanced Markets, Director of Living BenefitsJohn Hancock

The Long-Term Game of Life

The life insurance industry continues to see tremendous change as technology develops and advances, and the needs of consumers adapts. In a post-pandemic age, underwriting and new business processes are continually being improved and shortened, which leads to more positive customer experiences. Susan Ghalili, a leader in underwriting transformation for many years, and Lori Walker, DBS VP and Chief Underwriter, will join Chuck Anderson to discuss their perspectives on industry underwriting innovations and how we can continue to build on this period of change.The webinar will cover: <ul><li>Current carrier underwriting strategies to enhance the customer journey</li><li>What advancements may still be to come in underwriting</li><li>Where we may see additional innovation</li><li>Overcoming client objections to the underwriting and application process</li><li>Tips for embracing change at all points in the buyer’s journey</li></ul> Featuring:Chuck AndersonVice President, National SalesDBS, Guest Moderator Susan GhaliliSenior Vice President, Underwriting Strategy &amp; Customer Journey, Chief UnderwriterPacific Life&nbsp; Lori-Anne WalkerVice President, Chief UnderwriterDBS

Life Underwriting and the Customer Experience

When it comes to succession planning, entity purchase agreements are a popular solution for business owners.&nbsp;Under an entity purchase plan, upon the death of an owner, the business buys the deceased owner’s shares, and to fund the obligation, the business frequently owns a life insurance policy on each owner. The recent June 6, 2024 Supreme Court decision in Connelly v. United States has raised concerns and created uncertainty, particularly for family-owned businesses that have stock redemption buy-sell agreements funded with business owned life insurance. In Connelly, the court included the life insurance death proceeds received by the business, thereby increasing the company’s value for estate tax purposes. The holding differs from prior precedent where the insurance was offset by the liability created by the purchase obligation under the stock redemption agreement. So, what should business owners with stock redemption/entity purchase buy-sell agreements funded with business owned life insurance do in a post Connelly world? This webinar will discuss the issues caused by the Connelly decision and offer three alternative solutions. The Connelly decision underscores the importance of strategic estate planning for business owners. The ruling presents a timely opportunity for advisors to shine by helping their clients steer the complex landscape of business succession planning. We’ll cover:<ul><li>Connelly Court Case Background</li><li>Doesn’t a Buy-Sell Agreement Fix Estate Value?</li><li>Lessons Learned from Connelly</li><li>What to do With Existing Insurance</li><li>Transfer-for-Value Problems in Changing to a Form of Cross-Purchase Buy-Sell</li><li>Three Solutions in a Post Connelly World</li><li>Book of Business Opportunities Now</li></ul>

Entity Purchase Buy-Sell Planning in a Post-Connelly World

Life insurance is often thought of simply as a tool that can help in the event of a death. But In addition to offering death benefit protection, indexed universal life (IUL) insurance policies also have the potential to build tax-deferred accumulation value based on interest received. So, it can create the opportunity for an additional source of funds that may be available to help your clients throughout life so they may be better positioned to respond to needs such as unplanned major expenses, helping with college tuition, or supplementing the lifestyle your clients want in retirement. Corey Luke joins Kurt Fasen to discuss how Indexed Universal Life provides: Join our webinar to learn about: <ul><li>PROTECTION: The death benefit can help loved ones maintain their standard of living and is generally income-tax-free for your beneficiaries.</li><li>ACCUMULATION: The potential to build tax-deferred accumulation value that is protected from market downturns.</li><li>FLEXIBLE ACCESS: Any available cash value that’s accumulated in your policy can be accessed via policy loans or withdrawals to help supplement college funding, retirement, or other financial needs.</li></ul> We’ll also share six potential diversified strategies using IUL and take a look at how various strategies would have performed at pivotal economic points in history. And, we’ll also talk about some exciting news about the Allianz product suite with the launch of Allianz Life Accumulator™.

Diversified Strategies Using Indexed Universal Life

Most days of the week it’s easy to find articles online, radio programs, or other featured segments talking about the importance of saving for retirement. However, it can sometimes be difficult to translate that information into easy-to-understand language when discussing with clients their own planning journey. We’ve invited Vern Carlson, with MassMutual Strategic Distributors to join Kurt Fasen, LLIF, LUTCF, Executive Vice President of Sales &amp; Marketing at DBS to share some tips for helping clients realize their need for saving and with that a better understanding of the role of life insurance plays in a balanced portfolio of accumulation and protection strategies.Join our webinar to learn about:<ul><li>A simple way to help clients understand the need for saving</li><li>The importance of managing risk present during the entire wealth management lifecycle</li><li>Dynamic spending</li><li>The power of introducing non-correlated assets</li><li>The importance of diversification</li><li>And more!</li></ul> Featuring: Kurt Fasen, LLIF, LUTCFExecutive Vice President, Sales &amp; MarketingDBS, Moderator Vern CarlsonNational Sales Manager, Life DivisionMMSD&nbsp;

Preparing Clients for Retirement: Understanding the Role of Life Insurance in a Balanced Plan

Tackling in-depth topics, digging deep into breaking news, and scouring the industry for the people who can give you the information you need as a financial professional. In these sessions, we give you the tools and analysis so you can better understand the products and solutions that will help YOU help YOUR clients.

Insurance Insight by DBS

Follow