This Month’s Focus: 

Planning with Purpose

Helping clients protect, grow, and prepare.  As summer winds down and planning season ramps up.

Why it works for August:

• Clients are back from vacation and more open to financial conversations
• It's a key prep month for Medicare AEP, Q4 business planning, and back-to-school life insurance reviews
• Volatility is still in the headlines — positioning annuities and guaranteed income makes sense now
• It’s a great time for policy reviews and retirement conversations before the fall rush

Key Themes to Emphasize:

• Protection: Safe money strategies (annuities, DI, life)
• Review Season: Policy reviews, in-force illustrations, beneficiary checks
• Business Owner Outreach: Buy-sell planning, retention strategies
• AEP Countdown: Certification, marketing, and lead gen planning
• Execution: "Let’s make the most of the second half of the year"

 Need Support? We’re Here. 

 Whether it's product positioning, case design, or helping you close that one big case — we're your team behind the scenes. 

Contact Us: marketing@kafl.com
Visit: www.kafl.com

Market Volatility = Annuity Opportunity

Now’s the time to lead with fixed and indexed annuities. As uncertainty continues, clients are looking for safety and guarantees.

• Fixed and indexed annuities are seeing record growth
• Advisors are leading with income conversations
• Clients want safety and smart strategy

Let us help you position income solutions that protect and perform.

Ask us for current rate sheets

Need illustrations? We’re happy to run them for you

Carrier Highlights & Upcoming Webinars

Underwriting Uncovered:

Navigating Impairments with MMSD:

Review Recaps

Register for the next session on Coronary Artery Disease

Medicare AEP Prep Starts Now

AEP is around the corner! Stay ahead with certifications, marketing materials, and carrier updates. Whether you're new to Medicare or a seasoned pro, we’re here to help you grow your book this season.

Medicare Resources

Need help with a campaign?

Let’s plan it now

Enhance Your Group Offerings with Ancillary Products

Join us for a focused session with John Prendergast of Mutual of Omaha to explore the value of adding ancillary products — like dental, vision, life, and disability — to your group benefits portfolio.

Learn how these products can:

• Strengthen client relationships
• Create additional revenue streams
• Improve overall plan value

We look forward to seeing you there!

Common Impairment: Nicotine Use

Nicotine is one of the most heavily used and addictive drugs in the United States. It causes more deaths than HIV, car accidents, drug overdoses and alcohol combined. A staggering 47% of cigarette smokers do not disclose their tobacco use on their application, costing the life insurance industry $3.4 billion in lost premium every year!

Though tobacco rates can greatly impact premium cost, some insurance companies are widening their stance on nicotine use, as smokeless nicotine, such as Zyn pouches, are much more prevalent than before.

If you have a client who enjoys an occasional cigar a few times a year or uses nicotine pouches or gum, we do have Nonsmoker options available. When meeting with your clients who use nicotine, please ask the following questions to determine whether they’re eligible for Nonsmoker rates:

• Type of tobacco/nicotine consumed (cigarettes, vapes, cigars, gum, pouches, etc.).
• Frequency of use
• Date of last use/current user?
• If former user, provide the date they quit using

Remember, transparency is key! Insurance companies typically will not allow your client to retake a urinalysis if they test positive for nicotine without disclosing their use prior.

Your Team at KAFL is happy to assist you with prescreening your clients to determine whether they qualify for Nonsmoker rates. Please contact your Sales Partner, Case Manager, or email newbusiness@kafl.com to learn more.

KAFL Spotlight

Introducing our newest Broker Manager, Josh Keller.

Josh Keller joined KAFL as a Brokerage Manager, bringing over 20 years of experience in the financial services industry. Throughout his career, he has partnered closely with advisors to develop, refine, and implement strategies that support practice growth and deliver meaningful outcomes for clients.

In his role at KAFL, Josh is focused on strengthening advisor relationships and providing tailored support across life insurance, annuities, long-term care, and disability solutions. He takes pride in being a trusted resource—offering guidance, product knowledge, and business development support to help advisors navigate complex cases and build successful practices.

Prior to joining KAFL, Josh held leadership roles focused on annuity strategy, advisor training, and practice development. He played a central role in shaping educational programs and strategic initiatives that helped both new and experienced advisors elevate their approach and serve their clients with confidence.

Josh is a proud graduate of St. Bonaventure University, where he was a member of the Division I swim team. Outside of work, he enjoys hunting, fishing, cooking, and—most importantly—spending time with his wife, Jamie, and their two daughters.