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Synergy Thinking

Welcome to Synergy Thinking! A podcast featuring Robert Stuchiner, and Stephanie Alper-Lisi, ofSynergy Life Brokerage.Join Synergy Thinking for 10 minutes of power-packed information around industry topics, life insuranc... More
Latest Episode
2019-12-10

Deep Dive into Disability With Cara Sharpe of NJLTC - #018

Join Stephanie Alper-Lisi and Cara Sharpe of NJLTC as they take a deep dive into disability insurance. On today’s show, we talk with Cara about who should be buying disability insurance, how long does a disability insurance benefit period last, if guaranteed issue options exist for disability insurance, and more! Learn more about how to connect with Synergy Life Brokerage, Cara Sharpe and NJLTC and how you can discuss this with your clients today at www.SBKG.com.


Show Notes:

00:00 Who is Robert Stuchner and Stephanie Alper-Lisi

00:45 Who is Cara Sharpe and what does NJLTC do for their clients?

01:39 Who should be buying disability insurance?

03:17 Do consumers who work for companies that offer long term disability need an individual plan?

05:50 How long does a disability insurance benefit period last?

07:26 What are the typical insurance carriers in this marketplace?

08:30 Do pre existing conditions exclude consumers from getting disability insurance?

09:40 How does NJLTC work with business owners looking to protect themselves with disability insurance?

11:28 What’s the process look like for advisors looking to get their clients disability insurance?

12:48 Do clients need to offer a medical exam to receive disability insurance?

13:17 Do guaranteed issue options exist for disability insurance?

15:29 How advisors can contact Synergy Life Brokerage and acquire information on disability insurance 

2019-12-10

Deep Dive into Disability With Cara Sharpe of NJLTC - #018

Join Stephanie Alper-Lisi and Cara Sharpe of NJLTC as they take a deep dive into disability insurance. On today’s show, we talk with Cara about who should be buying disability insurance, how long does a disability insurance benefit period last, if guaranteed issue options exist for disability insurance, and more! Learn more about how to connect with Synergy Life Brokerage, Cara Sharpe and NJLTC and how you can discuss this with your clients today at www.SBKG.com.


Show Notes:

00:00 Who is Robert Stuchner and Stephanie Alper-Lisi

00:45 Who is Cara Sharpe and what does NJLTC do for their clients?

01:39 Who should be buying disability insurance?

03:17 Do consumers who work for companies that offer long term disability need an individual plan?

05:50 How long does a disability insurance benefit period last?

07:26 What are the typical insurance carriers in this marketplace?

08:30 Do pre existing conditions exclude consumers from getting disability insurance?

09:40 How does NJLTC work with business owners looking to protect themselves with disability insurance?

11:28 What’s the process look like for advisors looking to get their clients disability insurance?

12:48 Do clients need to offer a medical exam to receive disability insurance?

13:17 Do guaranteed issue options exist for disability insurance?

15:29 How advisors can contact Synergy Life Brokerage and acquire information on disability insurance 

2019-11-27

John Hancock Announces Aspire With Vitality! - #017

John Hancock Announces Aspire With Vitality! Join Stephanie Alper-Lisi and Robert Stuchner as the brand new addition to Vitality, “Aspire”. On today’s show, we talk with Robert about Aspire and how it benefits those with diabetes, how the Unduo monitoring device works and how it can lower your clients premium, why Vitality and Unduo are one of the best diabetic management platforms, and how much will Aspire and Vitality cost your client? Learn more about Vitality, Aspire, Unduo and how you can discuss this with your clients today at www.SBKG.com.


Show Notes:

00:00 Who is Robert Stuchner and Stephanie Alper-Lisi

00:48 What has happened with, “Vitality” with John Hancock since we last spoke about it

02:28 What is Aspire and how does it benefit those with diabetes

03:10 How the Unduo monitoring device works and how it can lower your clients premium

05:33 Why Vitality and Unduo are one of the best diabetic management platforms

06:40 How much will Aspire and Vitality cost your client?

07:33 Ways advisors can contact Synergy in order to learn more about Aspire and Vitality



2019-9-4

The Magic of Split Dollar - #015

What is the magic of split dollar? Join Stephanie Alper-Lisias and Robert Stuchner as they discuss what is the magic of split dollar. On today’s show, we talk with Robert about what role “sharing” plays when it comes to split dollar, the two types of split dollars, their similarities and differences, and should business owners terminate the split dollar arrangement. Learn more about split dollar and how you can discuss this with your clients today at www.SBKG.com.


Show Notes:

00:00 Who is Robert Stuchner and Stephanie Alper-Lisi

00:31 What is the magic of split dollar? 

01:17 What role does “sharing” play when it comes to split dollar?

03:10 What are the two types of split dollar?

04:28 Should the business owner terminate the split dollar arrangement?

05:38 Is there a taxable event to the insured when you roll out of split dollar?

06:18 How does this affect business owners who are trying to retain some of their key employees?

06:48 How should they utilize synergy in order to be able to discuss this with their clients?


2019-8-21

Do You Have Client’s that No Longer Want, Need or Afford them? - #014

Do You Have Client’s that No Longer Want, Need or Afford their life insurance policy? Join Stephanie Alper-Lisias and Robert Stuchner as they discuss what clients can do with life insurance they no longer can afford, want or need their life insurance policy. On today’s show, we talk with Robert about exit strategies, what advisors and clients can do, and if policies are taxable. Learn more about the options for clients who no longer needs, or can afford life insurance at www.SBKG.com.


Show Notes:

00:00 Who is Robert Stuchner and Stephanie Alper-Lisi

00:44 Is there an exit strategy today for senior citizens that no longer need or want or can afford their life insurance policies?

01:56 If they don’t want their insurance what can they do?

04:44 Is that taxable to the insured or to the owner of the policy if they sell the policy?

06:55 How does ensuring a better world fund take my policy and what would they do with it?

08:06 What made Robert start this charitable organization?

09:03 How would an advisor who has a client, a senior citizen who doesn't need, want or afford their insurance policy? 

9:30 How can advise your partner with you



2019-8-7

The Power of Substitution - #013

What is the power of substitution? Join Stephanie Alper-Lisias and Robert Stuchner as they discuss how advisors can take advantage of tax exclusion. On today’s show, we talk with Robert about What is the “cliff tax”, why are you suggesting substitution and will it affect the “cliff tax” , what are the promissory note and how does it work? Learn more about the power of substitution for your clients and how Synergy Life Brokerage can help you at www.SBKG.com.


Show Notes:

00:00 Who is Robert Stuchner and Stephanie Alper-Lisi

00:31 How Synergy take advantage of today’s tax exclusion

03:46 What is the “cliff tax”?

04:41 Why choose substitution and how will it affect the “cliff tax”?

08:03 What are the promissory note and how does it work?

09:24 Why aren’t more advisors using “substitution” as a solution?

09:52 How can advise your partner with you


2019-7-24

Social Media and Why it is Crucial for An Advisor to Have - #012

Why is social media crucial for an advisor to have? Join Stephanie Alper-Lisias and Freda Thomas as they discuss how advisors can work with LinkedIn in order to boost their profiles. On today’s show, we talk with Freda Thomas on the Do’s and Don’ts on injecting keywords into your profile, how LinkedIn can really help as a prospecting tool, how LinkedIn is a powerful resource and tool for today's financial advisor, and how can advise your partner with you. Learn more about how you can partner with Freda Thomas and what options are accessible for your clients and how Synergy Life Brokerage can help you at www.SBKG.com


Show Notes:

00:00 Who is Robert Stuchner and Stephanie Alper-Lisi

00:40 How advisors can work with LinkedIn in order to boost their profiles

00:58 Who is Freda Thomas

01:57 Why LinkedIn is a powerful resource and tool for today's financial advisor.

03:58 Do’s and Don’ts on injecting keywords into your profile

06:54 How can LinkedIn really help as a prospecting tool?

08:54 Additional tools and resources LinkedIn can offer

10:04 How can advise your partner with you