April 2017 Issue


FOCUS

A New Perspective On Business Planning

With tax reform being a major part of President Trump’s platform and with both houses controlled by the Republicans, many are wondering, “How......

What Will Become Of The ACA?

If you’ve been on pins and needles waiting for a detailed description of the plan President Trump and congressional conservatives have created......

Making The Case For Dental Benefits In The Small Group Market

We all know that small business is the lifeblood of the economic growth in our nation.  No matter how you count the numbers, small business......


Opportunities Are Heating Up In The Business Market

The small business marketplace is huge, diverse and underserved. As a result, it offers financial services professionals a variety of opportunities to provide service, cross-sell products for both personal and business use, and expand......

The Business Insurance Market Is Dead Because Of The Corporate Tax Law Changes That Are Coming

This is what we heard in 1978!  We were told there would be no more deduction for policy loan interest. 

It’s easy to fall into the naysayer’s pit of despair. Often our clients want to tell us what they......

Broker Words

Broker Words

It is with delighted enthusiasm that I here congratulate Cindy Gentry, president of BBA Life Brokerage, named the 2017 recipient of the Billy Vogel Award by The Marketing Alliance at a ceremony during their recent spring meeting.

TMA’s......

General Interest

Seeing Faces

I began my career as an agent for a large mutual insurer. My agent number was 855. Whenever I had occasion to call the home office, the employees first asked, “What is your agent number?” No one called me by name. Years later......

More Than 80 Local Organizations Benefited From Ohio National's Charitable Efforts in 2016

Ohio National Financial Services and its associates made a great impact on the Greater Cincinnati community in 2016 through volunteer and financial support to many charitable organizations.  “Ohio National recognizes the importance......

Marketing Update

Disability Insurance Awareness Month Planning Panel

May is Disability Insurance Awareness Month. The Eugene Cohen Insurance Agency held a disability insurance  event in May, 2016, that attracted over one hundred advisors. Their comments were: “Very informative and motivating.”......

Start a Conversation: A five-step guide for Disability Insurance Awareness Month

As the media landscape continues to evolve, consumers receive an ever more overwhelming amount of information. Getting their attention can be difficult. We know from countless industry studies, including our own, that the typical working......

Monthly Commentary

The Mind-Game Of Seminars

Conducting presentations is one big mind-game.  I believe it is the mind-games that presenting plays on us that makes presenting the number one fear in America in study after study.  Just google “America’s #1 fear”......

Gunning For Preferred

In the competitive world of life insurance underwriting, the standard policy often isn’t good enough.  In fact, when compared with preferred and super preferred illustrations, it seems to both broker and client as if it were......

Stand-Alone HRAs For Small Employers

The 21st Century Cures Act, signed by President Obama on December 13, 2016, gave small employers a means of providing employees help with their individual insurance premiums and other out-of-pocket qualified medical expenses without violating......

Even Great Executives Need Disability Insurance Advice

I recall the Los Angeles Times newspaper carrying an article with the headline: “Executive On Leave Since Injury.”  The article was of local and national importance because it involved the CEO of a large national......

TDFs And GLWBs

Twenty three years ago Target Date Funds (TDFs) were created as a one-stop solution for retirement planning. The story behind TDFs is one of simplicity: Pick the date you will retire and professionals will manage your money with an eye......

Armatures, Bricks and Firewalls

I am perpetually amazed at the degree of cognitive dissonance stirred up in my own mind every time I ask myself this most basic rhetorical question:  “How can anyone in their right mind ignore the probability of an expensive......

News Releases

Allianz Life

Allianz Life Insurance Company of North America (Allianz Life®) announced that they will donate $100,000 to four local charities in 2017 through the company’s Employee-Elected Charities program. Based on employee voting, the......

Ohio National Introduces New Fixed Indexed Annuity

Ohio National Financial Services is pleased to announce it has launched a new fixed indexed annuity designed to help customers reach their long-term retirement goals.  

The ONdex fixed indexed annuity, which joins the company’s......

The American College

The American College of Financial Services, the nation’s only nonprofit, accredited college devoted to financial services, has launched a scholarship program aimed at increasing the number of African Americans in the financial services......