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The pace of change in insurance has never been faster. In this episode, carrier leaders unpack what’s driving new product design, evolving underwriting approaches, and modern distribution strategies — and what those shifts mean for financial professionals and their client relationships.

Crump Host: Joe Johns, Chief Strategy & Operations Officer

Guests: 

• MassMutual Strategic Distributors: Josh Lubas, CLTC, ALHC, Head of Life & Disability Distribution
• Lincoln Financial: Stevan Cohen, VP, National Sales Manager
• Banner Life: Fred Tavan, SVP, Chief Pricing Officer, Chief Actuary

 
This episode is part of Crump’s Insurance Influencer series — conversations with carriers, independent financial professionals, and institutional organizations on how risk management solutions are evolving. Carrier Perspective — Episode 1 of 5. 

Disclosure:
Stevan Cohen is a registered representative of Lincoln Financial Distributors, Inc., a wholesaling broker-dealer affiliate of Lincoln Financial. Remarks are the participants' thoughts only and are not necessarily representative of Lincoln Financial. Lincoln is not affiliated with the other carriers mentioned.

For Financial Professional Use Only. Products and programs offered through Crump are not approved for use in all states. Not all applicants will qualify for coverage. Policy terms, conditions, and limitations will apply. Crump does not provide any tax or legal advice. Insurance products are available through Crump Life Insurance Services, LLC, AR License #100103477. Variable insurance material is for broker-dealer or registered representative use only.