The Inforce Certification provides a comprehensive understanding of the key aspects of life insurance policies once they are in force. This certification covers a range of topics related to policy services, technology, billing, changes, loans, and more. Participants will gain knowledge of how to manage policies post-issue, including understanding policy updates, billing processes, and critical policy changes. The course also includes guidance on the use of technology, such as online portals and software products, and addresses specific policy-related actions like reinstatements, conversions, and surrenders. It will also explore the financial implications of policy loans, collateral assignments, and premium financing. This certification is essential for those involved in life insurance policy administration and advisory services. Module Overview: Module 1 – Policy Services Overview This module provides an overview of the Policy Services Department (Inforce/Policy Holder Services) and its role in supporting advisors and policyholders’ post-issue. It covers key services like policy updates, payment changes, and reinstatements while highlighting the importance of confidentiality, strong customer service, and timely actions. Learning Objectives Understand the methods of policy delivery and the importance of retaining policy documents. Recognize how to request a duplicate policy when the original document is lost or destroyed. Explain the changes in how carriers provide duplicate policy documents. Understand the alternative options for accessing policy details, like carrier portals. Identify potential fees for duplicate paper policies if they are available. COURSE CONTRIBUTORS Leah Mahoney – EVP - Operations  Diversified Brokerage Services, Inc. Kim Wilcox – Head of Wealth Management Specialists  Guardian Life Sandra Giordano – Manager, Shared Services Ash Brokerage Cheryl Visconti– Operations Manager Gallagher Alaina R. Winson – Operations Project Manager Diversified Brokerage Services, Inc.   Read more

The Case Design Certificate equips case designers with the foundational skills and expertise required to excel in the life insurance sales process. Through this comprehensive program, participants gain knowledge in essential areas such as policy structure, tax law, and product design, while honing their ability to collaborate with financial advisors and carriers to deliver customized insurance solutions. The coursework emphasizes the role of creativity, attention to detail, and strategic thinking in providing optimal client outcomes. The Case Design Certificate is comprised of eleven online learning modules with mastery quizzes for each module. Module Overview: Module 11 - Service for Inforce Illustrations This module of the Nailba Case Design Certificate coursework focuses on the role of case designers in providing in-force illustrations and related services. It highlights the importance of understanding the performance of existing life insurance policies, utilizing in-force illustrations for evaluation and strategy adjustments, and exploring conversion opportunities from term to permanent insurance. Case designers are essential in guiding advisors and clients through these processes, ensuring that policies remain aligned with client needs and financial goals. Learning Objectives Understand the role of case designers in managing and providing in-force illustrations for life insurance policies. Learn how to evaluate the performance of existing policies and identify opportunities for term conversions to permanent insurance. Gain insights into the impact of premium adjustments, loans, and long-term care riders on policy performance and client strategy.   PROFESSIONAL DEVELOPMENT COMMITTEE Leah Mahoney,  – EVP - Operations, Diversified Brokerage Services, Inc. Chair Haley Chaires,  – Account Executive, Ash Brokerage Member Kim Wilcox, – Vice President of Operations, Innovative Underwriters Member Rachel Sanfilippo, – Operations Manager - Contracting & Licensing & New Business, Partners Advantage A Gallagher Group Member Amanda Singer, – Vice President, Crump Member Melinda Marcotte, – Head of Life New Business, MassMutual Member   COURSE CONTRIBUTORS Tiffany Markarian– Managing Director and Founder Advantus Marketing, LLC Jann Varner– AVP, Case Design Diversified Brokerage Services William Nalipinski– Regional Sales Consultant Securian Financial Group Karen Gilmore-Buxton– Sr. Product Specialist Lincoln Financial Group Kieth Gruchacz– Sr. Consultant Lincoln Financial Group Phil Jackson– Managing Director, Insurance Marketing Valmark Financial Group Ashley Orlinski– AVP Internal Sales LPL Financial Amber Castator– Sr. Relationship Case Manager Ash Brokerage Read more

The Case Design Certificate equips case designers with the foundational skills and expertise required to excel in the life insurance sales process. Through this comprehensive program, participants gain knowledge in essential areas such as policy structure, tax law, and product design, while honing their ability to collaborate with financial advisors and carriers to deliver customized insurance solutions. The coursework emphasizes the role of creativity, attention to detail, and strategic thinking in providing optimal client outcomes. The Case Design Certificate is comprised of eleven online learning modules with mastery quizzes for each module. Module Overview: Module 10 - Follow-Up Protocols to Generate New Opportunities This module of the Nailba Case Design Certificate coursework focuses on the importance of follow-up protocols when running illustrations to generate new business opportunities. Effective follow-up not only reinforces the case designer's commitment to the advisor but also enhances the likelihood of securing sales by demonstrating value and responsiveness. By implementing consistent follow-up practices, case designers can better understand advisor needs, address any concerns, and position themselves as proactive partners in the advisory process. Learning Objectives Understand the significance of follow-up in the case design process and its impact on securing applications and paid cases. Identify effective follow-up strategies, including the timing and methods of communication tailored to advisor preferences. Develop skills to address advisor objections, provide relevant training, and adapt to changing circumstances in the financial industry.   PROFESSIONAL DEVELOPMENT COMMITTEE Leah Mahoney,  – EVP - Operations, Diversified Brokerage Services, Inc. Chair Haley Chaires,  – Account Executive, Ash Brokerage Member Kim Wilcox, – Vice President of Operations, Innovative Underwriters Member Rachel Sanfilippo, – Operations Manager - Contracting & Licensing & New Business, Partners Advantage A Gallagher Group Member Amanda Singer, – Vice President, Crump Member Melinda Marcotte, – Head of Life New Business, MassMutual Member   COURSE CONTRIBUTORS Tiffany Markarian– Managing Director and Founder Advantus Marketing, LLC Jann Varner– AVP, Case Design Diversified Brokerage Services William Nalipinski– Regional Sales Consultant Securian Financial Group Karen Gilmore-Buxton– Sr. Product Specialist Lincoln Financial Group Kieth Gruchacz– Sr. Consultant Lincoln Financial Group Phil Jackson– Managing Director, Insurance Marketing Valmark Financial Group Ashley Orlinski– AVP Internal Sales LPL Financial Amber Castator– Sr. Relationship Case Manager Ash Brokerage Read more

The Case Design Certificate equips case designers with the foundational skills and expertise required to excel in the life insurance sales process. Through this comprehensive program, participants gain knowledge in essential areas such as policy structure, tax law, and product design, while honing their ability to collaborate with financial advisors and carriers to deliver customized insurance solutions. The coursework emphasizes the role of creativity, attention to detail, and strategic thinking in providing optimal client outcomes. The Case Design Certificate is comprised of eleven online learning modules with mastery quizzes for each module. Module Overview: Module 9 - Reinsurance This module of the Nailba Case Design Certificate coursework focuses on the reinsurance market and its significant influence on the case designer's role within the life insurance industry. Understanding various reinsurance structures is essential for optimizing risk management and pricing strategies, as it enables case designers to recommend effective solutions that align with clients' needs while managing the associated risks. By comprehending the intricacies of reinsurance agreements and market dynamics, case designers can enhance their ability to support clients, particularly those seeking substantial life insurance coverage. Learning Objectives Explain the role of reinsurance in managing risk within the life insurance industry. Identify different types of reinsurance agreements and their implications for product design and pricing. Assess how understanding reinsurance can optimize the case designer's strategies in providing coverage for high-net-worth clients.   PROFESSIONAL DEVELOPMENT COMMITTEE Leah Mahoney,  – EVP - Operations, Diversified Brokerage Services, Inc. Chair Haley Chaires,  – Account Executive, Ash Brokerage Member Kim Wilcox, – Vice President of Operations, Innovative Underwriters Member Rachel Sanfilippo, – Operations Manager - Contracting & Licensing & New Business, Partners Advantage A Gallagher Group Member Amanda Singer, – Vice President, Crump Member Melinda Marcotte, – Head of Life New Business, MassMutual Member   COURSE CONTRIBUTORS Tiffany Markarian– Managing Director and Founder Advantus Marketing, LLC Jann Varner– AVP, Case Design Diversified Brokerage Services William Nalipinski– Regional Sales Consultant Securian Financial Group Karen Gilmore-Buxton– Sr. Product Specialist Lincoln Financial Group Kieth Gruchacz– Sr. Consultant Lincoln Financial Group Phil Jackson– Managing Director, Insurance Marketing Valmark Financial Group Ashley Orlinski– AVP Internal Sales LPL Financial Amber Castator– Sr. Relationship Case Manager Ash Brokerage Read more

The Case Design Certificate equips case designers with the foundational skills and expertise required to excel in the life insurance sales process. Through this comprehensive program, participants gain knowledge in essential areas such as policy structure, tax law, and product design, while honing their ability to collaborate with financial advisors and carriers to deliver customized insurance solutions. The coursework emphasizes the role of creativity, attention to detail, and strategic thinking in providing optimal client outcomes. The Case Design Certificate is comprised of eleven online learning modules with mastery quizzes for each module. Module Overview: Module 8 - Complex Case Design This module of the Nailba Case Design Certificate course work focuses on equipping case designers with the essential skills and best practices needed for handling complex case designs. It categorizes complex cases into business insurance, premium finance, loan rescue, and resources, emphasizing the importance of understanding economic and tax law changes in these contexts. Key topics include business continuity, employee retention strategies, and effective questions to guide case design, alongside an introduction to available resources that support case designers. Learning Objectives Understand the different categories of complex case designs and their implications. Identify key concepts in business insurance, including buy-sell agreements and employee retention strategies. Utilize available resources and best practices to develop effective solutions for complex case scenarios.   PROFESSIONAL DEVELOPMENT COMMITTEE Leah Mahoney,  – EVP - Operations, Diversified Brokerage Services, Inc. Chair Haley Chaires,  – Account Executive, Ash Brokerage Member Kim Wilcox, – Vice President of Operations, Innovative Underwriters Member Rachel Sanfilippo, – Operations Manager - Contracting & Licensing & New Business, Partners Advantage A Gallagher Group Member Amanda Singer, – Vice President, Crump Member Melinda Marcotte, – Head of Life New Business, MassMutual Member   COURSE CONTRIBUTORS Tiffany Markarian– Managing Director and Founder Advantus Marketing, LLC Jann Varner– AVP, Case Design Diversified Brokerage Services William Nalipinski– Regional Sales Consultant Securian Financial Group Karen Gilmore-Buxton– Sr. Product Specialist Lincoln Financial Group Kieth Gruchacz– Sr. Consultant Lincoln Financial Group Phil Jackson– Managing Director, Insurance Marketing Valmark Financial Group Ashley Orlinski– AVP Internal Sales LPL Financial Amber Castator– Sr. Relationship Case Manager Ash Brokerage Read more

The Case Design Certificate equips case designers with the foundational skills and expertise required to excel in the life insurance sales process. Through this comprehensive program, participants gain knowledge in essential areas such as policy structure, tax law, and product design, while honing their ability to collaborate with financial advisors and carriers to deliver customized insurance solutions. The coursework emphasizes the role of creativity, attention to detail, and strategic thinking in providing optimal client outcomes. The Case Design Certificate is comprised of eleven online learning modules with mastery quizzes for each module. Module Overview: Module 7 - The Impact of Tax Law on Case Design This module of the Nailba Case Design Certificate course work focuses on the critical role of tax law in shaping effective case design strategies for life insurance products. It explores how tax regulations, such as IRC 7702, dictate product structures and create opportunities for tax advantages, emphasizing the importance for case designers to stay informed about ongoing changes in tax legislation. The module also highlights strategies for optimizing case designs to ensure compliance and favorable treatment under tax laws while addressing the implications of both lifetime gifts and estate planning. Learning Objectives Understand the impact of tax law, specifically IRC 7702, on life insurance product design and the necessity for compliance to retain tax advantages. Identify key tax advantages and implications of various life insurance policy designs, including MEC classifications and cash-rich testing. Explore estate planning strategies and their significance in enhancing tax efficiency for life insurance and related financial products.   PROFESSIONAL DEVELOPMENT COMMITTEE Leah Mahoney,  – EVP - Operations, Diversified Brokerage Services, Inc. Chair Haley Chaires,  – Account Executive, Ash Brokerage Member Kim Wilcox, – Vice President of Operations, Innovative Underwriters Member Rachel Sanfilippo, – Operations Manager - Contracting & Licensing & New Business, Partners Advantage A Gallagher Group Member Amanda Singer, – Vice President, Crump Member Melinda Marcotte, – Head of Life New Business, MassMutual Member   COURSE CONTRIBUTORS Tiffany Markarian– Managing Director and Founder Advantus Marketing, LLC Jann Varner– AVP, Case Design Diversified Brokerage Services William Nalipinski– Regional Sales Consultant Securian Financial Group Karen Gilmore-Buxton– Sr. Product Specialist Lincoln Financial Group Kieth Gruchacz– Sr. Consultant Lincoln Financial Group Phil Jackson– Managing Director, Insurance Marketing Valmark Financial Group Ashley Orlinski– AVP Internal Sales LPL Financial Amber Castator– Sr. Relationship Case Manager Ash Brokerage Read more