The November 2026 edition of The TWH Update from TWH Financial and Insurance Solutions, Inc. focuses on mitigating market volatility, expanding long-term care access, and maintaining top producer momentum. Here are the key takeaways from this month’s issue:
1. Market Returns vs. Actual Client Returns (The Cost of Panic)
The November issue highlights a critical behavioral gap that financial professionals frequently observe during major market downturns (such as 2000–2002 and 2008–2009):
- The Emotional Trap: When account values plummet, anxious clients often panic, sell out of stocks or mutual funds at a loss, and move to cash.
- The Recovery Lag: Many investors stay on the sidelines too long during market rebounds, missing a substantial portion of the recovery before re-entering.
- The Solution: Index annuities are designed to insulate clients from market crashes, preventing panic selling, allowing funds to remain untouched, and helping investors sleep soundly.
2. Expanded Access to Long-Term Care (LTC) Coverage
TWH announces a valuable new opportunity to address one of retirement’s biggest financial risks:
- Broader Eligibility: Clients who do not qualify for Asset Care® or Annuity Care® may now be eligible for an Indexed Annuity Care® base policy simply by answering “No” to four key health qualification questions.
- Policy Benefits: Includes Claims Concierge support, tax-free access to accumulated growth, and a built-in long-term care benefit multiplier.
- The Opportunity: With 70% of individuals over age 65 requiring some form of long-term care—yet only 15% having coverage—this opens vital doors for older clients with limited options.
3. Perfectly Balanced Retirement (PBR) Tool
The newsletter continues to feature the PBR Tool, demonstrating how to balance risk and safety assets (such as a 60/40 ratio between Safety Growth index annuities and Risky Growth index ETFs) using real historical performance:
- Smart Withdrawals: Incorporates a structured annual income withdrawal strategy adjusted for a 3% annual inflation rate, pulling from the appropriate bucket depending on yearly market performance.
- Proven Outcome: This approach avoids deep portfolio losses during downturns and generates approximately $300,000 more in remaining assets compared to a non-balanced plan relying strictly on a risky account.
4. The TWH 2026 Elite Producers Club (Marketing Allowance Plan)
Independent producers have through December 31, 2026, to qualify for monthly cash bonuses designed to support lead generation or technology upgrades:
- Level I ($250k premium): $250 bonus ($250 cumulative)
- Level II ($500k premium): $500 bonus ($750 cumulative)
- Level III ($1M premium): $1,000 bonus ($1,750 cumulative)
- Level IV ($2M premium): $1,500 bonus ($3,250 cumulative)
- Level V ($3M premium): $3,000 bonus ($6,250 cumulative)
5. Application Processing & Pre-Solicitation Checklists
Ami Skogsberg, VP of Agency Services, notes that pre-reviewing application forms catches potential improvements on 85% of submissions, accelerating policy issuance and commission payments.
Important Pre-Submission Reminders:
- Submit contracting before taking any client applications.
- Complete carrier-specific product/suitability training and annual Anti-Money Laundering (AML) training prior to solicitation.
- Ensure Errors & Omissions (E&O) certificates are fully up to date.
Need Assistance?
For custom reports, illustrations, or contracting inquiries, reach out to the TWH team at 1-800-200-9194 or via email at info@twhagency.com.