--- title: "BSMG Blog: Protecting the Future of Families and Businesses" description: Retirement topics, insurance news, annuity and life insurance broker tips --- [info@bsmg.net](mailto:info@bsmg.net) [(800) 343-7772](tel:800.343.7772) [![Unified | HubSpot COS Framework](https://life-annuity-blog.specialtyprogramgroup.com/hs-fs/hubfs/logo-1.png?width=359&name=logo-1.png "Unified | HubSpot COS Framework")](http://www.bsmg.net) - Menu Item 1 - Sub-menu Item 1 - Another Item - Sub-menu Item 2 - Menu Item 2 - Yet Another Item - Menu Item 3 - Menu Item 4 # BSMG Blog: Protecting the Future of Families and Businesses - Blog ## [BSMG ONE Idea: LTC Conversation: Guide to Comparing Coverage Options](https://life-annuity-blog.specialtyprogramgroup.com/bsmg-one-idea-ltc-conversation-guide-to-comparing-coverage-options) BSMG [Long Term Care](https://life-annuity-blog.specialtyprogramgroup.com/topic/long-term-care), [Retirement Planning Strategies](https://life-annuity-blog.specialtyprogramgroup.com/topic/retirement-planning-strategies) No Comments 9 Feb 2026   ****Has this ever happened to you?**** Towards the end of a meeting or phone call with your client, the conversation naturally drifts to other topics. In this instance, your client mentions being overwhelmed by the process of finding an assisted living facility for a parent facing health issues.   [Read More](https://life-annuity-blog.specialtyprogramgroup.com/bsmg-one-idea-ltc-conversation-guide-to-comparing-coverage-options) ## [BSMG ONE Idea: 2026 Exemption Planning](https://life-annuity-blog.specialtyprogramgroup.com/bsmg-one-idea-2026-exemption-planning) BSMG [Life Insurance](https://life-annuity-blog.specialtyprogramgroup.com/topic/life-insurance), [Retirement Planning Strategies](https://life-annuity-blog.specialtyprogramgroup.com/topic/retirement-planning-strategies) No Comments 22 Jan 2026   What's the smartest way to use the additional $2 million of exemption capacity?   [Read More](https://life-annuity-blog.specialtyprogramgroup.com/bsmg-one-idea-2026-exemption-planning) ## [BSMG ONE Idea: Why "Buy Term and Invest the Difference" No Longer Holds Up](https://life-annuity-blog.specialtyprogramgroup.com/bsmg-one-idea-why-buy-term-and-invest-the-different-no-longer-holds-up) BSMG [Life Insurance](https://life-annuity-blog.specialtyprogramgroup.com/topic/life-insurance), [Retirement Planning Strategies](https://life-annuity-blog.specialtyprogramgroup.com/topic/retirement-planning-strategies) No Comments 8 Jan 2026   Advisors and clients continue to advocate for "buy term and invest the difference" or BTID. It can look great on a spreadsheet. In real life, it's a much different story! [Read More](https://life-annuity-blog.specialtyprogramgroup.com/bsmg-one-idea-why-buy-term-and-invest-the-different-no-longer-holds-up) ## [BSMG ONE Ideas: A New Resource for Advisors](https://life-annuity-blog.specialtyprogramgroup.com/bsmg-one-ideas-a-new-resource-for-advisors) BSMG No Comments 9 Dec 2025   At BSMG, we know the best way to support advisors is with ideas you can use in client conversations today. We’ve launched the **BSMG ONE Idea Library** — a collection of advanced planning articles, sales ideas, and strategy pieces designed to help you bring more value to your best clients.   [Read More](https://life-annuity-blog.specialtyprogramgroup.com/bsmg-one-ideas-a-new-resource-for-advisors) ## [HUB and Life Insurance](https://life-annuity-blog.specialtyprogramgroup.com/hub-and-life-insurance) BSMG No Comments 4 Jan 2024   [Read More](https://life-annuity-blog.specialtyprogramgroup.com/hub-and-life-insurance) ## [Top 10 Helpful Hints for the Broker](https://life-annuity-blog.specialtyprogramgroup.com/2023-07-27_top_hints_for_underwriting) BSMG [Life Insurance](https://life-annuity-blog.specialtyprogramgroup.com/topic/life-insurance), [Underwriting](https://life-annuity-blog.specialtyprogramgroup.com/topic/underwriting), [Insurance Industry News](https://life-annuity-blog.specialtyprogramgroup.com/topic/insurance-industry-news), [Risk Differentiation Underwriting](https://life-annuity-blog.specialtyprogramgroup.com/topic/risk-differentiation-underwriting) No Comments 27 Jul 2023   Applying for life insurance can be an arduous process for clients. By setting expectations, you can help your clients avert any pain points and create a more positive experience. Check out these “Helpful Hints” from NAILBA to make sure your clients know what to expect. [Read More](https://life-annuity-blog.specialtyprogramgroup.com/2023-07-27_top_hints_for_underwriting) ## [The Ultimate Cover Letter for the Underwriting Process](https://life-annuity-blog.specialtyprogramgroup.com/2023-07-27_the_ultimate_cover_letter) BSMG [Life Insurance](https://life-annuity-blog.specialtyprogramgroup.com/topic/life-insurance), [Underwriting](https://life-annuity-blog.specialtyprogramgroup.com/topic/underwriting), [Insurance Industry News](https://life-annuity-blog.specialtyprogramgroup.com/topic/insurance-industry-news), [Risk Differentiation Underwriting](https://life-annuity-blog.specialtyprogramgroup.com/topic/risk-differentiation-underwriting) No Comments 27 Jul 2023   In those instances where the case submitted isn’t as black and white as one would hope, a well thought out cover letter inclusive of case details will aid in the underwriting process. We worked with our underwriters at Lincoln Financial to provide some guidelines [Read More](https://life-annuity-blog.specialtyprogramgroup.com/2023-07-27_the_ultimate_cover_letter) ## [Annuity Awareness Month 2023](https://life-annuity-blog.specialtyprogramgroup.com/2023-06-05_annuity-awareness-month) BSMG [Retirement](https://life-annuity-blog.specialtyprogramgroup.com/topic/retirement), [Life Insurance](https://life-annuity-blog.specialtyprogramgroup.com/topic/life-insurance), [Annuities](https://life-annuity-blog.specialtyprogramgroup.com/topic/annuities), [Fiduciary](https://life-annuity-blog.specialtyprogramgroup.com/topic/fiduciary), [Insurance Industry News](https://life-annuity-blog.specialtyprogramgroup.com/topic/insurance-industry-news) No Comments 5 Jun 2023   Annuity rates have seen unprecedented increases in the past year. Now is a great time to take advantage of the best rates we have seen in a generation despite markets being relatively flat after a year of extreme volatility. For more details, check out the infographic below. [Read More](https://life-annuity-blog.specialtyprogramgroup.com/2023-06-05_annuity-awareness-month) ## [2022 Recap: A Message from Jason Lea](https://life-annuity-blog.specialtyprogramgroup.com/2022/12/22/2022-recap) BSMG [Fiduciary](https://life-annuity-blog.specialtyprogramgroup.com/topic/fiduciary), [Insurance Industry News](https://life-annuity-blog.specialtyprogramgroup.com/topic/insurance-industry-news) No Comments 22 Dec 2022   [Read More](https://life-annuity-blog.specialtyprogramgroup.com/2022/12/22/2022-recap) ## [South Dakota and New Mexico Regulations - Effective Dates](https://life-annuity-blog.specialtyprogramgroup.com/2022/03/17/south-dakota-and-new-mexico-regulations-effective-dates) BSMG [Fiduciary](https://life-annuity-blog.specialtyprogramgroup.com/topic/fiduciary), [Insurance Industry News](https://life-annuity-blog.specialtyprogramgroup.com/topic/insurance-industry-news) No Comments 5 Apr 2022 **South Dakota Regulation - Goes into effect January 1, 2023** [Read More](https://life-annuity-blog.specialtyprogramgroup.com/2022/03/17/south-dakota-and-new-mexico-regulations-effective-dates) - [1](https://life-annuity-blog.specialtyprogramgroup.com) - [2](https://life-annuity-blog.specialtyprogramgroup.com/page/2) - [3](https://life-annuity-blog.specialtyprogramgroup.com/page/3) - [4](https://life-annuity-blog.specialtyprogramgroup.com/page/4) - [5](https://life-annuity-blog.specialtyprogramgroup.com/page/5) - ### Posts by Topic - [Life Insurance (21)](https://life-annuity-blog.specialtyprogramgroup.com/topic/life-insurance) - [Insurance Industry News (15)](https://life-annuity-blog.specialtyprogramgroup.com/topic/insurance-industry-news) - [Fiduciary (8)](https://life-annuity-blog.specialtyprogramgroup.com/topic/fiduciary) - [Advisor Marketing Tips (6)](https://life-annuity-blog.specialtyprogramgroup.com/topic/advisor-marketing-tips) - [Annuities (4)](https://life-annuity-blog.specialtyprogramgroup.com/topic/annuities) - [Communication Tips for Advisors (4)](https://life-annuity-blog.specialtyprogramgroup.com/topic/communication-tips-for-advisors) - [Retirement (4)](https://life-annuity-blog.specialtyprogramgroup.com/topic/retirement) - [Sales & Prospecting Tools for Advisors (4)](https://life-annuity-blog.specialtyprogramgroup.com/topic/sales-prospecting-tools-for-advisors) - [Advanced Markets (3)](https://life-annuity-blog.specialtyprogramgroup.com/topic/advanced-markets) - [Insurance Products & Solutions (3)](https://life-annuity-blog.specialtyprogramgroup.com/topic/insurance-products-solutions) - [Insurance for Small Business Owners (3)](https://life-annuity-blog.specialtyprogramgroup.com/topic/insurance-for-small-business-owners) - [Long Term Care (3)](https://life-annuity-blog.specialtyprogramgroup.com/topic/long-term-care) - [Retirement Planning Strategies (3)](https://life-annuity-blog.specialtyprogramgroup.com/topic/retirement-planning-strategies) - [Risk Differentiation Underwriting (3)](https://life-annuity-blog.specialtyprogramgroup.com/topic/risk-differentiation-underwriting) - [Tax Season (3)](https://life-annuity-blog.specialtyprogramgroup.com/topic/tax-season) - [Term Life Insurance (3)](https://life-annuity-blog.specialtyprogramgroup.com/topic/term-life-insurance) - [Underwriting (3)](https://life-annuity-blog.specialtyprogramgroup.com/topic/underwriting) - [Annuity (2)](https://life-annuity-blog.specialtyprogramgroup.com/topic/annuity) - [Estate Planning (2)](https://life-annuity-blog.specialtyprogramgroup.com/topic/estate-planning) - [LTC (2)](https://life-annuity-blog.specialtyprogramgroup.com/topic/ltc) - [RMD (2)](https://life-annuity-blog.specialtyprogramgroup.com/topic/rmd) - [Retirement Income (2)](https://life-annuity-blog.specialtyprogramgroup.com/topic/retirement-income) - [Retirement Reform (2)](https://life-annuity-blog.specialtyprogramgroup.com/topic/retirement-reform) - [Tax Planning (2)](https://life-annuity-blog.specialtyprogramgroup.com/topic/tax-planning) - [Advanced Sales (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/advanced-sales) - [Best Interest Standard (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/best-interest-standard) - [Business Succession (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/business-succession) - [Buy Sell Agreement (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/buy-sell-agreement) - [Financial Advisor Tools (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/financial-advisor-tools) - [Fixed Index Annuities (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/fixed-index-annuities) - [ILITs (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/ilits) - [IRAs (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/iras) - [Linked Benefits (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/linked-benefits) - [NAIC (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/naic) - [Policy Review (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/policy-review) - [Required Minimum Distributions (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/required-minimum-distributions) see all - [500 South Main Street](https://g.page/BSMGInsurance?gm) - [Providence, RI 02903](https://g.page/BSMGInsurance?gm) - 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All Rights Reserved. Securities offered through The Leaders Group, Inc. member [FINRA/SIPC](http://brokercheck.finra.org/) 26 W. Dry Creek Circle, Suite 800, Littleton, CO 80120 (303) 797-9080 ```json { "@context" : "https://schema.org", "@type" : "VideoObject", "caption" : { "@type" : "MediaObject", "contentUrl" : "https://life-annuity-blog.specialtyprogramgroup.com/media-transcripts/152009262133/en.vtt", "inLanguage" : "en", "name" : "en Captions" }, "contentUrl" : "https://422644.fs1.hubspotusercontent-na1.net/hubfs/422644/HUB_and_Life_Insurance.mp4", "dateModified" : "2025-08-25T20:33:03.078Z", "duration" : "PT1M14.603S", "height" : 720, "name" : "HUB_and_Life_Insurance", "thumbnailUrl" : "https://422644.fs1.hubspotusercontent-na1.net/hubfs/422644/HUB_and_Life_Insurance.mp4/medium.jpg?t=1756153983078", "uploadDate" : "2024-01-05T02:53:35.987Z", "width" : 1280 } ```