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Category · 2

Lines of business

Needs analysis by line: life, health, Medicare-age planning, disability, long-term care and annuities.

Lines of business · · 9 min

Annuity calculators and suitability: using estimates without skipping the best-interest process

How fixed, immediate and variable annuity calculators fit with the NAIC best-interest model (#275) and FINRA rules, and what they never replace.

Lines of business · · 9 min

Life insurance needs analysis methods compared: DIME, human life value and income multiples

Three ways to size life insurance need, compared for agents: what each method assumes, where it misleads, and which calculator fits which buyer.

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