September 2010 Issue


FOCUS

Suitable Rider Sales Standards

Douglas E. Price

Understanding riders may well be as important to sales suitability and the decision-making process as the underlying......

The Power Of The Rainbow And Global Crediting Methods

Charles Scott Blundo

A review of an uncapped indexed annuity crediting method using the S&P 500 Index, Dow Eurostoxx-50, Hong Kong......

GLWBs: The Guaranteed-Lifetime-Income King

Dan Beatrice

Guaranteed Lifetime withdrawl benefit riders have been around for only a half dozen years, but they are the perfect

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Special Focus

2010 Individual Long Term Care Insurance Survey

Twelfth annual comprehensive survey of 35 individual long term care products from 20 carriers.

Web Exclusive Content

Growth Opportunities For Brokers, Affordable Solutions For Consumers

Susan Fowler

With the health insurance industry entering a prolonged period of change, ancillary products can offer brokers long term opportunities for growth and an expanded client base.

Worksite LTC Insurance Prospecting:

Phyllis Shelton

There’s a little black lab at our house named Jed Clampett, whom we affectionately refer to as our Tennessee mini-lab.

Broker Words

Broker Words

By now we’ve all heard about and had a few weeks to celebrate the repeal of 151A.

After a two-year battle with the Securities and Exchange Commission over the status of indexed annuities, the District of Columbia......

General Interest

Avoiding A Key Employee Exodus

Peter McCarthy and Randy Kemnitz

As the economy rebounds, life insurance has the potential to help business owners lock in their key employees and grow their businesses.

Spreadsheeting CLASS And Private LTC Insurance:

Terry Trusedell and Marilee Driscoll

As the LTC insurance industry contemplates a post-CLASS environment, using a spreadsheet comparison for CLASS and private LTC does a disservice to all.

Thyroid Cancer

Joanne Mambretti

Underwriting considerations when your client/applicant had been diagnosed with thyroid cancer.

Dynasty Trusts Are Forever

John Budihas

Tax roadblocks wealthy American families encounter when transferring their legacies to heirs.

Monthly Update

The SEC Threat Is Over, Now Let's Get Back To Doing What We Do Best...

John Douglass, Rich Hellerich, Ron Lane and Roger McCarty

Annuity Round Table

Monthly Commentary

Holding For Follow-Up

Robert Goldstone

There is nothing much worse than finding out that a completed application is suddenly incomplete...

Fighting Fraud With The Red Flags Rule

Janet LeTourneau

As many as nine million Americans have their identities stolen each year. To help prevent identity theft, the Federal Trade Commission...

Happy Campers

Ronald Hagelman

The inexorable march of boomer demographics exacerbated by trillions in unfunded social liabilities...