|
Why
Plan With An Adviser
Countless people rely on financial advisers to shepherd their investments
and guide their insurance decisions throughout life. Here are some
of the key factors in their reliance on this vital class of professionals:
Annuities
Financial advisers and agents sell 98% of all variable annuities.
Yes, 98%. Why?
- One, because clients advisers can explain how annuities work,
their multiple benefits and their fees.
- Secondly, because so many advisers make annuities part of the
overall plan to meet their clients' income needs throughout retirement
and to provide a family with a stream of continued income
Financial advisers are predicted to become even more popular due to:
- Burgeoning innovation in alternative investments and the growing
complexity of financial services.
- Retiring baby boomer's increasing demand for portfolio management
and income distribution advice.
Life Insurance
The value of financial advisers are supported in recent studies:
- Twenty-nine percent of Americans would discuss life insurance
with a financial professional if they could, yet three quarters
have no personal life insurance agent, financial adviser or planner.
- Seventy percent of Americans say they'd find it useful to review
their current life insurance policies' terms, provisions, and
options periodically.
- A third of Americans with life insurance wish they could review
their coverage every couple years, and nearly half wish they could
every five years.
Another study found that most respondents preferred to buy life insurance
through an insurance agent or other financial adviser, and considered
purchasing life insurance possibly the most important financial decision
of their lives.
Long-Term Care
The need for a financial adviser is highlighted by two facts:
- A recent survey found numerous respondents who believed they
had LTC coverage through their employers, Medicare or Medicaid,
but were not in fact covered for long term or nursing home care.
"Allow us
to help you achieve all of your goals"
|
|
