Many business owner clients face the same problem, but rarely plan for it correctly. One child takes over the business. The others do not. That is where estate equalization becomes essential. In this episode of the Life Linked Podcast, Morgan sits down with Ron Lee, Vice President of Advanced Markets at Mutual of Omaha, to walk through how advisors can navigate these complex conversations with confidence.

They break down how to structure fair outcomes when assets like a business or farm cannot be divided, why equal does not always mean fair, and how a lack of planning can lead to family conflict, legal disputes, or even the collapse of the business itself. If you advise business owners, this episode will help you lead better planning conversations, uncover hidden risks, and deliver more complete solutions that go beyond the numbers.

• Where advisors most often leave revenue on the table
• How to prioritize outreach instead of guessing who to call
• Why proactive policy reviews protect against client churn
• What separates advisors who grow consistently from those who stay reactive

Zach Gosselin joins Life Linked to break down how life insurance conversations are changing as clients become more skeptical and distracted. He explains why advisors must lead with risk and outcomes, not product, and highlights the biggest gaps he sees: weak positioning, stalled underwriting momentum, and outdated coverage. Zach shares when permanent vs. term makes sense, why conversion options matter, and a simple question to open better conversations. Action step: build a "top 10" client list and run quick coverage gap check-ins to uncover needs before they become disasters.

In this episode, John Felton and Zach Gosselin break down why year-end is the most important time for advisors to plan ahead and where the real opportunities for growth will come from in 2026. The discussion covers key industry trends, effective use of permanent life solutions, and the continued role of annuities, and how advisors can help business owners with employee retention strategies using life insurance benefits.

The conversation also highlights how TBA is supporting advisors with new tools, technology, and back-office resources to drive efficiency and results. John and Zach close with practical guidance on the client conversations advisors should be having now, December best practices to start January strong, and one clear piece of advice to help advisors enter 2026 prepared, focused, and positioned to win.

In this episode, we sit down with John Felton, President of Tennessee Brokerage Agency, to break down what TBA Awareness Month is all about and why it matters for advisors. John walks through how TBA stands out as a true partner: offering hands-on case support, product expertise, and business-growth strategies that many advisors don't realize they have at their fingertips.

We cover the key tools and resources available throughout the year, including help with permanent life and annuity opportunities, and the technology and back-office solutions that make an advisor's practice run more efficiently. John also shares real examples of how TBA has supported advisors in meaningful, practical ways.

Whether you're already working with TBA or just getting to know us, this episode gives you a clear picture of how to take advantage of TBA Awareness Month and how to position your practice for year-end planning and a strong start to 2026. Advisors looking for guidance, clarity, or a trusted partner will find plenty to take away from this conversation.

In this episode, we sit down with Kathryn Kinnanne, TBA's in-house annuity specialist, for a practical, straight-forward look at what's happening in the annuity world right now. Kathryn breaks down why fixed annuities are seeing some of the strongest rates in more than a decade, how rising and falling treasury rates shape the market, and why advisors are giving annuities a fresh look as part of their income planning strategies.

She also tackles common misconceptions, explains how carriers are adjusting their products for today's environment, and shares how longer life expectancies are changing the way clients think about guaranteed income. Kathryn takes us through the growing role of indexed annuities, the impact of new technology on the application process, and what she believes will separate successful advisors from those who get left behind.

Whether you're already working with annuities or you're looking for ways to better support clients preparing for retirement, Kathryn brings clear, actionable insights you can use right away.

Her biggest reminder? Stay tuned in to your clients' lives, pay attention to the cues they're giving you, and remember — you don't have to know everything, just know who to call. TBA is here to help.

In this episode, Morgan sits down with Mark Householder - SVP of Business Solutions at Principal Financial Group - to unpack the biggest takeaways from the 2025 Principal Business Owner Insights Study.

From business protection and succession planning to key employee benefits and retirement solutions, we break down what's driving decisions in 2025 and how advisors can turn data into opportunity. Mark shares practical strategies, overlooked blind spots (like outdated buy-sell agreements), and how top advisors are positioning themselves as trusted partners – not just product providers.

Whether you're supporting multi-generational family businesses or next-gen entrepreneurs, this episode offers real-world insight you can use today to deepen relationships and expand your business.

Permanent life insurance is often misunderstood as just a death benefit, but it's so much more than that. In this episode, TBA Vice President Zach Gosselin breaks down what advisors really need to know to position permanent life insurance effectively with clients.

Zach shares clear, practical ways to explain the difference between term and permanent coverage, how to set realistic expectations around cash value accumulation, and when permanent life does—and doesn't—make sense. He also dives into integrating life insurance into broader financial and estate strategies, avoiding common advisor mistakes, and navigating compliance when illustrating these products.

If you want to elevate your client conversations and uncover the living benefits that make permanent life such a powerful financial tool, this episode is a must-listen.