September is Life Insurance Awareness Month (LIAM)—a perfect time to spark meaningful conversations with your clients. Life insurance isn’t just a product—it’s a promise of protection, stability, and peace of mind.
KAFL is here to help you maximize Life Insurance Awareness Month. We’ve created a dedicatedLIAM Resource Hubwith advisor templates, conversation starters, campaign materials, upcoming trainings, and ready-to-use client-facing tools.
Everything you need to start meaningful conversations about life insurance and strengthen client relationships is right at your fingertips.
Carrier Highlights & Upcoming Webinars
Start the DI Conversation with High Earning Executives:MMSD Infographic
OneAmerica - Two Approaches to the LTC Conversation:Watch Here
Can you believe it’s already time… to complete Medicare certification!? October will be here before we know it, and a jumpstart on certification when client activity is slower will lessen your burdens come fall.
The IRS has announced updated Health Savings Account (HSA) contribution limits for 2026.
HSA Eligibility
To contribute, you must:
Be covered under a qualified High-Deductible Health Plan (HDHP)
Not be enrolled in Medicare
Not be claimed as a dependent on another person’s tax return
Not have other disqualifying coverage (e.g., general-purpose FSA)
This information is for reference only. Please consult your tax advisor for guidance.
2026 New York Paid Family Leave Updates
As we continue to manage New York Paid Family Leave (PFL) for your clients, we want to keep you informed of upcoming changes announced by the New York State Department of Financial Services (DFS) for 2026.
Effective January 1, 2026, the following updates apply:
Contribution Rate: 0.432% with an annual maximum employee contribution of $411.91. The annual employee wage cap will be $95,348.76.
Benefit Amount: 67% of an employee’s average weekly wage, up to a maximum weekly benefit of $1,228.53, for up to 12 weeks of leave.
Statewide Average Weekly Wage (SAWW): Increases to $1,833.63.
According to the 2025 Insurance Barometer Study, conducted jointly by LIMRA and Life Happens, it is reported that 51% of American adults have some kind of life insurance coverage. With September being Life Insurance Awareness Month, it’s important to focus not only on the importance of life insurance, but the barriers and misconceptions that continue to create ongoing challenges for our industry.
Despite the awareness of life insurance’s importance, several barriers remain. Roughly 74 million Americans who don’t have coverage could benefit from it, while 25 million Americans who have a policy would be better served by increasing their death benefit amount. Additionally, 30 percent of those without coverage recognize the need but have not purchased insurance, mainly due to perceived high costs, uncertainty regarding their health and eligibility for coverage, and other financial priorities.
Overall, the gap between those who have life insurance and those who still need it is significant; thus, emphasizing the importance of addressing misconceptions about cost and underwriting obstacles. This is where your KAFL partners step in. Your Team at KAFL is happy to assist you with prescreening your clients to determine which carrier and product would be most cost-effective for their health, and most beneficial for their overall financial portfolio.
Please contact your Sales Partner, Case Manager, or email newbusiness@kafl.com to learn more.
KAFL Spotlight
We’re proud to share that Jeni Biberstein, MBA was recently featured in the NAILBA Certified Edge Newsletter, where her quote was highlighted among industry leaders. Her experience and perspective continue to represent KAFL on a national stage, showcasing our commitment to excellence and innovation in the brokerage community. Congratulations, Jeni!
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