Insurance Insight by DBS

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:PROTECTION: The death benefit can help loved ones maintain their standard of living and is generally income-tax-free for your beneficiaries.ACCUMULATION: The potential to build tax-deferred accumulation value that is protected from market downturns.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.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™.

The business market continues to be a big opportunity, but many advisors struggle with understanding what business owners need and therefore don’t know how to pinpoint the solutions that will work. Join our webinar for some interesting insight into business owners and what’s really important to them.Kurt Fasen talks with Corey Cox, of Principal Financial, about their 2024 Principal® Business Owner Insights survey, that asks owners of small and midsize businesses how they’re prioritizing plans for their business and employees. The results provide a snapshot of what’s important to them and the plans they have in place today. Use the tools, resources, and insights from the survey to help start the planning conversation with clients. This information can make it easier to talk with them about their business needs and subsequently suggest life insurance solutions that will be most helpful to them.In this session you’ll learn:Current trends and opportunities for business planning techniquesHow business owners are reacting to the continued uncertain economic environmentGood starting points for conversations with business ownersSolutions that really work – for a variety of needsAnd more!Featuring:Kurt Fasen, LLIF, LUTCFExecutive Vice President, Sales & MarketingDBS, ModeratorCorey CoxSenior Consultant - Business SolutionsPrincipal 

Would your clients like to pay more or less taxes in retirement? One would think that most people would quickly answer that they would like to pay less, yet the retirement planning those same people are doing may be giving them a greater tax exposure in retirement than they realize.Join our webinar to gain a better understanding of the role life insurance can play in retirement planning. The taxes your clients pay on their retirement income varies so it’s important to offer options that allow them to maintain balance and control in retirement. We’ll also talk about some strategies that financial professionals can implement in their practice to close more sales and provide more value to their clients.Featuring:Kurt Fasen, LLIF, LUTCFExecutive Vice President, Sales & MarketingDBS, ModeratorMike CoyleSales Vice President – Life BrokerageLincoln Financial Distributors, Inc  

Join this special session with Kurt Fasen and Kristin Ferguson, as they take a look at the life insurance industry today. Kristin will share some important developments in the life insurance industry, what may be on the horizon, and what you can do as a financial professional to keep pace in today’s world. Learn about the challenges currently facing financial professionals today, but along with that, the silver lining that is presenting itself as an opportunity. On top of that you’ll learn about how life insurance carriers like Securian – and DBS – are making it easier for financial professionals with electronic processing, enhanced processes, and new technology – including AI based solutions. Featuring:Kurt Fasen, LLIF, LUTCFExecutive Vice President, Sales & MarketingDBS, ModeratorKristin Ferguson, FSA, CFA, MAAASenior Vice President, Individual SolutionsSecurian Financial 

The 2017 Tax Cuts and Jobs Act (TCJA) made sweeping changes to the tax code that affected both businesses and individuals. Most of the TCJA provisions are scheduled to sunset at the end of 2025, and these changes have both income tax and wealth transfer implications. To shed some light on the topic, we’ve invited Tracey Ullom to join Kurt for a lively discussion. They’ll cover:What’s changing from the Tax Cuts and Jobs ActThe impact these changes will have on clientsLife insurance planning strategies after the SECURE ActTax Diversification in Legacy PlanningTax Diversification in Retirement PlanningAnd more!

Women are a significant and underserved demographic in life insurance, but many advisors struggle to connect with them and address their needs. There are over 54 million women in the US who say they need life insurance or more of it, according to the 2023 LIMRA/Life Happens Insurance Barometer Study. Joining our webinar will give you the tools and information that will enable you to help women make their mark and protect their legacy. Casey Castagna, RVP Business Development at Legal & General America joins Kurt Fasen to explore the importance of life insurance for women, the available tools to advance the discussion, and marketing campaigns that can help advisors on this topic.

Join us for a very special session featuring Kevin Kennedy, Senior Vice President, Sales and Distribution, Consumer Markets Division at Pacific Life. He’ll sit down with Kurt Fasen, DBS Executive Vice President for Sales and Marketing at DBS to discuss what he’s seen the past year in terms of life insurance sales, trends, and what we might expect in 2024. With an estimated 41% of American adults not having enough life insurance, there’s a great opportunity for financial professionals to step in, talk with their clients, and present appropriate options for protection.Learn about strategies that work to have those conversations and about how the industry is changing to make the process easier for advisors – and consumers.

On October 31, 2023 The U.S. Department of Labor introduced its proposed retirement security rule updating the definition of an investment advice fiduciary under the Employee Retirement Income Security Act. This proposed rule could jeopardize the retirement security of the very consumers it is intended to help. In fact, the DOL’s proposal is continuing to raise concerns among financial professionals, who point to issues such as higher litigation risk and rising compliance costs. Join our webinar to learn more about this – and what you can do to get involved!Featuring:Mark Cadin, J.D. George “Chip” Van Dusen IVTerri Getman, J.D., CLU, ChFC, RICP, AEP (Distinguished)Kurt Fasen, LLIF, LUTCF