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We're Retiring amzfinancial.com on Sept 3rd!

Posted by AMZ Financial on Tue, Aug 14, 2018 @ 01:02 PM

After many months of working through the merger between AMZ Financial and Partners Advantage, we will be bidding a fond farewell to www.amzfinancial.com. On September 3, we will be retiring the website and redirecting all traffic to a new and improved Partners Advantage website.

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Tags: amz financial, business management

Great American's Two New Annuities

Posted by AMZ Financial on Mon, Aug 13, 2018 @ 02:23 PM

Great American Life Insurance Company recently introduced two new annuities to their portfolio, the Premier Bonus and Premier Income Bonus. Here are some thoughts on how to position Great American, and understand the new annuities.

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Two Insurance Marketing Powerhouses Announce Merger

Posted by AMZ Financial on Mon, Mar 12, 2018 @ 09:30 AM

Two of the biggest Insurance Marketing Organizations (IMOs), AMZ Financial Insurance Services and Partners Advantage Insurance Services, today announced their definitive merger to further enhance and extend their insurance distribution network. The new company will be called Partners Advantage Insurance Services. The merger went effective March 1, 2018, with the companies planning to fully integrate by September 30, 2018.

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Carrier to Make Changes to Caps & Participation Rates Due To Market Conditions

Posted by AMZ Financial on Fri, Mar 09, 2018 @ 12:00 PM

Due to changes in market conditions, the life insurance industry has experienced a number of cap and participation rate reductions in recent months. While these changes have become common, it is important to note that not all carriers handle them the same. In some cases, carriers maintain caps for both new business and in-force, but in others, a carrier may lower caps on existing policies in order to keep higher caps on new policies to attract sales.

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Choosing the Best Life Insurance Carrier for Your Client's Policy

Posted by Mark Triplett on Wed, Feb 28, 2018 @ 12:00 PM

I’m often asked, “What is the best indexed universal life insurance policy?” The appropriate answer is not as simple as naming a manufacturer and their newest product. If I were to rephrase their question, I think it is best to ask, “How should I select a life insurance product for my client, and what key factors should I consider?”

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Tags: IUL

Best Life Insurance Product for Clients Focused on Wealth Accumulation

Posted by Scott Turner on Wed, Feb 14, 2018 @ 12:00 PM

There are many cash-value life insurance products for clients who are focused on protecting their loved ones, wealth accumulation and tax-free distributions. The differences between these products can significantly impact the wealth accumulation potential of the policies. Let's examine the various cash-value products available and determine the best life insurance product for this purpose. 

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Tags: IUL, planning

4 Ways Clients Can Use Life Insurance in a Retirement Income Plan

Posted by Mark Triplett on Wed, Feb 07, 2018 @ 12:00 PM

When I think of a retirement plan, the first thing that comes to mind is often the accumulation of assets and investing strategies. As a fiduciary investment advisor developing and implementing retirement income plans for my clients, I’d argue that investing is the easy part of the process.

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Tags: IUL, planning

Why IUL Cap Rates are Decreasing

Posted by Jason Konopik on Wed, Jan 31, 2018 @ 12:00 PM

You may have seen some pretty large industry movement in decreasing cap rates at carriers, especially in regards to Indexed Universal Life insurance (IUL). It seems like this is an industry wide issue and “carrier chatter” is really heating up across the board.

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Tags: IUL

How Your Clients Can Increase Future IUL Contributions

Posted by Scott Turner on Wed, Jan 24, 2018 @ 12:00 PM

As advisors, we often look at clients solely through the eyes of an illustration. We assume what a client looks like today will continue into eternity, instead of realizing that life changes over time. One example of this has to do with clients being able to afford higher contributions to an indexed universal life insurance (IUL) policy in the future than what they can afford today.

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Tags: IUL, planning

3 Ways Your Clients Can Benefit from the Tax Cuts and Jobs Act

Posted by Mark Triplett on Wed, Jan 10, 2018 @ 12:00 PM

The Tax Cuts and Jobs Act is in the books. It may be seen as a benefit to individuals as well as some business structures. It’s best to discuss with your clients how they can take advantage of the new changes.

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Tags: taxes

FOR PRODUCER USE ONLY. NOT FOR USE WITH CLIENTS.

This content is for informational and educational purposes only and is not designed, or intended, to be applicable to any person's individual circumstances. It should not be considered as investment advice, nor does it constitute a recommendation that anyone engage in (or refrain from) a particular course of action.