Named one of the 20 Best Podcasts on Life Insurance

The chances are high that at some point your client will need long-term care, but having the conversation about it requires a different approach than a life insurance proposal.

Kevin Riley, Regional Director at OneAmerica, has been helping advisors have effective conversations about LTC for years, and now he’s willing to share some of those secrets with our listeners. This episode covers the following:

1. Client objections and how to overcome them
2. How to start the LTC conversation
3. Common Advisor mistakes during these discussions
4. Quick moniker reference to use as a reminder during these conversations

If you would like some LTC outreach materials, or to know the LTC options available through TBA, reach out to Kathryn Kinnane at kkinnane@tba.com.

Disability Income is crucial for many professionals, but one industry where it isn't a hard sell because they are educated about it's importance from the beginning is any medical field. We brought in our resident DI expert - Kathryn Kinnane - to talk DI, how to best approach medical professionals, what's needed for the most accurate quotes, and how much coverage they would need. 

DI Quote Request Form

If you're in need of DI assistance, reach out to Kathryn Kinnane at kkinnane@tba.com or 865-588-9555.

When it comes to business solutions - specifically guaranteed issue insurance for groups - the options can feel daunting. That's why we brought in two experts from Principal's business solutions team - Mark Householder & Tom Bates - to talk all things guaranteed issue term for groups. They joined our own John Felton to discuss the following questions:

• What is the ideal company/group for this product?
• Does this use level term, Annually Renewable Term, or are there options for each client?
• What type of financial professionals can find success with this product?
• Who handles the plan and policy administration and billing? Is there a cost?
• Can additional insureds be added to an existing group
• Could you discuss some of the more important qualifications for a group to qualify for guaranteed issue?

Product Overview

GI Inquiry Form

Sample Quote

Bonding Piece

Our in-house impaired risk specialist sat down to provide insights on what underwriting can look like for clients with heart issues that include:

• Heart attack history
• Heart murmurs
• Pace Makers
• High Blood Pressure
• & more

In this episode, she touches on what conditions receive more favorable underwriting or are typically declined. She also provides important questions you should be asking your clients with heart issues.

A new year brings new opportunities for life insurance advisors. What trends can you expect this year when it comes to life insurance? Michele Leeming, Relationship Director with LIBRA, discusses what advisors can expect when it comes to the types of products and coverages clients will be seeking and the future of underwriting.

For assistance with a life insurance case email info@tba.com

'Tis the season for giving, and that's why we have our vice president, Zach Gosselin, walk us through if your client can provide a charitable gift with life insurance, what the different options are, if there are tax implications, and what - if any - drawbacks there are to using life insurance for charitable giving.

Every December we celebrate TBA Awareness Month! John Felton sits down with Morgan Mynatt to talk about how TBA Awareness Month came to be, what three things advisors are most unaware of about TBA, and what is the #1 thing advisors should be more aware of when it comes to TBA and how they support advisors. If you have any questions about TBA or how TBA.com works, email info@tba.com. 

Over 11%, or more than 37 million Americans, have diabetes, and that number continues to climb. With the increasing number of those affected by this, we brought in our impaired risk specialist Jennifer Stanifer, to discuss all things diabetic underwriting. From what information you need from your clients, to what the best carriers are for the most favorable ratings. Contact Jennifer at jstanifer@tba.com or 865-588-9555 for a life insurance quote. Also, access the diabetes underwriting questionnaire here: https://www.tba.com/quotes-and-underwriting/impaired-risk-questionnaires/

Long-term care is likely one of the few topics clients come to their advisors about. With November being LTC Awareness Month, we brought on OneAmerica’s Kevin Riley, Regional Account Director, to provide perspective on why this coverage is so crucial, the cost of self-funding long-term care, and how to get started in the market if you’re an advisor who hasn’t branched into it yet. The reality is the cost of care is not getting smaller, and regardless of financial standing, all clients need long-term care coverage.

For a hybrid LTC quote, you can contact Kathryn Kinnane at kkinnane@tba.com or 865-588-9555.

Cost of Care Calculator: https://www.oneamerica.com/caresolutionscalculator/index.html

With the potential for the current estate tax cuts to sunset in January 2026, it has created more awareness around the importance of estate planning for many Americans. Zach Gosselin, who works closely with our advisors and our estate planning attorney partners, answers some common questions about this topic to help you - as advisors - provide the best solutions for your clients:

• What are the changes that are supposed to happen to estate taxes?
• Are their parameters for a client that make them the best fit for estate planning?
• What role does life insurance play in the estate planning process?
• How does an advisor get started with estate planning for their clients?

If you have questions about estate planning for your clients, you can contact Zach Gosselin at zgosselin@tba.com or 865-588-9555.

Many associate life insurance with death benefit, but what many fail to see is all the other possibilities available through life insurance - including helping fund retirement. John Felton discusses the various living benefits available through life insurance, when an advisor should recommend the options that involve retirement funding, and how to get started. 

For more information on how TBA supports advisors in the life insurance space visit www.TBA.com.

The Life Insurance industry took a more prevalent role in clients’ lives largely due to the pandemic, but is that still the case? Michele Leeming, LIBRA’s Relationship Director, discusses the current state of the industry, what products clients are purchasing, how the industry has changed in the last year, and how to overcome some of the barriers that advisors face when having conversations about life insurance. 

Resources mentioned in the episode:

• Meeting the Emotional Needs of Clients
• Request Support Form

Term conversions have been mentioned several times on the podcast, but we thought it was important to touch on some of the most commonly asked questions and misconceptions about providing this service to your clients. This episode covers:

1. Do you have to be the original writing advisor on a policy to convert it?
2. What is the easiest way to determine if a policy is or should be converted?
3. Next steps when a policy is deemed convertible
4. Can you earn commissions on conversion?

You've heard policy review mentioned many times in our episodes, but John and Zach take this opportunity to focus solely on policy review and:

• Why it matters
• How to offer it
• When it makes sense
• What policies should be reviewed

For access to the free policy review kit, visit: https://www.tba.com/policy-review/

When it comes to effectively engaging clients – it can be a challenge in any industry. However, the pandemic has created a new filter in the life insurance industry of what clients are looking for in their advisor, and that is, “who is really there for them?” Tiffany Markarian, the founder of Advantus Marketing, LLC, sits down with TBA’s Morgan Mynatt to dive into what an emotional need is, how to serve those emotional needs of clients, and most importantly actionable steps advisors can take. Taking this information and implementing it will improve overall conversations and even the solutions that you as advisors can provide to your clients.

Tiffany Markarian is an Award-Winning Marketing Strategist, Founder of Advantus Marketing, LLC, and an elite coach to wealth advisors and insurance professionals. She’s a frequent industry author and speaker, including FPA, NAPFA, FSP, NAILBA, and numerous broker/dealers. advantusmarketing.com

We are approached consistently by advisors about what questions they should be asking their business owner clients when it comes to succession planning in order to mitigate risk and provide comprehensive solutions. John and Zach sit down to discuss 5 questions you should be asking your business owner clients in order to do just that, as well as solutions that make the most sense based on their answers. Visit tba.com for more approach letters, tools to provide better numbers for your clients, and more.

John Felton sits down with Dr. Robert Frank, Medical Director for LIBRA Insurance Partners, to get Dr. Frank’s expertise and insight on the following when it comes to impaired risk cases in life insurance:

• How does Dr. Frank help advisors like you and brokerages like TBA in the impaired risk space
• Recurring impaired risk ailments that are worth challenging a carrier on for a better rating
• The #1 mistake advisors or insureds make when it comes to medical underwriting when applying for insurance
• What piece of advice Dr. Frank would give to advisors when they encounter impaired risk cases

For impaired risk questionnaires, to schedule a time to speak to TBA’s impaired risk specialist, or to get you in contact with Dr. Frank: https://www.tba.com/quotes-and-underwriting/impaired-risk-questionnaires/

This is a re-release of a 2022 episode.

In this episode, Vice President of Welcome Funds, Dan Ohman and TBA’s John Felton discuss the basics of life settlements, the tax implications, the overall process, and the sweet spot policies that make the most sense for pursuing a life settlement. TBA admittedly had shied away from the Life Settlements business when it first came on the insurance scene in the 90s, but now with more regulations in place, TBA welcomes the ability to assist advisors and their clients when it makes sense.

It's a question we hear time and time again: "Do I recommend buy-sell or key person for this business owner client?"

In this episode, John Felton and Zach Gosselin break it down:

• The key differences between key person vs buy-sell
• What scenarios each solution makes the most sense in
• The tax implications for the business or beneficiaries

For more information on how to provide the best risk management solutions for your business owner clients, click here.  

Steven Sitton, a leading insurance producer at the biggest independent insurance agency in Tennessee - TIS Insurance Services, sits down to discuss what life insurance solutions make the most sense in the current economic market. Beyond personal solutions and how he approaches that with clients, he also discusses the realities for business owners and protection for them as well. 

Resources mentioned in the podcast:

• Policy Review
• Term Conversion
• Hybrid LTC

The 2023 LIMRA/Life Happens Life Insurance Barometer Study has just been released. TBA's Marketing Manager, Morgan Mynatt, highlights the three surprising new target markets for life insurance that are highlighted in the study & most importantly how to reach them. 

The Life Insurance Barometer Study

SalesLink Information \ Schedule Demo

What are the top market trends we're seeing in the life insurance space right now? Zach Gosselin and John Felton sit down to highlight the top 4 and why you should be pursuing these planning solutions for your clients. In addition, they share some free resources available to you through carriers and TBA that will help you effectively illustrate the importance of these coverages, as well as what target market they make the most sense for. 

For more information on anything mentioned in the episode, or links to the resources mentioned, email info@tba.com. 

What if business owners were the owners of their own policies and could fund them to build cash as they thought appropriate? That’s what Mutual of Omaha calls the Living Benefit Buy-Sell because it is designed to produce living benefits in addition to providing a death benefit. TBA’s John Felton sat down with Mutual of Omaha’s Stephen Alloy to discuss this agreement structure, what, if any, are the taxable events in the long run, and when this makes the most sense for a business owner. For more information on the Living Benefit Buy-Sell, see the supporting materials below:

Living Benefit Buy-Sell Brochure

Living Benefit Buy-Sell Video

This is for informational purposes only.  Recommendations for financial product or financial strategies must be suitable for the individual based on their circumstances. Mutual of Omaha does not give tax advice.

When it comes to mirrored loans, what are some of the opportunities? Zach Gosselin sat down with Prudential’s Chuck Perrault to discuss what to do when your client’s policy has a loan last year. We've seen an uptick in requests for loan rescue this year, so we are rereleasing this episode.

The following questions get answered in this episode:

• How does a policy end up with an outstanding loan?
• What are the major implications a policyholder needs to understand if they currently have a loan existing in a permanent life insurance policy?  What are the client’s options?
• When an advisor is conducting a policy review and uncovers a policy with a loan, what are some of the most common situations you see where the policy can be repositioned into a new product for better long-term performance?
• What makes Prudential uniquely able to help your clients in this situation?

What financial regrets do you want to help your clients avoid? Zach Gosselin & John Felton sit down to discuss the top 5 financial regrets of Americans over 50 featured in this recent Barron's article and how to help your clients avoid them in the future.

For life insurance assistance: click here.

For Long Term Care solutions: click here.

For all other questions or advanced planning assistance visit TBA.com

Cancer doesn't mean a decline - most of the time. TBA's Impaired Risk specialist, Jennifer Stanifer, provides insights into which cancers are easily underwritten and which ones present more of a challenge. She also discusses which stages of cancer provide more favorable ratings from life insurance carriers. 

For the cancer questionnaire, to see all of TBA's impaired risk resources, and to schedule a time to discuss a cancer case with Jennifer: https://www.tba.com/quotes-and-underwriting/impaired-risk-questionnaires/

When it comes to long-term care, most people know (or should) that medicaid is not a viable option, which leaves many assuming that self-funding this large expense is the best option. However, TBA's Kathryn Kinnane sits down with Morgan Mynatt to discuss 3 major risks associated with this strategy and how insurance and financial advisors can present a better solution for their clients through hybrid long-term care and asset-based long-term care solutions. For a long-term care quote, you can reach Kathryn at 865-588-9555 or kkinnane@tba.com. 

What is the #1 marketing mistake that most advisors make? Morgan Mynatt, Marketing Manager for TBA, reveals what it is and the three steps you can take to avoid it. As mentioned in the episode, if you are needing free marketing materials to get started or to see how TBA can take the marketing burden off your hands, reach out to Morgan directly at mmynatt@tba.com. 

November is LTC Awareness Month, so we brought in our resident long-term care expert - Kathryn Kinnane - to sit down with John and discuss:

• The difference between traditional LTC & hybrid LTC products
• Some quick stats to get the conversation started with your clients
• When to have the LTC conversation with clients
• How to know what options are available

To request a long-term care quote, email kkinnane@tba.com or call her at 865-282-4920. 

In the theme of October, we're giving you four tricks to improve your clients' offers on life insurance and speed up the life insurance process altogether. Although we try to provide as many tips to help you throughout the year, these are actually four opportunities we haven't discussed before. So what are the four tricks? You'll just have to listen to find out, and at the end - let us know if you think they're tricks or actually treats. 

In this preview of the free Advisor's Life Insurance Playbook - Zach and Morgan sit down to discuss the empty nester target market. In addition to providing parameters of this group, they also discuss:

• Why it's important to market reviews to this group
• What solutions make the most sense
• How to approach this target market

All the information mentioned, as well as the fact finder, solution maps, and more, are available for free at tba.com/playbook 

Michele Leeming, Relationship Director with LIBRA Insurance Partners, sat down with Morgan to discuss Life Insurance Awareness Month, easy ways to continue the conversation year-round, and how advisors can finish the year strong in the life insurance space. For the digital platforms & marketing pieces mentioned in the episode, visit TBA.com.

LIBRA Insurance Partners is TBA’s marketing organization partner: librainsurancepartners.com

Zach Gosselin reviews three of our most recent case studies to provide you with inspiration for creative solutions to your client's most complex risk management issues. For more case studies, click here: https://www.tba.com/learning-center/

The faster the better is the way the world operates now, and the life insurance space is finally catching up. John Felton discusses the three fastest ways to write term business, and what parameters make each one the right choice for your clients:

- Vive

- SwiftTerm

- 1 Page App

For more information on these processes and products, email info@tba.com or call 865-588-9555.

You've heard us discuss policy review many times on this podcast, but advisors are still missing out on the opportunities available by offering this to their clients. John and Zach join Morgan to discuss recent cases where policy review could've saved a policy, opportunities that are available, when to offer a policy review, and most importantly how to get started. For all resources mentioned in the episode: https://www.tba.com/policy-review/

When it comes to mirrored loans, what are some of the new opportunities? Zach Gosselin sits down with Prudential’s Chuck Perrault to discuss what to do when your client’s policy has a loan:

The following questions get answered in this episode:

• How does a policy end up with an outstanding loan?
• What are the major implications a policyholder needs to understand if they currently have a loan existing in a permanent life insurance policy?  What are the client’s options?
• When an advisor is conducting a policy review and uncovers a policy with a loan, what are some of the most common situations you see where the policy can be repositioned into a new product for better long-term performance?
• What makes Prudential uniquely able to help your clients in this situation?

John Felton sits down with Dr. Robert Frank, Medical Director for LIBRA Insurance Partners, to get Dr. Frank’s expertise and insight on the following when it comes to impaired risk cases in life insurance:

• How does Dr. Frank help advisors like you and brokerages like TBA in the impaired risk space
• Recurring impaired risk ailments that are worth challenging a carrier on for a better rating
• The #1 mistake advisors or insureds make when it comes to medical underwriting when applying for insurance
• What piece of advice Dr. Frank would give to advisors when they encounter impaired risk cases

For impaired risk questionnaires, to schedule a time to speak to TBA’s impaired risk specialist, or to get you in contact with Dr. Frank, email jstanifer@tba.com.

As you strategize on how to end the second half of the year strong, John Felton and Zach Gosselin sit down to provide five solutions and opportunities to grow your life insurance business this year. 

Items mentioned in the episode:

1 Page App: tba.com/forms/1-page-multi-carrier-app/

Impaired Risk: www.tba.com/quotes-and-underwriting/impaired-risk-questionnaires/

Mobile App: www.tba.com/mobile-app/

Playbook: www.tba.com/playbook/

May is Disability Insurance (DI) Awareness Month, so we brought in our in-house DI specialist, Kathryn Kinnane. She breaks down the basics of DI, what is the ideal target market for it, and how to identify clients that need the coverage. To request your own DI quote: https://www.tba.com/quotes-and-underwriting/

What is the solution for small agencies that don't have the resources to consistently market life insurance? SalesLink is the solution that TBA has created for its advisors, and Dekalb County Insurance's Grant James joined Morgan to discuss his agency's experience with the service and why other advisors should consider it.

In this episode, Zach Gosselin, Vice President for TBA, breaks down what solutions and tools you will find in the Doctors & Medical Professionals' target market in The Advisor's Life Insurance Playbook. He also provides some insight into approaching this target market and what opportunities you should be looking for. Download the playbook at TBA.com/playbook

In this episode, Morgan gives a little insight into how TBA finds new opportunities with existing life insurance business for its advisors. Proformex, a data technology company committed to meeting the needs of those advisors and giving them the information they need to help their clients make data-driven decisions that will ultimately enhance their outcomes, is one of the proprietary softwares that TBA invests in to achieve that goal. Morgan and Proformex’s Max Posner discuss how the software works, why it’s so important for advisors and what new opportunities TBA is able to provide because of its functionality.

As medical marijuana is now legal in 48 states, and recreational usage is becoming more common and legalized across the country, it begs the question – what does that mean for users when it comes to life insurance underwriting? Carlan Snipes, Field Vice President for Pacific Life, sat down with Morgan to discuss how usage and even being a dispensary owner can affect the underwriting class for your clients. Pacific Life is one of our impaired risk specialist's preferred carriers in these scenarios, and in this episode, you will learn why.

For more information, visit TBA.com/podcast

All resources mentioned in this episode can be found in the Business Owner target market pages of the Playbook. For custom marketing pieces contact Morgan - mmynatt@tba.com.

Did you know that you can now quote and submit Cincinnati Life business on the Vive platform? TBA's Morgan Mynatt sat down with Joe Bevelhimer, Field Director for Cincinnati Life, to discuss why they joined the platform and what advisors can expect both in product offerings and in servicing their cases. Are you interested in learning more about Vive? Book a demo here: https://meetings.hubspot.com/mmynatt/vive-demo

In our first episode of the New Year - Morgan, John, and Zach discuss the 3 resolutions life insurance advisors should have in 2022. What are they? You'll just have to listen to find out!

Resources mentioned in this episode:

• Policy Review Kit
• The Advisor's Life Insurance Playbook
• 1 Page Application
• Mobile App
• SalesLink

Here are some of the clips that didn't quite make the cut in this season's episodes. End the year with a laugh...at our expense.

TBA's Morgan Mynatt, John Felton, and Zach Gosselin discuss what exactly TBA Awareness Month is, and why it came to be.

In addition, they highlight some resources that advisors can use to generate new life insurance business, as well as make their practices more efficient. 

Our in-house hybrid long-term care expert - Kathryn Kinnane - provides insight into why hybrid LTC is a solution for your clients, and which products TBA offers, as well as ways to present it that show just how effective it can be.

Hybrid LTC Case Study: https://bit.ly/3HzqDpw

Hybrid LTC Sample Comparison Quote: https://bit.ly/3qQBeGz

Hybrid LTC Products: https://bit.ly/3qS9YHO

John Felton and Zach Gosselin discuss life insurance solutions for protecting your small and large business owner clients, as well as using specific coverage strategies to retain employees. This episode covers several different options including: 

• Buy-Sell
• Key Person
• Term vs Permanent Coverage

Needs analysis, solution maps, case studies, and planning solutions mentioned in this episode for Business Owners, and other client demographics can be found in the free Life Insurance Playbook: Download Here

If you’ve been working with TBA for the last few months, then we’re certain you’ve heard us mention Symetra SwiftTerm a time or two. Symetra’s Brad Mills and Matt Straub joined us to talk through those who qualify for a process that can get your clients important term coverage in as little as 25 minutes, as well as how it works, some case studies, and the competitive pricing and coverage that your clients are able to get. As a reminder, in order to take advantage of this new uncomplicated process for term coverage, you must already be appointed with Symetra. Get more information in the episode & below:

Case Study: Inforce Coverage in 48 Hours

SwiftTerm Pre-qualifying Checklist

SwiftTerm Application Process

How Instant Approval Works

John Felton, president of TBA, sits down with Morgan Mynatt to discuss term insurance and why John has considered it "the lost sale." John talks about the opportunities that exist in term coverage that you have written on your clients, as well as ways to position yourself as an expert with your client's existing coverage that you did not write. 

The past year has certainly increased awareness of the necessity of life insurance. September is Life Insurance Awareness Month, and TBA's Morgan Mynatt took some time to sit down with LIBRA's Erin Finnegan to discuss ways in which advisors can capitalize on the heightened awareness and market resources that are available to them. 

In this episode, Zach Gosselin, Vice President of Sales for TBA, is joined by Brad Newcomb, Managing Director of TBA’s newest carrier available to advisors: MassMutual. In this episode, not only do Zach and Brad discuss MassMutual’s distribution into the independent brokerage space, but they also cover important products in MassMutual’s broad portfolio that fit specific scenarios that are common for TBA Advisors. From individuals to business owners, MassMutual’s products provide creative solutions to common problems faced by your clients. Listen in to find out which ones will work best for your book of business!

John Felton and Zach Gosselin, of TBA, sat down to discuss the variety of ways that advisors can grow their life insurance business with their existing book of business. You'll have to listen to find out the three simple ways that they can do this. 

John mentioned the Advisor Playbook, a new resource exclusive to TBA advisors, which provides not only a solution map but a needs analysis for the core target markets that TBA has seen the most in its decades in business. To request your own copy of the e-book, email Morgan at mmynatt@tba.com. 

Morgan Mynatt, Marketing Manager for TBA, took a few minutes to expound on a resource that TBA offers its advisors but that hasn't been mentioned much in the podcast thus far. SalesLink provides advisors with the opportunity to actively and consistently market the importance of life insurance without taking on any extra work. For more information on how SalesLink can help you, email mmynatt@tba.com. 

What if your clients cannot medically qualify for LTC or an LTC rider? John Felton, President of TBA, sat down with Dave Weber, Life Sales Director at Mutual of Omaha, to discuss the Life Protection Advantage or Income Advantage IUL products.  With these policies, the Chronic Illness rider is ALWAYS included, regardless of age, face amount, or rate class.  If Mutual of Omaha issues the life insurance contract, the insured will ALWAYS, automatically get the Chronic Illness rider.  That’s $1,000,000, or 80% of the DB, whichever is less, of Chronic Illness protection.  

Steven Sparks, Managing Partner of Capital Concepts Financial Group in Hickory, NC, joined our own Zach Gosselin on the Life Insurance Link Up podcast to discuss life insurance in the RIA space. You'll realize why we enjoy working with this group and how much they care about their clients' legacy. Even when life insurance isn't your primary business, but you care about your clients, then you know it absolutely has to be a part of their portfolio.

Jennifer Stanifer, Impaired Risk & Illustration Specialist, highlights the opportunities for your clients with diabetes. Just because your client has an existing medical condition, doesn't mean that they are going to be a decline. 

In this 5 Minute Fix episode, John Felton, talks about the benefits of the 1 Page App. Although, the obvious one is the time it saves advisors when it comes to submitting term and permanent life insurance, there are several others you may not have thought of yet. Listen in to find out what they are...

While we resume a new form of normalcy in 2021, and with the March Madness Tournament officially back on, our marketing manager Morgan Mynatt hopped on a call with the Managing Director of Advantus Marketing, Tiffany Markarian. They discuss the final four marketing strategies for this year, and the easiest way for advisors to differentiate themselves and be successful in marketing life insurance.

Ask and you shall receive! For all of those who provided feedback in our end-of-year survey, there was a resounding response that you wanted more advisor first-hand experience stories and we're excited to deliver more of that to you in 2021. Jon Hodges, part of the John Hackney Agency, sat down with our own John Felton, President of TBA, to discuss just how to make life insurance part of your planning cycle for your clients. This is worth the 15 minute listen!

Vive is the "fastest way to write term insurance," but don't just take our word for it. One of our agency partners, Wyatt Insurance Services, Inc.'s Avery Wyatt goes into three reasons why the platform has been an asset to their agency when it comes to successfully and quickly getting inforce term coverage for their clients.

Zach Gosselin, Vice President & Sales for TBA, talks you through how to capitalize on an opportunity when a client has a life insurance policy that you didn't write. Even if it doesn't put you in a position to write new coverage, it may build important trust with the client about your knowledge and expertise as their advisor. This is worth 5 minutes of your time!

John Felton, President of TBA, reflects on 2020 and the changes that we hope to make for our advisors as we move forward in 2021. Listen in and get inspired to make your own resolutions in the new year!

Do you have a client who is a tobacco or marijuana user? Jennifer Stanifer, TBA's Impaired Risk & Illustration Specialist, provides a quick rundown of the opportunities that currently exist with carriers and what type of ratings are available based on their usage.

65% of Americans today will need some form of long term care in their lifetime. November is LTC Awareness month, and Kathryn Kinnane dives into not only the differences between hybrid and traditional but also why it's so important for your clients to make the coverage a priority.

For many advisors, they stay away from term insurance because they feel it isn't a profitable way to do a business. At TBA, we know how to change this for our advisors. In less than 5 minutes, John Felton provides several ways to put more money in your pocket while securing better term coverage for your clients.

Lincoln Financial Group's Michael Deaton sat down with TBA's Morgan Mynatt to discuss business & life insurance in the COVID-19 world. There's lots of information covered in this episode:

• Current State of the Market
• Trends in Product Types
• Missed Opportunities by Advisors

As we enter into the final quarter of what might be the most strange year for the insurance business, Morgan Mynatt gives you three things to focus on in the final quarter to finish 2020 strong. 

Everyone is probably tired of hearing the phrase "unprecedented times," but unfortunately it's the reality we are in. It's also no secret the impact it is having across all industries. TBA's Morgan Mynatt enlisted Advantus Marketing's Tiffany Markarian to help us reevaluate how we are approaching clients right now & 3 things they want to hear from you.

Kevin Cox, a regional advisor for Lincoln Financial, joined our own Zach Gosselin to discuss the state of the current market and some advanced market opportunities that may prove beneficial in the current financial climate for your clients. Tune in to learn more!

Zach Gosselin, Vice President of Sales for TBA, sat down with Kasey Gammons & Randi Benash of LifeTrends to give you an overview of what bridge products are (hint: they aren't a product at all), why they are a valuable option for your client and some of the current industry changes. 

TBA's in-house disability income specialist, Kathryn Kinnane, sat down with Eugene Cohen of the Cohen Agency for a special presentation on Disability Income for Disability Insurance Awareness Month. 

Cohen discusses why DI is so vital, why it's important to revisit past or current coverage with clients, and scenarios in which it makes sense.

Michele Leeming, Agency Support with LIBRA Insurance Partners, joins Morgan Mynatt, Marketing Manager for TBA, to talk about how advisors can start phasing back into growing their business as the "Safer at Home" orders are being lifted. There's a lot to unpack in this episode, but here are the highlights:

• What should be your first focus?
• What are the two tools you should be taking advantage of?
• How has this impacted the industry now and in the future?
• What is the best way to approach marketing moving forward?

In our first 2020 episode about Vive with primary owner Jason Lea, we touched on Vive scores quickly. In this episode, TBA's Morgan Mynatt dives a little deeper into what the Vive score actually is, where the numbers come from and how it helps you and your client make the best choice for them now and in the future.

Not all products are created equal. TBA's John Felton, President, and Zach Gosselin, Vice President of Sales, sit down to discuss how to capitalize on previous term business by utilizing conversions. A conversion can be written on a policy that wasn't even written through your office or TBA's. Listen in to hear how to maximize this opportunity!

Contact TBA for the Client Pre-Approach Letter:

info@tba.com

865-588-9555

Morgan Mynatt, marketing manager for TBA, talks about just how fast it is to write term through Vive, and the success that advisors have seen from using it. Want to test it out for yourself? Get started here: www.tba.com/vive.

If you haven't heard of Vive yet, allow us to introduce it to you with Vive's own majority leader Jason Lea. TBA's Morgan Mynatt and Jason sat down to discuss all the ways that this new technology is beneficial to advisors and their clients.

It is revolutionizing term business is allowing you to provide it to your clients in a fast, easy and profitable way for you as well. 

To access Vive and see just how easy it is to add to your portfolio for clients visit TBA.com/Vive.

2019 is quickly coming to a close, and we want to make sure that you start off 2020 on the right foot! The average life insurance policy takes 74 days from start to finish. It is no wonder that financial advisors avoid it. TBA has discovered a way to make life easier and more efficient using technological advances, personalized support & focused expertise. In this week's episode, John Felton discusses some of the different resources and tools made available exclusively to TBA's advisors to make them more successful:

• Marketing Assistance
• TBA Mobile App
• SalesLink
• Policy Review
• 1 Page App

If you tuned in to our last episode, you heard John Felton and Zach Gosselin touch on the changes in the LTC market and specifically the emergence of LTC hybrid products as traditional LTC products became scarcer. 

This week, Felton, President of TBA, sat down with David Smitherman, Business Development Vice President for Nationwide, to delve deeper into some of the nuances of the hybrid LTC market and when certain products make the most sense for your clients' situations.

In this episode of Life Insurance Link Up, John Felton and Zach Gosselin join us again to discuss Long-Term Care (LTC), how the market has changed and what solutions benefit your clients the most. There have been many changes in the LTC market over the years, namely that just standard LTC coverage is essentially obsolete. Zach and John touch on how LTC is still a need for your clients, but that the product offerings now are actually better and provide more benefits to your clients overall.

This episode we are diving into the focus of September - Life Insurance Awareness Month (LIAM). Morgan Mynatt, our marketing manager, talks about some of the statistics surrounding leads and life insurance and the best ways to market life insurance to your book of business. 

For all things LIAM: https://lifehappens.org/

For more info on TBA: https://www.tba.com/about/our-story/

For marketing packages: https://www.tba.com/marketing-packages/

John Felton, President of TBA, and Zach Gosselin, Vice President of Sales, sit down and discuss Policy Review and what that means for your book of business. TBA teaches you how to find opportunities with existing clients and also how to approach a client for this type of analysis. Adding this simple solution to your approach with new and existing clients can not only have a positive impact for them long term but can also have a positive effect on your profitability. 

Click here for the Policy Review kit mentioned in the episode. 

Click here to reach out to TBA directly with any questions.

This is the first episode of the Life Insurance Link Up podcast brought to you by TBA. TBA has been in the life insurance business since 1959, and this bi-monthly podcast will cover important information on how to grow your insurance business, as well as quick and easy marketing tools you can implement to make you more effective.