August 2017 Issue


FOCUS

Meeting The Life Insurance Needs Of Affluent Foreign Nationals

With increasing globalization, more and more affluent foreign nationals have a presence in the United States. It is estimated that affluent foreign......

Niche Product Marketing

The personal lines, corporate and employee benefits insurance industries are chock-full of products and programs with which many of you are very......

Visualizing A Long Term Care Insurance Plan

The first in a three part series on LTCI planning solutions

We are in the midst of a renaissance in long term......


Broker Words

Broker Words

Brokerage Marketing Opportunities should bring to mind myriad possibilities, some of which are explored here either in Focus, General Interest or Monthly Commentary.  Life insurance for foreign nationals, niche marketing......

General Interest

Same-Sex Marriages, Domestic Partnerships, And COBRA

June marked the anniversaries of two noteworthy United States Supreme Court decisions concerning same-sex American couples.

On June 26, 2013, the Supreme Court held in United States v. Windsor that Section 3 of the......

Level-headed Leadership

Change happens. It’s ubiquitous. And it can be tumultuous—especially in the case of the Department of Labor Conflicts of Interest Rule, aka the Fiduciary Rule. 

4 Lessons From Ben Feldman To Increase Your Sales

Back in the early 1980’s, I had the opportunity to know Jack Wardlaw. Jack was consistently the top agent with Philadelphia Life and author of several books on selling.

Marketing Update

2017 Analysis Of Worksite LTC Insurance

The Milliman Long Term Care Insurance Survey has been published in Broker World magazine annually since 2005 and has covered worksite long term care insurance (LTCI) in detail since 2011. The worksite multi-life market (WS) consists......

Stand Out At The Worksite: 4 Ideas To Make A Client's Job Easier

Commonly considered a nice “add-on” feature for a benefits program just a few years ago, voluntary products are now a necessity at the worksite. 

The market is thriving and experts see the demand for products......

Monthly Commentary

You Are The Pilot Of The Plane

About ten years ago I had a 6:00 am Southwest flight out of Omaha to Phoenix.  I was dead tired because I had to wake up at 3:30 am to get on the flight but I dragged myself to the airport. Waiting at the gate to get on the airplane......

Insurance With HIV

From the initial recognition of HIV virus in 1981, HIV infection has turned from an almost universally fatal infection, to one that could be managed with medication to extend life, to a disease which can be controlled with newer and revolutionary......

Family And Medical Leave Act (FMLA) And Flexible Benefits Plans

This article examines the rules for participants going on an unpaid Family and Medical Leave Act (FMLA) leave. Regulation 1.125-3 summarizes employees’ rights to continue or revoke coverage and cease payment for healthcare flexible......

Disability Insurance In America—The Crucial Subsidiary Of The Life Insurance Industry

The disability insurance industry in America is at a crossroads.  One road leads to oblivion because many insurers have chosen to exit this business.  The other road leads to monopoly because only a few life insurers have chosen......

Little Known Insurance And Annuity Facts

Noah purchased the first flood insurance policy. Unfortunately, he was unable to collect because the insurance company went under.

The first insurer to issue life income annuities, Mesopotamia Life & Accident Company, was......

Timing

Time worn clichés do have a way of appearing on a regular basis in this column. I am only marginally contrite but I do apologize. It’s just the convenience of immediately defining exactly the concept you are trying to illuminate.......

News Releases

Allianz Life

Allianz Life Insurance Company of North America has hired Tobias Fritsch as chief operating officer for the Allianz Investment Management (AIM) division. In his new role, Fritsch will be responsible for enabling all hedging,......

Ohio National

For individuals who are currently at or nearing retirement age and looking for a way to increase their retirement income,1 Ohio National Financial Services has introduced a new ONdex fixed indexed annuity (FIA) rider. 

The......

One America

New research shows that all long term care protection is not created equal. Asset-based long-term care stands out as leading option for consumers due to premium and benefit guarantees.

A recent concept report based on research......

LifeMark Partners

LifeMark Partners, Inc., one of the nation’s largest independent national insurance marketing organizations, today announced a new member to its board of directors: Douglas A. Mishkin, president and CEO of Algren......

Allianz Life

Allianz Life Insurance Company of North America recently announced the launch of accelerated underwriting and ApplyNOW, new technology available to help streamline the application process for Allianz Life Pro+® Fixed Index Universal......

NAIFA

The National Association of Insurance and Financial Advisors (NAIFA)–the founders of the Life Underwriter Training Council Fellow (LUTCF) designation–present a new international certification, the Life and Annuity Certified......