Regarding life insurance, most advisors default to term because it's simpler to explain and for the client to understand. However, for those high income earners, permanent provides them with important flexibility for coverage and for tax-free cash value they can access versus investing in brokerage accounts. Zach Gosselin, Vice President at TBA, discusses how to have that conversation with those clients and how you can give them the light bulb moment that this may be the better investment for them. For more information on permanent options for your clients, visit www.TBA.com or call us directly at 865-588-9555.