If you have taken out a mortgage or obtained new automobile insurance in the last few years you have probably used an electronic signature (e-signature) platform. An e-signature provides both extraordinary convenience and the same legal standing as a handwritten signature, as long as it complies with regulations published by the National Institute of Standards and Technology (U.S. Department of Commerce). The beauty of e-signatures versus traditional wet signatures is that they can be executed portably and with ease via computers and devices. An insured can sign a document anywhere and anytime...
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17 March 2025
In recent years, microdosing has become an increasingly discussed topic, posing significant challenges to the underwriting of life insurance applications. While not yet widespread, microdosing is gaining mainstream awareness and warrants the careful ...
22 October 2024
Executive compensation and benefits have long been pivotal in attracting and retaining top-tier talent within organizations. As companies vie for the best leaders, they often employ a variety of incentives to make what they offer more appealing...
23 September 2024
Understanding the primary causes of mortality in the United States is crucial for several reasons, particularly concerning individual well-being and life insurance mortality. It's equally important to grasp the variables influencing mortality t...
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12 January 2026
Introduction Cancer continues to be one of the biggest health risks your clients face — and one of the leading drivers of life insurance death claims. Traditional screenings like mammograms and colonoscopies have absolutely moved the needle, but they...
15 December 2025
Picture this: you're sitting down with a client who knows they have a need for financial planning that includes life insurance, but is unsure about their next steps. Rather than leading with an overview of suitable products, you share an insight you ...
30 September 2025
Estate planning often conjures images of complex legal documents and difficult family conversations—but one of the most overlooked aspects is the tax landscape that awaits heirs after death. While much attention is paid to the federal estate t...
26 August 2025
A few years ago, we began one of our most popular blogs by writing, "If we had a nickel for every time a carrier suggested we spend more time showing life insurance as a supplemental retirement income strategy, we would have a ton of nickels. &n...
21 July 2025
Life underwriting has changed significantly in recent years with the use of Accelerated Underwriting (AU) and other tools, focusing on making life insurance faster and less invasive for applicants while maintaining reliable mortality outcomes. In add...