In this episode, Chad Preston sits down with veteran advisor Ed Steffens to unpack how life insurance evolved from an uncomfortable topic into a core responsibility within his practice. Ed shares how a real-life client tragedy reshaped his perspective, turning life insurance from a "nice-to-have" into a moral and professional obligation.

They dive into practical ways to introduce life insurance without pressure, why a direct approach works better than overthinking it, and how advisors can build confidence through repetition and real conversations. You'll also hear actionable strategies for the next 60–90 days to help you naturally integrate life insurance into your process, and why doing so ultimately comes down to care, not sales.

If you've ever hesitated to bring it up, this episode will challenge that and give you a straightforward path forward.

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