This Month’s Focus: 

Awareness & Opportunity

June brings three important awareness campaigns that connect directly to client needs and open new conversations for advisors.

We’re here to help you leverage these topics to grow your practice and serve clients with real value.

In a world where market volatility and economic uncertainty are top of mind, annuities offer something your clients crave: stability, protection, and guarantees.

Whether it’s income they can’t outlive, principal protection, or a tax-advantaged growth strategy, annuities can play a key role in a well-diversified retirement plan. This month is a great time to reintroduce annuities to clients who are nearing retirement, looking to shift away from market exposure and/or seeking guaranteed lifetime income option.

Positioning Tips:

• Focus on the value of guarantees, not just rates
• Use real-life longevity scenarios to highlight income gaps
• Reframe annuities as protection, not just products

Schedule an Annuity Strategy Session with our Sales Team or check Annuity Rate Watch for up to date rates and carrier updates.

Let’s make protection part of the conversation.

Reach out for case design, side-by-side comparisons, and carrier-specific incentives available this month.

Men’s Health Awareness:

Underwriting Matters

Men’s Health Month is a great reminder to support clients in making proactive choices—not just about wellness, but also about their financial protection. It’s also a timely opportunity to revisit impaired risk underwriting, especially for male clients who may have health concerns that impact insurability.

If you’re working with clients who have conditions like diabetes, heart disease, cancer history, elevated blood pressure or cholesterol, don’t guess at their insurability.

Use our prescreen process to get ahead of potential roadblocks and help your clients find coverage that fits.

Reach out to our team to learn more about how prescreens can give you—and your client—clarity and confidence.

  Email your inquiries to newbusiness@kafl.com.

Alzheimer’s & Brain Awareness:

Planning With Compassion

Cognitive decline affects millions—and can impact insurability, finances, and families.
We encourage proactive conversations around:

• Life insurance with living benefits or LTC riders
• Linked-benefit products for clients concerned about Alzheimer’s
• Guidance for clients with a family history of cognitive illness (webinar replay)

As people live longer, experience more cognitive disorders and family structures change, the demand for care services is growing.

LTC Planning in the Face of Alzheimer's & Dementia

(presented by OneAmerica)

June 17th at 1pm

Don't forget!

We’ve made it even easier to get the illustrations and support you need — fast.

On our newly updated Quote Request page, you can submit requests for Life, DI, LTC, and Annuity quotes and run your own Term and Universal Life quotes instantly.

Significant Savings

Medicare Supplement plans can provide beneficiaries significant savings at times they need it most.  

In this illustration, we compare costs incurred in a year for Sue who has a Medicare Advantage plan and suffered a fractured heel vs Ann with Medicare Supplement who had a hip replacement. In a year with significant medical expenses, Ann’s Med Supp provided nearly $2,500 in savings compared to Sue’s Medicare Advantage.  

KAFL’s portfolio of Med Supp carriers offers among the lowest rates nationwide. And Med Supps are easy to sell – no certifications, no tests – just license, appoint, write and get paid! 

Reach out to Brokerage Director of Senior Benefits Robb Giambrone to get appointed to offer your clients these affordable plans. 

Unlock the Power of Bernie Portal

Join Us for a Live Overview

You’re invited to a special Zoom session where we’ll introduce the Bernie Portal platform and explore how it can streamline benefits management for your clients and groups.

Tuesday June 24th 

2 p.m. Eastern 

Via Zoom

 What We’ll Cover:

• Introduction to the Bernie Portal platform (yes, it’s FREE!)
• How Bernie simplifies onboarding, terming, and employee benefits management
• Managing subgroups with ease
• Handling billing for certain benefit lines
• Opportunities to add additional benefits to support employee retention
• Meet the Bernie team
• Meet your dedicated KAFL Employee Benefits account managers

 Whether you're new to Bernie or looking to enhance your current approach, this session will give you practical insights and tools to help your groups thrive.

We look forward to seeing you there!

Common Impairment: Diabetes

In their 2025 Diabetes Atlas report, the International Diabetes Foundation reported that 1 in 9 of the adult population (ages 20-79) is living with diabetes, with over 4 in 10 unaware they have the condition. If left untreated, diabetes can lead to serious health complications, including heart disease, kidney damage, and nerve damage. 

Diabetes is one of the most encountered impairments in life insurance and is also the third fastest growing impairment in the United States. With this in mind, prescreening your clients with diabetes is key to a successful underwriting outcome.

When meeting with clients who have diabetes, please make sure to gather the following information:

• Type of diabetes:
  • Type 1: Insulin dependent (autoimmune)
  • Type 2: Non-insulin dependent (most common)
  • Prediabetes: Impaired fasting glucose or glucose tolerance
  • Gestational diabetes: During pregnancy
• Age when diagnosed/Current Age
• Last A1C and blood sugar readings
• Build
• Tobacco-use (current use or date of cessation)
• Treatment regimen/medications- well controlled?
• Alcohol-use
• Activity level/regular exercise

The insurance company will want to see favorable lab results and medical records for evidence of regular follow-up and adherence to doctor recommendations.

Your team at KAFL is happy to assist you with prescreening your clients with diabetes histories. Please reach out to your Sales Partner, Case Manager, or email newbusiness@kafl.com to learn more.

KAFL Spotlight

Congratulations to

Marie Neer and Kam Fiechter

We are pleased to acknowledge

Marie Neer

and

Kam Fiechter

for successfully completing the NAILBA Underwriting Certification Course. This accomplishment reflects their dedication to advancing their knowledge and contributing to the continued strength of our underwriting support.

 Our whole New Business team is certified now!!!

Team Building at Rochester Arc + Flame

Right to left: Stephanie McQuade, Carly Cressman, Joe Hale, Katie Mercadel)