James Palmiotto

UNIT SALES MANAGER - INSURANCE PRODUCER

BANKERS LIFE AND CASUALTY COMPANY

Financial Advisor, Bankers Life Securities, Inc.

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Articles & News recommended by James Palmiotto

Help Control Where You Receive Care with Long-Term Care Insurance

3/6/20

Long-term care requires significant assets, so many people turn to long-term care insurance. Find out how it can help you control where you receive care.

READ MORE

How the SECURE Act Affects Your IRAs

2/20/20

You’ve probably heard about the SECURE Act, but you may not be sure if and how it affects you personally. The reality is, the Setting Every Community up for Retirement Enhancement Act of 2019, (SECURE Act), affects every single American who’s saving for retirement.

READ MORE

5 Ways to Prepare Your Home for Aging in Place

2/6/20

Many Baby Boomers want to age in place or stay in their own homes as they get older. Here are some ways to help prepare your home for aging in place.

READ MORE

What is Life Insurance?

7/22/19

Many Americans lack understanding about life insurance. Check out our guide to learn all about the different types and find out if it’s right for you.

READ MORE

Annuities for Retirement

5/1/19

A retirement annuity offers a way to protect the money you’ve saved, while providing extra retirement income. Learn more on our blog!

READ MORE

14 Medicare Terms to Know

4/16/19

Studies show many pre-Medicare adults have low confidence in their ability to understand insurance terms. Here’s a glossary of Medicare words to know.

READ MORE

View this video on YouTube

Featured Videos

Do you have six months’ worth saved of living expenses?
Use life insurance to help protect your family’s future.

Do you have six months’ worth saved of living expenses? Use life insurance to help protect your family’s future.

View this video on YouTube

Featured Videos

Life insurance that pays benefits while you’re living? Beyond just covering funeral expenses, certain Bankers Life policies offer living benefits...
Read MoreClick to expand this description and continue reading

Life insurance that pays benefits while you’re living?
Beyond just covering funeral expenses, certain Bankers Life policies offer living benefits, which can be used to help replace lost income or other needs.
Read LessClick to collapse this description

Life insurance that pays benefits while you’re living? Beyond just covering funeral expenses, certain Bankers Life policies offer living benefits, which can be used to help replace lost income or other needs.

View this video on YouTube

Featured Videos

Universal life insurance can play a vital role in your retirement strategy. It provides long-term, permanent life insurance coverage plus more!

Universal life insurance can play a vital role in your retirement strategy. It provides long-term, permanent life insurance coverage plus more!

View this video on YouTube

Featured Videos

Find out how life insurance can be an important aspect of retirement planning. Learn about the different types of life insurance and why life insu...
Read MoreClick to expand this description and continue reading

Find out how life insurance can be an important aspect of retirement planning. Learn about the different types of life insurance and why life insurance is important for everyone, no matter their age.
Read LessClick to collapse this description

Find out how life insurance can be an important aspect of retirement planning. Learn about the different types of life insurance and why life insurance is important for everyone, no matter their age.

View this video on YouTube

Featured Videos

Let our knowledgeable agents help take some of the confusion out of Medicare Supplement insurance. In our video you will learn how a Bankers Life a...
Read MoreClick to expand this description and continue reading

Let our knowledgeable agents help take some of the confusion out of Medicare Supplement insurance. In our video you will learn how a Bankers Life agent can help you make your important insurance decisions.
Read LessClick to collapse this description

Let our knowledgeable agents help take some of the confusion out of Medicare Supplement insurance. In our video you will learn how a Bankers Life agent can help you make your important insurance decisions.

View this video on YouTube

Featured Videos

Bankers Life and Casualty Company clients Rick and Jan Tshudy of Palmyra, Pennsylvania share their story about choosing critical illness insurance.

Bankers Life and Casualty Company clients Rick and Jan Tshudy of Palmyra, Pennsylvania share their story about choosing critical illness insurance.

About Bankers Life

Strength in numbers
The Bankers Life agent force ranks among the top in the nation, with more than 4,200 dedicated agents in more than 260 sales offices. In 2018, we served more than 1.5 million policyholders and managed over $17 billion in assets.

Extensive product portfolio
As you enter and navigate retirement, Bankers Life will be by your side every step of the way, helping to protect your financial security. Our extensive product portfolio includes life insurance, supplemental health insurance and annuities.

Service you can trust
Our agents live in the communities they serve and travel to clients’ homes and businesses. They can show you how to help safeguard against unexpected health costs, generate guaranteed income, protect your loved ones and promote an enduring legacy.

Community involvement
Bankers Life is proud to support the Alzheimer’s Association® and Meals on Wheels Chicago, two outstanding community partners that share our commitment to causes affecting our customers and their families.

bankerslife.com

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COLONIAL PENN, BANKERS LIFE AND THEIR LICENSED AGENTS/PRODUCERS ARE NOT CONNECTED WITH OR ENDORSED BY THE US GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.\n\nPolicies may have limitations and exclusions. For costs and complete details of coverage, contact the agent/producer.\n\nThese products and their features and riders may not be available in all states. Bankers Life and Casualty Company is not licensed in and does not solicit business in New York.\n\nThis is an insurance solicitation. A licensed insurance agent/producer may contact you.\n\nBankers Life is a marketing brand of various subsidiaries of CNO Financial Group, Inc., including Bankers Life Securities, Inc., Bankers Life Advisory Services, Inc., Bankers Life and Casualty Company and select policies sold in New York by Bankers Conseco Life Insurance Company (BCLIC). BCLIC is authorized to sell insurance in New York.\n\nNon-affiliated insurance products are offered through Bankers Life Securities General Agency, Inc. (dba BL General Insurance Agency, Inc., AK, AL, CA, NV, PA). Securities and variable annuity products and services are offered by \u003cstrong class=\"Footer-text--underline\"\u003eBankers Life Securities, Inc\u003c/strong\u003e. Member \u003ca href=\"http://www.finra.org/\"\u003eFINRA\u003c/a\u003e/\u003ca href=\"https://www.sipc.org/\"\u003eSIPC\u003c/a\u003e, (dba BL Securities, Inc., AL, GA, IA, IL, MI, NV, PA).  Advisory products and services are offered by Bankers Life Advisory Services, Inc. SEC Registered Investment Adviser (dba BL Advisory Services, Inc., AL, GA, IA, MT, NV, PA). \u003cstrong\u003eInvestments are: Not Guaranteed—Involve Risk—May Lose Value\u003c/strong\u003e. Home Office: 111 East Wacker Drive, Suite 1900, Chicago, IL 60601 Bankers Life Securities Customer Call Center: (844) 553-9083.\n\nMedicare Supplement insurance underwritten by Colonial Penn Life Insurance Company. All other lines of insurance are underwritten by Bankers Life and Casualty Company.","GMB tracking tag":null,"Geomodifier":null,"Hero Image":null,"Licensed In":null,"Location Page Meta Description":null,"Location Page Meta Title":null,"Location Photo":null,"Locator Zip Codes":[],"Pages - Agent About Section Description":"\u003cstrong\u003eStrength in numbers\u003c/strong\u003e\nThe Bankers Life agent force ranks among the top in the nation, with more than 4,200 dedicated agents in more than 260 sales offices. In 2018, we served more than 1.5 million policyholders and managed over $17 billion in assets.\n\n\u003cstrong\u003eExtensive product portfolio\u003c/strong\u003e\nAs you enter and navigate retirement, Bankers Life will be by your side every step of the way, helping to protect your financial security. Our extensive product portfolio includes life insurance, supplemental health insurance and annuities.\n\n\u003cstrong\u003eService you can trust\u003c/strong\u003e\nOur agents live in the communities they serve and travel to clients’ homes and businesses. They can show you how to help safeguard against unexpected health costs, generate guaranteed income, protect your loved ones and promote an enduring legacy.\n\n\u003cstrong\u003eCommunity involvement\u003c/strong\u003e\nBankers Life is proud to support the Alzheimer’s Association® and Meals on Wheels Chicago, two outstanding community partners that share our commitment to causes affecting our customers and their families.","Pages - Agent About Section Link":"https://www.bankerslife.com","Pages - Agent About Section Link Text":"bankerslife.com","Pages - Agent About Section Title":"About Bankers Life","Pages - Agent About section photo":{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":223,"url":"//dynl.mktgcdn.com/p/acFfnvbuheK1VrC08pYWlQ2iploCch8GXBDF9Vi7aGM/196x223.png","width":196}]},"Pages - Agent Bankers Life Designations":null,"Pages - Agent Business Philosophy":"Helping my clients protect their financial security as they plan for retirement is important to me. 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It provides long-term, permanent life insurance coverage plus more!","youtubeId":"jDdA2kC0a_w"},{"description":"Find out how life insurance can be an important aspect of retirement planning.  Learn about the different types of life insurance and why life insurance is important for everyone, no matter their age.","youtubeId":"jOk9Eoo2yWg"},{"description":"Let our knowledgeable agents help take some of the confusion out of Medicare Supplement insurance. 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Visit \u003ca href=\"https://brokercheck.finra.org/\"\u003ebrokercheck.org\u003c/a\u003e.\n\nMedicare Supplement insurance policies are underwritten by Colonial Penn Life Insurance Company. COLONIAL PENN, BANKERS LIFE AND THEIR LICENSED AGENTS/PRODUCERS ARE NOT CONNECTED WITH OR ENDORSED BY THE US GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.\n\nPolicies may have limitations and exclusions. For costs and complete details of coverage, contact the agent/producer.\n\nThese products and their features and riders may not be available in all states. Bankers Life and Casualty Company is not licensed in and does not solicit business in New York.\n\nThis is an insurance solicitation. A licensed insurance agent/producer may contact you.\n\nBankers Life is a marketing brand of various subsidiaries of CNO Financial Group, Inc., including Bankers Life Securities, Inc., Bankers Life Advisory Services, Inc., Bankers Life and Casualty Company and select policies sold in New York by Bankers Conseco Life Insurance Company (BCLIC). BCLIC is authorized to sell insurance in New York.\n\nNon-affiliated insurance products are offered through Bankers Life Securities General Agency, Inc. (dba BL General Insurance Agency, Inc., AK, AL, CA, NV, PA). Securities and variable annuity products and services are offered by \u003cstrong class=\"Footer-text--underline\"\u003eBankers Life Securities, Inc\u003c/strong\u003e. Member \u003ca href=\"http://www.finra.org/\"\u003eFINRA\u003c/a\u003e/\u003ca href=\"https://www.sipc.org/\"\u003eSIPC\u003c/a\u003e, (dba BL Securities, Inc., AL, GA, IA, IL, MI, NV, PA).  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(dba BL General Insurance Agency, Inc., AK, AL, CA, NV, PA). Securities and variable annuity products and services are offered by \u003cstrong class=\"Footer-text--underline\"\u003eBankers Life Securities, Inc\u003c/strong\u003e. Member \u003ca href=\"http://www.finra.org/\"\u003eFINRA\u003c/a\u003e/\u003ca href=\"https://www.sipc.org/\"\u003eSIPC\u003c/a\u003e, (dba BL Securities, Inc., AL, GA, IA, IL, MI, NV, PA).  Advisory products and services are offered by Bankers Life Advisory Services, Inc. SEC Registered Investment Adviser (dba BL Advisory Services, Inc., AL, GA, IA, MT, NV, PA). \u003cstrong\u003eInvestments are: Not Guaranteed—Involve Risk—May Lose Value\u003c/strong\u003e. Home Office: 111 East Wacker Drive, Suite 1900, Chicago, IL 60601 Bankers Life Securities Customer Call Center: (844) 553-9083.\n\nMedicare Supplement insurance underwritten by Colonial Penn Life Insurance Company. 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Visit \u003ca href=\"https://brokercheck.finra.org/\"\u003ebrokercheck.org\u003c/a\u003e.\n\nMedicare Supplement insurance policies are underwritten by Colonial Penn Life Insurance Company. COLONIAL PENN, BANKERS LIFE AND THEIR LICENSED AGENTS/PRODUCERS ARE NOT CONNECTED WITH OR ENDORSED BY THE US GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.\n\nPolicies may have limitations and exclusions. For costs and complete details of coverage, contact the agent/producer.\n\nThese products and their features and riders may not be available in all states. Bankers Life and Casualty Company is not licensed in and does not solicit business in New York.\n\nThis is an insurance solicitation. A licensed insurance agent/producer may contact you.\n\nBankers Life is a marketing brand of various subsidiaries of CNO Financial Group, Inc., including Bankers Life Securities, Inc., Bankers Life Advisory Services, Inc., Bankers Life and Casualty Company and select policies sold in New York by Bankers Conseco Life Insurance Company (BCLIC). BCLIC is authorized to sell insurance in New York.\n\nNon-affiliated insurance products are offered through Bankers Life Securities General Agency, Inc. (dba BL General Insurance Agency, Inc., AK, AL, CA, NV, PA). Securities and variable annuity products and services are offered by \u003cstrong class=\"Footer-text--underline\"\u003eBankers Life Securities, Inc\u003c/strong\u003e. Member \u003ca href=\"http://www.finra.org/\"\u003eFINRA\u003c/a\u003e/\u003ca href=\"https://www.sipc.org/\"\u003eSIPC\u003c/a\u003e, (dba BL Securities, Inc., AL, GA, IA, IL, MI, NV, PA).  Advisory products and services are offered by Bankers Life Advisory Services, Inc. SEC Registered Investment Adviser (dba BL Advisory Services, Inc., AL, GA, IA, MT, NV, PA). \u003cstrong\u003eInvestments are: Not Guaranteed—Involve Risk—May Lose Value\u003c/strong\u003e. Home Office: 111 East Wacker Drive, Suite 1900, Chicago, IL 60601 Bankers Life Securities Customer Call Center: (844) 553-9083.\n\nMedicare Supplement insurance underwritten by Colonial Penn Life Insurance Company. All other lines of insurance are underwritten by Bankers Life and Casualty Company.    \n\nBankers Life Financial Advisors (FA) and Investment Adviser Representative (IAR) may not be authorized to conduct business or provide investment services in every state and jurisdiction. Before an FA and/or IAR is permitted to open a client account or provide investment services, we determine if the FA and/or IAR is appropriately authorized to provide such services in the state where the client is located.","GMB tracking tag":null,"Geomodifier":null,"Hero Image":null,"Licensed In":"FL","Location Page Meta Description":null,"Location Page Meta Title":null,"Location Photo":{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":330,"url":"//dynl.mktgcdn.com/p/RSsC8YF0NcE1mMSr2e7RZva4sE8fXekG0m39OlGeNVw/290x330.png","width":290},{"height":223,"url":"//dynl.mktgcdn.com/p/RSsC8YF0NcE1mMSr2e7RZva4sE8fXekG0m39OlGeNVw/196x223.png","width":196}]},"Locator Zip Codes":[],"Pages - Agent About Section Description":"\u003cstrong\u003eStrength in numbers\u003c/strong\u003e\nThe Bankers Life agent force ranks among the top in the nation, with more than 4,200 dedicated agents in more than 260 sales offices. In 2018, we served more than 1.5 million policyholders and managed over $17 billion in assets.\n\n\u003cstrong\u003eExtensive product portfolio\u003c/strong\u003e\nAs you enter and navigate retirement, Bankers Life will be by your side every step of the way, helping to protect your financial security. Our extensive product portfolio includes life insurance, supplemental health insurance and annuities.\n\n\u003cstrong\u003eService you can trust\u003c/strong\u003e\nOur agents live in the communities they serve and travel to clients’ homes and businesses. They can show you how to help safeguard against unexpected health costs, generate guaranteed income, protect your loved ones and promote an enduring legacy.\n\n\u003cstrong\u003eCommunity involvement\u003c/strong\u003e\nBankers Life is proud to support the Alzheimer’s Association® and Meals on Wheels Chicago, two outstanding community partners that share our commitment to causes affecting our customers and their families.","Pages - Agent About Section Link":"https://www.bankerslife.com","Pages - Agent About Section Link Text":"bankerslife.com","Pages - Agent About Section Title":"About Bankers Life","Pages - Agent About section photo":{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":223,"url":"//dynl.mktgcdn.com/p/acFfnvbuheK1VrC08pYWlQ2iploCch8GXBDF9Vi7aGM/196x223.png","width":196}]},"Pages - Agent Bankers Life Designations":null,"Pages - Agent Business Philosophy":null,"Pages - Agent CTA 1 Text":"Request an Appointment","Pages - Agent CTA 2 Text":"Get a quote","Pages - Agent Community Involvement":null,"Pages - Agent Coursework":null,"Pages - Agent Education":null,"Pages - Agent Event Section Title":null,"Pages - Agent FA Designations":null,"Pages - Agent FA Philosophy":"Helping clients to build on their financial goals as they plan for retirement. 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It provides long-term, permanent life insurance coverage plus more!","youtubeId":"jDdA2kC0a_w"},{"description":"Find out how life insurance can be an important aspect of retirement planning.  Learn about the different types of life insurance and why life insurance is important for everyone, no matter their age.","youtubeId":"jOk9Eoo2yWg"},{"description":"Let our knowledgeable agents help take some of the confusion out of Medicare Supplement insurance. In our video you will learn how a Bankers Life agent can help you make your important insurance decisions.","youtubeId":"VRKF32I7v8o"},{"description":"Bankers Life and Casualty Company clients Rick and Jan Tshudy of Palmyra, Pennsylvania share their story about choosing critical illness insurance.","youtubeId":"Acsjj0a-M1I"}],"Pages URL":"https://agents.bankerslife.com/fl/clearwater/73-park-place-blvd/nicholas-beane","Profile Type":["Agent"],"Recognition Banner":null,"Recognition Date":null,"Recognition Text":null,"State License Numbers":"E042778","Territory":"SE","Title":"Unit Sales Manager"},"description":"I am an agent licensed to sell insurance through Bankers Life and Casualty Company. I am acting as an agent and the views expressed are my own and not that of Bankers Life.  Bankers Life is the marketing brand of Bankers Life and Casualty Company, select policies sold by Colonial Penn Life Insurance Company and select policies sold in New York by Bankers Conseco Life Insurance Company (BCLIC). BCLIC is authorized to sell insurance in New York. Policies are subject to state availability.\n \nBankers Life is a marketing brand of various subsidiaries of CNO Financial Group, Inc., including Bankers Life Securities, Inc., Bankers Life Advisory Services, Inc., Bankers Life and Casualty Company and select policies sold in New York by Bankers Conseco Life Insurance Company (BCLIC). BCLIC is authorized to sell insurance in New York.\n\nNon-affiliated insurance products are offered through Bankers Life Securities General Agency, Inc. (dba BL General Insurance Agency, Inc., AK, AL, CA, NV, PA). Securities and variable annuity products and services are offered by Bankers Life Securities, Inc. Member FINRA/SIPC, (dba BL Securities, Inc., AL, GA, IA, IL, MI, NV, PA). Advisory products and services are offered by Bankers Life Advisory Services, Inc. SEC Registered Investment Adviser (dba BL Advisory Services, Inc., AL, GA, IA, MT, NV, PA). Investments are: Not Guaranteed—Involve Risk—May Lose Value. 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Visit \u003ca href=\"https://brokercheck.finra.org/\"\u003ebrokercheck.org\u003c/a\u003e.\n\nMedicare Supplement insurance policies are underwritten by Colonial Penn Life Insurance Company. COLONIAL PENN, BANKERS LIFE AND THEIR LICENSED AGENTS/PRODUCERS ARE NOT CONNECTED WITH OR ENDORSED BY THE US GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.\n\nPolicies may have limitations and exclusions. For costs and complete details of coverage, contact the agent/producer.\n\nThese products and their features and riders may not be available in all states. Bankers Life and Casualty Company is not licensed in and does not solicit business in New York.\n\nThis is an insurance solicitation. A licensed insurance agent/producer may contact you.\n\nBankers Life is a marketing brand of various subsidiaries of CNO Financial Group, Inc., including Bankers Life Securities, Inc., Bankers Life Advisory Services, Inc., Bankers Life and Casualty Company and select policies sold in New York by Bankers Conseco Life Insurance Company (BCLIC). BCLIC is authorized to sell insurance in New York.\n\nNon-affiliated insurance products are offered through Bankers Life Securities General Agency, Inc. (dba BL General Insurance Agency, Inc., AK, AL, CA, NV, PA). Securities and variable annuity products and services are offered by \u003cstrong class=\"Footer-text--underline\"\u003eBankers Life Securities, Inc\u003c/strong\u003e. Member \u003ca href=\"http://www.finra.org/\"\u003eFINRA\u003c/a\u003e/\u003ca href=\"https://www.sipc.org/\"\u003eSIPC\u003c/a\u003e, (dba BL Securities, Inc., AL, GA, IA, IL, MI, NV, PA).  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