James Christie
James Christie | Here We Go Again – With A Twist
The story currently playing out in the bond and equity markets seems eerily similar to what we saw in 2008 and 2009. Significant volatility in the equity markets combined with declining interest rates and rate actions by the Fed. In…
James Christie | Policy Reviews – A Process to Follow
In my time in the life insurance marketplace I have seen thousands of policy reviews. It continues to be one of the most fruitful options available to producers looking to do what is right for their clients while also running…
James Christie | Review of Lincoln MoneyGuard III – The good, the bad, the ugly.
On September 16th 2019 Lincoln Financial Group launched a new version of their industry leading linked benefit life insurance product. We are all familiar with the MoneyGuard brand and the baseline structure of this product recently had its 25th anniversary.…
James Christie | Be Aware or Beware Part II
In my previous article titled “Be Aware of Beware – Part 1” we discussed the importance of truly understanding the underlying defaults setup in a carrier’s illustration system. We explored the “Minimum Non-MEC” solve and uncovered how at times it…
James Christie | The Art of the Cover Letter
Having a well thought out cover letter can have a drastic impact on the outcomes of the underwriting process. In the decade I spent at one of the largest life insurers, I had the opportunity to hear our underwriters speak…
James Christie | Be Aware or Beware – Part 1
In my previous article titled “Flip the Script-Solve for the Rate” I discussed a different way to go about illustrating and selling a non-guaranteed insurance product, specifically Indexed universal life for cash accumulation and income purposes. The steps to follow…
James Christie | What do you do?
I love this question. I had a pretty good answer when I worked at my previous employer. But now that I am in business for myself with a number of ventures going on at the moment, this has become a…
James Christie | Playing a Game of Risk: The IUL War Wages on
Risk is a strategy game of diplomacy, conflict, and conquest. Well two of those apply to our topic of discussion today. What is going on right now in the IUL marketplace is a war, there isn’t a better word, it’s…
James Christie | Help Wanted: Employ Your Retirement
Business owners are used to talking in terms of employees. They hire, fire, and manage employees as much as any other aspect of their business. This vernacular makes sense to them. What they don’t talk about every day is life…
James Christie | The Policy Purpose Statement
[et_pb_section admin_label="section"] [et_pb_row admin_label="row"] [et_pb_column type="4_4"][et_pb_text admin_label="Text"] One of the most difficult things in our business is setting proper expectations. The illustrations we use make this increasingly more difficult. A big reason for this is the illustration was never meant…
