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Michael C. Staeb, CLTC, LACP, LUTCF
  • Home
  • For Professionals
    • AIP Agent Portal
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In The News / Press

Publications & Media Mentions

Life Insurance for Overweight People
April 23, 2021 – BankRate.com

“Build is by far one of the most common factors that knock people out of preferred underwriting classes for life insurance,” says Michael C. Staeb, Insurance Planning Consultant and an independent wholesaler with 20 years experience. “Medical studies have shown that the extra weight does cause additional long-term strain on the heart. This is true of overweight individuals where the extra weight is not fat, but instead muscle...

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Can You Get Extended Care Without Burdening Loved Ones?
November 21, 2016 – Real Wealth Podcast with Jim Silbernagel

What was once thought of as “nursing home insurance” is quickly becoming a much-needed planning tool that many aren’t aware of. Show your clients the overwhelming likelihood of needing long-term care and their options to fund it by sharing this episode! Advisor Consultant Michael Staeb shares real stories of unprepared families who struggled emotionally and financially, and the options available to avoid that fate...

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The Challenges of Writing Business [Life] Insurance​
July/August 2016 – NAIFA's Advisor Today Magazine

Avoiding the pitfalls of writing business-related life insurance present challenges, but manageable ones. This article touches on the high points of my related CE course, which includes an overview of business uses of life insurance, avoiding titling pitfalls, and preserving tax treatment...

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NAIFA YAT Forum panelist: Expect a new wave of life products
September 7, 2014 – ThinkAdvisor

In the coming years, many more carriers will offer products that allow owners of permanent policies to convert the cash value or death benefit into a single premium immediate annuity-like life income option. So predicted Michael Staeb during a panel discussion of young advisor team (YAT) members at the career conference and annual meeting of...

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Indexed UL is Not a Fad
August 2013 – InsuranceNewsNet Magazine

Indexed life insurance products aren't for all clients, but they could be a good choice for a client who is investing for the long haul. Many advisors are under the mistaken impression that indexed universal life insurance (IUL) is a fad that eventually will louder and go the way of first-to-die and credit life insurance...

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AG 38: The Death Knell for No-Lapse Guarantees?
November 19, 2012 – InsuranceNewsNet Magazine

Actuarial Guideline 38 (AG 38) was introduced by the National Association of Insurance Commissioners (NAIC) and provides regulatory guidance on reserving requirements for insurer's offering universal life (UL) products with secondary guarantees. Also called no-lapse guarantees (NLG), secondary guarantee provisions provide for continuation of coverage on universal life insurance products when cash value falls to zero...

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Michael C. Staeb, CLTC, LACP, LUTCF     ​21 Walter Martin Rd NE #2797     Fort Walton Beach, FL 32549     (855) 627-8232

Michael Staeb is licensed in AL, CA (0I38996), CT, FL, ID, IL, MA, MD, MO, NC, NM, NY, OH, OR, TX (2412011), VA, and WA.​
Copyright © 2019-2021 Michael C. Staeb. All rights reserved. Staeb and associated logo are trademarks of Michael C. Staeb.