Why increasing longevity demands a new kind of family planning We’re living in an era where people are not only living longer, they’re living much longer than any previous generation ever expected. Modern medicine has done an incredible job of helping us extend life. But longevity comes with an uncomfortable truth: We’re great at keeping people alive. We’re not always great at keeping them healthy. For many families, that gap becomes a financial and emotional burden that no o

October 2025  - NFP Insurance Solutions is pleased to welcome Charles Gelman  to our team as an Associate. Charles supports the firm across Case Design, Underwriting, Service, and Production, contributing to the delivery of sophisticated insurance and planning strategies for clients and their advisors. Charles joins NFP Insurance Solutions with a background in psychology and behavioral science, bringing a thoughtful and analytical approach to client engagement and problem-sol

By: Steve Schaumberger I have been in the insurance business for over three decades. Over the past few years, I have developed a strong understanding of annuities and personally purchased several as part of my own portfolio. What I’ve learned during this process has truly been eye-opening. Specifically, annuities have a great deal in common with the famous marshmallow test which was conducted in the late 1960s . Let me explain. In the original experiment at Stanford Universit