Smooth Sailing in Retirement With A “Life Hedge”

Do you have clients that just don’t “believe” in life insurance? Clients that would rather buy term and invest the difference? This may be the sales piece you have been waiting for. Sequence of returns is something I am sure you have heard discussed recently – here’s how it work – if you take a look at the SP 500 from 1973-2000, the market returned an average of 13.73%. Sounds pretty decent, but if the

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