In this episode, we’re thrilled to introduce Heather Sprague, our new Underwriting Consultant with LIBRA and a true game-changer for your life insurance business. Heather brings years of experience navigating the ins and outs of underwriting—and she’s here to help you turn borderline cases into approved applications. Tune in to learn how Heather partners with advisors to strengthen submissions, avoid common pitfalls, and ultimately improve offer outcomes. Plus, she shares practical tips you can start using today to set your cases up for success. If you're looking to boost placement and protect more families, this is one you won’t want to miss.

We all know that you can’t time the market and when a client is entering the distribution phase of their retirement planning, this becomes an increased concern. In this episode, we take a deep dive into how utilizing an IUL allows your clients to strategically use the plan to fund their retirement. Adding a life insurance solution not only offers death benefit protection but also options and flexibility within their portfolio to navigate market fluctuations. By understanding the impact of market cycles and how asset location can impact retirement income, your clients can plan for the unexpected. Indexed universal life insurance (IUL) provides powerful tools to help safeguard your clients' portfolios with a tax-advantaged solution.

Case Study discussed in the episode

Through its partnership with LIBRA Insurance Partners, TBA has access to resources that make securing offers for its advisors and their clients even easier. RGA – a reinsurer – is one of those resources that TBA leans out for specific impaired risk cases to secure an offer in just 24 hours. John Felton, President of TBA, sat down with Aaron Baack, RGA’s Vice President of Underwriting, to discuss the unique opportunity this presents to advisors, how the process works, what impairments are most likely to get offers, and what carriers and eligibility face amounts and ages that are available through the program. For more information on how TBA and RGA can help you, contact TBA at info@tba.com or 865-588-9555.