Perm-Term Life Solution You’ve Been Missing

Deliver flexible Whole Life coverage with a fully convertible Level Term Rider

Meet the demand for protection and affordability and make more sales

Speed up your process with accelerated underwriting + instant decision

LEARN HOW ON PAGE 19

ANNUITY

32 Explaining the nuances of annuities to clients

By John Forcucci

In The Field

22 Standing in the gap

By Susan Rupe Chinyere

Interview

6 Winning with words

Clients may be impressed with an advisor’s knowledge, but what they really want is an advisor who listens to them and cares about them. Mary Schmid, author of Make or Break Conversations, teaches the guiding principles for communicating in ways that matter.