Summer is the perfect time to reconnect with clients before vacation schedules and year-end planning begin. Whether you're reviewing beneficiary designations, discussing retirement income, or helping clients address long-term care concerns, July presents meaningful opportunities to strengthen relationships and uncover new business.

The life insurance and annuity markets continue to show impressive momentum in 2026. According to LIMRA, both industries are projected to remain at or near record sales levels as consumers continue seeking guaranteed income, financial protection, and solutions to market uncertainty. Despite the growth, millions of Americans remain underinsured—creating tremendous opportunities for advisors.  

Advisor Opportunity

Great news for New York advisors! Universal Life (UL) solutions are now available through MMSD, providing expanded opportunities to help clients with flexible, permanent life insurance strategies.

Whether your clients are looking for lifetime protection, cash value accumulation potential, or estate and legacy planning solutions, UL can be a valuable addition to your planning toolkit. Our team is here to help you identify the right fit, navigate product options, and support your cases from illustration through policy placement.

Ready to learn more? Reach out to Your KAFL Team to discuss available UL solutions in New York through MMSD and see how we can help you meet your clients' long-term planning goals.

A simple 20-minute review can uncover opportunities to:

Many clients have experienced significant life changes since their last review. 

Beginning 7/1/26, Medicare began a short-term program called the Medicare GLP-1 Bridge. The purpose is to provide eligible Medicare beneficiaries with access to certain GLP-1 drugs.

Click here to access the CMS site and learn more.

Nat'l Life's Tactical Tuesday | Estate Planning for Foreign Nationals: Register Here

Securian 7/16 - Golden Executive Bonus Arrangement: Register Here

John Hancock - What's shaping underwriting today: Listen Here

Nationwide 8/13- Avoiding Common Annuity Mistakes: Register Here

Navigating Impairments with MMSD:

Underwriting Guide

Lupus Recap | GLP-1 Recap

Muscular Dystrophy and Muscular Sclerosis August 12

Summer is a busy season. Between vacations, family activities, and packed schedules, it's easy for life insurance applications to get delayed. One of the best ways to keep cases moving is with a thorough prescreen before an application is submitted. A few extra minutes upfront can save weeks in underwriting and improve your client's overall experience.

This summer, remember to:

As you enjoy the warmer months, take a few extra minutes to collect the right information before you submit. A strong start leads to a smoother underwriting process and helps your clients get the coverage they need sooner.

Field Underwriting Tip: Think of prescreening as your sunscreen for the underwriting process. It helps prevent problems before they happen!

We're proud to celebrate two professional development milestones within our New Business team!

Marie has successfully completed the NAILBA Case Management Renewal Certification Course, reinforcing her expertise in managing life insurance cases efficiently and delivering exceptional service.

Sarah has completed the NAILBA Inforce Certification Course, expanding her knowledge of inforce policy management and post-issue support.

Their commitment to continuing education reflects KAFL's dedication to providing advisors with knowledgeable, responsive support throughout the entire policy lifecycle.

KAFL’s office has relocated

359 N. Washington Street
Rochester, NY 14625

Please ensure all mail and deliveries are sent to this new location. If an in-person appointment is needed, we kindly ask that you call ahead so we can best accommodate your visit.