PFN Articles

Reps must now complete the Certification Form for Sales to Applicants Outside of Their Resident State (EF-054) if an applicant is buying a life or annuity contract outside the applicant’s primary residence state. See the instructions for how/when to complete it. (CLICK TITLE TO READ MORE)

Income Protection lies at the heart of what life insurance is all about. And yet, with today’s busy lifestyles, ensuring that income protection needs are met can sometimes be overlooked. (CLICK TITLE TO READ MORE)

In an effort to standardize how Indexed Universal Life (IUL) policies are illustrated and compared, the National Association of Insurance Commissioners (NAIC), the U.S. standard-setting and regulatory support organization, has recently adopted Actuarial Guideline 49 (AG49). The first phase of requirements will be effective September 1, 2015. (CLICK TITLE TO READ MORE)

Few argue the need for interfamily relationship management. Why attempt to work with your clients’ children? They will be the largest-inheriting generation on record, plus many of them are high income earners with high COI potential. Not to mention, they want and need your advice. (CLICK TITLE TO READ MORE)

Looking to grow your business in the hottest market? Spreadsheeting isn’t the answer. Watch Transamerica’s John Oliver discuss why spreadsheeting is DEAD and how to Sell Smart to grow your sales. (CLICK TITLE TO SEE VIDEO)

Lower your client’s taxes and increase their overall retirement income using the new IRS rules on QLAC! (CLICK TITLE TO READ MORE)

Sales Idea – Lower your client’s taxes and increase their overall retirement income using the new IRS rules on QLAC! Read a discussion of the QLAC White Paper here. (CLICK TITLE TO READ MORE)

How many times have you heard about Chronic Illness and Long Term Care riders on life insurance? This is a huge industry trend, and for good reason – the traditional LTC market is quite unsettled but your clients’ needs remain. When people ask how these riders work, the answer is almost always, “Well, it depends on the carrier.” (CLICK TITLE TO READ MORE)

One Denver producer has taken this idea seriously and has netted over 200k in commissions for the last several years. He systematically finds current… (CLICK TITLE TO READ MORE)

PFN strives to be much more than a product provider. We want to also provide tools to help you be more valuable to your clients. As such, we’re providing some sales presentations for you to help focus on asking the right questions. (CLICK TITLE TO READ MORE)