BSMG Blog: Protecting the Future of Families and Businesses

BSMG ONE Idea: LTC Conversation: Guide to Comparing Coverage Options

marketing@bsmg.net (BSMG) — Mon, 09 Feb 2026 21:06:50 GMT

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.

BSMG ONE Idea: 2026 Exemption Planning

marketing@bsmg.net (BSMG) — Thu, 22 Jan 2026 14:36:40 GMT

What's the smartest way to use the additional $2 million of exemption capacity?

BSMG ONE Idea: Why "Buy Term and Invest the Difference" No Longer Holds Up

marketing@bsmg.net (BSMG) — Thu, 08 Jan 2026 14:31:01 GMT

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!

BSMG ONE Ideas: A New Resource for Advisors

marketing@bsmg.net (BSMG) — Tue, 09 Dec 2025 17:40:31 GMT

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.

HUB and Life Insurance

marketing@bsmg.net (BSMG) — Fri, 05 Jan 2024 02:45:41 GMT

Top 10 Helpful Hints for the Broker

marketing@bsmg.net (BSMG) — Thu, 27 Jul 2023 16:13:05 GMT

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.

The Ultimate Cover Letter for the Underwriting Process

marketing@bsmg.net (BSMG) — Thu, 27 Jul 2023 16:11:24 GMT

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

Annuity Awareness Month 2023

marketing@bsmg.net (BSMG) — Mon, 05 Jun 2023 16:25:22 GMT

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.

2022 Recap: A Message from Jason Lea

marketing@bsmg.net (BSMG) — Thu, 22 Dec 2022 14:17:57 GMT

South Dakota and New Mexico Regulations - Effective Dates

marketing@bsmg.net (BSMG) — Tue, 05 Apr 2022 20:16:29 GMT

South Dakota Regulation - Goes into effect January 1, 2023