Seizing The Opportunity

The time has come to take another look at life insurance and reevaluate the role it can play within an overall financial strategy. While term insurance certainly is important, more attention needs...... 

Buy/Sell Success With VUL

When was the last time you wanted to reach out into the business market with a new sales idea?  We have all worked through the process of “funding” buy/sell plans and as soon as...... 

The One That You Feed

As I contemplate the often tumultuous and topsy-turvy long term care industry of 2018, I am reminded of how much it remains unchanged from the industry that I entered nearly twenty years ago. Certainly...... 

Dear Actuary,

What is the impact of the recently passed Tax Reform on federal long term care insurance deductibility for business owners?  —Taxed in Texas

Dear Taxed,

The...... 

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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