Optifino Logo CMYK_White-3

Life insurance for every life stage.

Learn how to navigate and design for the different strategies across the Wheel of Life.

Work with us
Download

Summary

1. Understand the different life stages that impact goals and financial strategy.

2. Develop a framework for integrating permanent life insurance into a holistic financial plan.

3. Explore different ways the spectrum of life insurance products can be applied to meet specific financial goals.

Background

With the life insurance industry constantly introducing new innovations—currently over of one million possible policy permutations and counting—advisors and their clients need help understanding the many benefits of different products for their goals and tools to help tailor policies for those goals. 

This framework offers a comprehensive guide to navigating different each life stage, equipping advisors with insights to serve clients with more personalized and holistic plans. While the Wheel Of Life is not a one-size-fits-all playbook solution for any life stage, it is a helpful framework to begin thinking about potential strategies, upon which additional policy tailoring is needed. We see more smaller and simplified policies sold to these consumers, who seek investment protection in a volatile equity market environment. 

More on Life Insurance...

The Importance of the Annual Policy Review

The hidden dangers in life insurance policies could be costing thousands. How an annual review saves money and accomplishes financial goals.

Read More

The Spectrum of Permanent Life Insurance Products

Permanent life insurance policies differ slightly in their design and function, but all have the same main attributes: they are intended to last the lifetime of the insured and contain a cash value and a death benefit.

Read More

Permanent Life Insurance, What’s The Point?

If you want the easy answer: Life Insurance is largely utilized for the living benefits, in addition to the death benefit, because its one of the last tax-advantaged assets.

Read More
contact@optifino.com          54 Thompson, New York, NY          917.364.3413
© 2023 Optifino, Inc. All rights reserved.
Life insurance technology and life insurance are provided by Optifino, Inc. (DBA Optifino Insurance Services in New York) (“Optifino”). Optifino is a licensed insurance producer in all states where it offers products, and acts as an agent for various insurance companies. License information available here. The information on this website has been developed by Optifino, Inc and is for informational purposes only. We do our best to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Products and specific product features may not be available in all states, and other limitations or restrictions may apply. Securities offered through The Leaders Group, Inc. Member FINRA/SIPC 26 W Dry Creek Circle, Suite 800, Littleton, CO 80120, 303-797-9080. Optifino is not affiliated with The Leaders Group, Inc. Check the background of your financial professional or broker/dealer with FINRA BrokerCheck.