Topic suggestions welcome! More than one of these presentations were inspired by a suggestion.
Call or email with questions or to book Michael Staeb to speak to your group.
Speaking fees vary and may be discounted for NAIFA state or local associations.
Call or email with questions or to book Michael Staeb to speak to your group.
Speaking fees vary and may be discounted for NAIFA state or local associations.
Special Presentations
Surfing the Next Baby Boomer Wave
Qualified Asset Transfer
Tax planning isn’t just for those over 70. Every client with qualified savings will face mandatory taxation and possibly pass a significant tax burden to their heirs. Let’s look at 3 strategies that will be more efficient while maintaining flexibility for whatever life throws at us and opens the door to legacy and charitable giving.
Presented at the 2019 MDRT Annual Meeting in Miami Beach on Tuesday, June 11. A very big 'thank you' to the MDRT staff, planning committee, and volunteers! [This is a non-CE variation of Life Insurance 303: Putting Your IRA to Work.]
Qualified Asset Transfer
Tax planning isn’t just for those over 70. Every client with qualified savings will face mandatory taxation and possibly pass a significant tax burden to their heirs. Let’s look at 3 strategies that will be more efficient while maintaining flexibility for whatever life throws at us and opens the door to legacy and charitable giving.
Presented at the 2019 MDRT Annual Meeting in Miami Beach on Tuesday, June 11. A very big 'thank you' to the MDRT staff, planning committee, and volunteers! [This is a non-CE variation of Life Insurance 303: Putting Your IRA to Work.]
100 Series: Basics, Ethics, Product Deep Dives, & Personal Planning
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Life Insurance 101: Types & Uses
What You Didn’t Learn in Insurance School Covering all types of individual life insurance, this course will give you a general understanding of term, whole, universal, variable, and indexed life products. Includes an overview of various product uses and tax treatments. CE Credits Available? YES | One (1) Hour | Basic Check with me for state approvals. 
Life Insurance 102: Ethical Selling
What Makes a Suitable Sale Acting in your client’s best interest should be the guiding principle of any life insurance transaction, but ethics are far from black and white. This course begins with examples of advisors behaving badly before diving into key aspects of the sales process, policy design, and client circumstances, weighing ethical factors of each topic. CE Credits Available? YES | ETHICS Hours Vary | Intermediate Check with me for state approvals. |
Life Insurance 103: Indexed Universal Life
Understanding Upside Potential and Downside Protection Indexed universal life insurance (IUL) is the fastest growing product line in the life insurance market today. With new regulations like AG 49 affecting how these products are illustrated all advisors should understand how they work, even if they are not using them. This presentation will cover IUL mechanics, indexing strategies, choosing an illustrated rate, accessing cash value, and taxation of life insurance. CE Credits Available? YES | One (1) Hour | Advanced Check with me for state approvals. Life Insurance 104: Retirement Planning
LIRP Design and Implementation [This course is under development.] CE Credits Available? NO | One (1) Hour | Advanced |
200 Series: Business Planning Concepts
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Life Insurance 201: Business Uses
Business Planning with Life Insurance From the everyday buy/sell plan to more complex uses such as deferred compensation and estate equalization, this course covers the basics of these strategies and how life insurance can be a valuable tool for your business owner clients. Concludes with an overview of IRC Section 101(j) notice and consent regulations for employer-owned life insurance (EOLI). CE Credits Available? YES | One (1) Hour | Intermediate Check with me for state approvals. Life Insurance 202: Golden Handcuffs
Life Insurance as an Executive Benefit [This course is under development.] CE Credits Available? NO | One (1) Hour | Intermediate |
Life Insurance 203: Business Succession
Smoothing Transitions in Business Ownership Changes to ownership of a business are disruptive by nature. Utilizing insurance to fund these changes can ease the transition by alleviating some of the financial burdens. This course includes case studies on where life insurance can be effective in different styles of business transition. [This course is under development.] CE Credits Available? NO | One (1) Hour | Advanced |
300 Series: Estate Planning, Charitable Planning, & Tax Strategies
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Life Insurance 301: Estate Planning Basics
Solutions for Legacy and Tax Planning [This course is under development.] CE Credits Available? NO | One (1) Hour | Intermediate Life Insurance 302: Charitable Planning Basics
Leveraging Dollars for Doing Good [This course is under development.] CE Credits Available? NO | One (1) Hour | Intermediate |
Life Insurance 303: Putting Your IRA to Work
Charitable and Legacy Planning Strategies Leveraging IRAs and Life Insurance Tax planning is not just for clients over 70 and paying RMDs (required minimum distributions). Any client with pre-tax savings they are not currently drawing from is going to have a tax challenge in their future. This course covers three strategies to mitigate their tax liability using a life insurance based solution. Strategies include:
CE Credits Available? YES | One (1) Hour | Intermediate Check with me for state approvals. |
Other Topics
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Emerging from the Soup
Modern Evolution of Life Insurance Equity markets are in a constant state of flux. Much of the life insurance industry is viewed as slow to adapt. While true to an extent, there is evolution taking place in the areas of product design, underwriting, compensation, accelerated benefits, and more. This course will cover where the industry has been since the early 2000’s, what’s the latest and greatest, and postulate on where it might be going in the future. [This course is under development.] CE Credits Available? NO | One (1) Hour | Advanced |
LTCi: Traditional vs. Linked-Benefits
What, Why, and How of Funding Long-Term Care With less than 15% of Americans having a plan for a long-term care event and 70% of people over age 65 needing long-term care at some point, solutions for this market should be flying off the shelves. This presentation will briefly cover the need for LTC planning then focus on the most significant differences between traditional and linked-benefit long-term care insurance solutions. You will leave you with a basic understanding of the differences between traditional products and newer market alternatives, including asset-based, rider-based, and annuity-based solutions. An overview of chronic illness vs. true LTC benefits will be included as well. CE Credits Available? YES | One (1) Hour | Intermediate Check with me for state approvals. |
CE Provider Numbers: Alabama 500005082 | Florida 371457
Oregon 500003421 | New Mexico 500010241 | Washington 300342
Unless otherwise listed, all CE course approvals are for insurance producers only. Additional states and license types may be available on request, subject to any applicable filing fees and regulatory approval. CE credit availability and course numbers subject to typographical error and change without notice.
Oregon 500003421 | New Mexico 500010241 | Washington 300342
Unless otherwise listed, all CE course approvals are for insurance producers only. Additional states and license types may be available on request, subject to any applicable filing fees and regulatory approval. CE credit availability and course numbers subject to typographical error and change without notice.