What Do Employers See In Critical Illness Insurance?

As the popularity of voluntary benefits continues to take off, it’s safe to say that supplemental health products have reached the mainstream at the worksite. Newer products like accident,...... 

Selling Insurance In A Mobile World: How Mobile Is Changing The Sales Landscape

The business of selling life insurance is going through one of the most transformational changes it has experienced in the past half century—and this transformation is being driven by mobile...... 

Surprise Bills Strike Again: What Your Clients Need To Know

Health plans, employers and members are experiencing unexpected and very unpleasant surprises following certain complex surgical procedures, usually spine-related. The surprises are coming in the...... 

Dear Actuary,

My most important client just received a long term care insurance rate increase. What should he do with his existing policy and should I consider a new carrier for his LTCI coverage?  —Fearful...... 

Relief Extension For Hurricanes And Wildfires

The Department of Labor (DOL) issued compliance guidance for employee benefit plans impacted by Hurricane Maria and the California wildfires of October 2017 in the DOL news Release 17-1555-NAT.  

This guidance, in...... 

Creating Reliable Retirement Through Accumulation Guarantees

In late December congress passed the most sweeping overhaul of the tax system in over 30 years. That news, coupled with last year’s double-digit market gains and low volatility, has bolstered many Wall Street analysts to forecast...... 

Indexed Universal Life

One Monday morning in October 1987 I couldn’t have been more grateful. I awoke from a bad dream—one in which I thought a bear was shaking my cabin. I was on a hunting getaway at the family cabin in Sanpete County, UT. It took...... 


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