🧓 Life & Annuities
Life insurance and annuities provide financial protection, income security, and long-term planning solutions for individuals and families. This sector blends advisory expertise, product knowledge, and regulatory awareness.
📘 Sector Overview
The Life & Annuities sector focuses on helping clients protect their loved ones, build long-term financial security, and plan for retirement. Professionals in this space guide clients through complex products such as term life, whole life, universal life, variable universal life, and a wide range of annuity options.
This sector requires strong communication skills, ethical decision-making, and a deep understanding of suitability standards and regulatory frameworks. Advisors often work closely with financial planners, estate attorneys, and tax professionals to deliver comprehensive solutions.
🏗️ Foundations
🧑💼 Key Roles in This Sector
- Life Insurance Producers — Advises clients on life insurance needs and coverage options.
- Annuity Specialist — Helps clients evaluate income strategies and retirement products.
- Financial Advisor — Integrates life and annuity solutions into broader financial plans.
- Case Manager — Supports underwriting, applications, and policy issuance.
- Wholesaler — Works for carriers or BGAs to support advisors with product expertise.
