Publications & Media MentionsLife 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... Read More 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... Read More (paid subscription required) 
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... Read More 
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... Read More 
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... Read More 
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... Read More |
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Important Licensing Information & Disclosures
Copyright © 2019-2022 The Staeb Company, LLC. All rights reserved.
Copyright © 2022-2025 3GEN Insurance, LLC. All rights reserved. 3GEN Insurance® and the related logo are registered service marks of 3GEN Insurance, LLC.