Insurance Insight by DBS

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

One of the biggest challenges corporate leaders face today is how to recruit, retain and reward key talent. We’ve got a great opportunity to share that will bring a high-level insurance solution for your BEST corporate clients that helps solve this challenge, lead to significant revenue for you AND potentially protect your business from competition.The solution is a life insurance benefit for highly compensated employees that goes beyond the group term insurance plan. These plans are called Executive Carveout: Guaranteed type issue underwriting, no exams and it’s carved out just for the highly compensated employees. These solutions are designed with valuable features for employers and their leadership talent, so you can grow your business in the executive benefits market. DBS, partnering with Protective Life has the tools and information to make the process easy – every step of the way.Join our webinar to learn:Where to find the opportunityWhat executive carve-out is all aboutWhat the process looks likeCompanies and industries where this worksBenefits for the companyBenefits for the advisorFeaturing:Kurt Fasen, LLIF, LUTCFExecutive Vice President, Sales & MarketingDBS, ModeratorTom Hall, CLU, ChFC, CFPDivisional Vice PresidentProtective Life 

For many consumers one of the biggest barriers to getting life insurance is simply the idea of having that awkward conversation. Because no one really likes talking about death or finances, it can often be difficult for financial professionals to get that conversation going. This webinar will offer some tips and tricks for framing the conversation around protecting families and loved ones—things everyone can comfortably speak to.Join our webinar which will include:Talking points for overcoming objectionsWays to dispel myths surrounding life insuranceConversation startersSpecific markets that have unique concernsResources for facilitating the saleHow we can make it easier for YOUFeaturing:Chuck AndersonVice President, National SalesDBS, ModeratorCasey CastagnaRVP, Business DevelopmentLegal & General Advisor Hub: https://www.lgamerica.com/advisorCampaigns in a Box: https://www.lgamerica.com/advisor/prospecting/campaigns-in-a-boxMarketing Resources: https://www.lgamerica.com/advisor/resourcesTerm-2-Term Exchange: https://www.lgamerica.com/term-2-term-exchange-program

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:How a “trifecta” government may affect thingsAppointment ProcessPossible Tax Direction – TCJA? Others?ReconciliationImpact on Life Insurance StrategiesAnd more!Featuring:Kurt Fasen, LLIF, LUTCFExecutive Vice President, Sales & MarketingDBS, ModeratorTerri Getman, J.D., CLU, ChFC, RICP, AEP (Distinguished)Vice President, Advanced SalesDBS

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:The different options that exist in the marketplaceThe features and benefits of the different types of productsHow to advise on the best fit for your different clientsGeneral information about the future of long-term careAnd more!Featuring:Kurt Fasen, LLIF, LUTCFExecutive Vice President, Sales & MarketingDBS, ModeratorRob Johnson, CLTC, LTCPSales Vice PresidentLincoln Financial DistributorsKelly BjordalRegional Sales DirectorDBS