KAFL’s office will be relocating to our new address between February 1 and February 15:

359 N. Washington Street
Rochester, NY 14625

Beginning February 1, please ensure all mail and deliveries are sent to this new location. If an in-person appointment is needed during the transition period, we kindly ask that you call ahead so we can best accommodate your visit.

Thank you for your cooperation as we complete this move.

February is when intention turns into action.

Clients are reviewing tax documents, reassessing priorities, and asking more thoughtful questions about their financial future.

This is an ideal moment to move beyond surface-level reviews and guide meaningful planning conversations—especially around income stability, asset protection, and long-term care planning. Below are three timely opportunities to help clients take confident next steps this month.

Planning Angle: Clients reviewing 1099s are often surprised by how much of their income is fully taxable.

Product Tie-Ins:

Fixed Indexed Annuity (FIA)

with Income Rider

Multi-Year Guaranteed Annuity (MYGA)

How to Position It:
“If we could create more predictable income and potentially reduce tax drag long term, would that be worth exploring?”

Planning Angle: Clients nearing retirement don’t want 2008 or 2022 happening right before they need income.

Product Tie-Ins:

Registered Index-Linked

Annuities (RILAs)

Fixed Annuities

Income Rider Add-On

How to Position It:
“Let’s protect the money you’ll depend on first, then we can take measured risk with the rest.”

Planning Angle: Clients assume Medicare covers it. It doesn’t.

Product Tie-Ins:

Traditional LTC Policy

Hybrid Life + LTC

Annuity with LTC Rider

How to Position It:
“This isn’t about paying for care, it’s about protecting your retirement income and family.”

John Hancock's Longevity Preparedness Index

Prudential's Entitlement Benefits & Life Insurance: Register Here

Nationwide 2026 CE Webinars: Register Here

Lincoln WealthProtector IUL Launch Event: Register Here

Navigating Impairments with MMSD: Underwriting Guide

Atrial Fibrillation Recap

Register for the next session on Foreign Nationals Feb 11

Even though Medicare’s annual enrollment period (AEP) has ended, it’s important to remember Medicare beneficiaries impacted by Medicare Advantage plan terminations have what’s called a Special Election Period (SEP) until 2/28 to enroll in a new plan for 2026.

A large majority of Medicare beneficiaries in WNY and CNY were impacted by these plan terminations. Whether you’re a licensed Medicare broker, or a non-Medicare broker who has impacted clients, we’re here to help!

Please contact Alex Bauer at alex@kafl.com or medicare@kafl.com if you have questions or have a client who needs help understanding options!  

The beginning of the year is full of motivation: new goals, fresh conversations, and clients finally ready to act! Yet, every year we see great January discussions stall before they ever become placed policies. The solution? Early underwriting alignment.

Move Quickly from Intent to Execution

When your clients express how they need coverage or want to protect your families, your job is to translate those feelings into action. Bringing underwriting into the conversation early helps set realistic expectations, identify the right carriers, and avoid surprises that can derail momentum later.

Prescreen Early to Keep Cases Moving

Strong prescreening is the single biggest factor in whether a Q1 case gets placed or stalls. Clean, thorough information allows underwriting to work for you, not slow you down.

Always End with a Next Step

Before ending any early-year review or discovery calls, confirm these next steps:

Momentum matters! Cases discussed in January are far more likely to place than those revisited months later and when positioned correctly, underwriting builds trust. Transparency around the process reassures your clients that they’re being advocated for, not judged.

Early-year conversations are full of opportunity. Advisors who turn those conversations into clear next steps and well-prescreened cases are the ones who finish the year strong.

Let your team at KAFL help build on that momentum! Reach out to your Sales Partner or Case Manager to learn more about prescreening.

The CLU represents a deep commitment to advanced life insurance knowledge, estate planning, and risk management strategies. This achievement reflects Jess’s dedication to professional growth and delivering informed, thoughtful guidance to advisors and clients alike.

Well done, Jess, we’re SO proud of you!