Carrier Forecasting Forum
Our annual appeal to the most influential minds from the brokerage industry’s top carriers and technology providers to share their focus for the coming year and examine the changes and challenges they predict will impact producer success in 2013. Products and services that fill real needs as well as a look at which markets need attention most. Have your ads in this great planning resource for BGAs and brokers serving any and all markets.

Life, annuity, DI, CI, LTCI, health and related coverage; shrinking and expanding markets; the underserved; attracting new talent; financial pressures and government intervention; product trends and service needs.

Accumulation Products and Strategies
Product and market experts share solutions for agents and general agents adept at finding consumers of life and annuity products and tailoring plans for a variety of risk tolerance, life stages and legacy concerns. Advertise your products that can help accomplish asset growth goals, fit limited term needs and, as important, provide income and cost of care security to protect the ability to fund the plan. Help for professionals eyeing the March CD renewal/conversion period. Bonus Event Circulation: BGA Marketing and Study Group Winter Meetings

Growth versus principle protection; flexibility and access/ liquidity; added versatility with combo riders; maximizing guaranteed income; conversion strategies; niche applications and funding other solutions; single premium products; DI, CI, LTCI protection.

Income, Asset and Plan Protection
Available product solutions that address the need to protect the paycheck, the business and the accumulated assets of business and personal insurance clients. Are the disability income, critical illness and long term care protection needs of clients even being discussed? Life and annuity combo product advantages and limitations. Advertise to reach producers and wholesalers serving both personal and business insurance clients, employees as well as owners and key executives. Bonus Event Circulation: ILTCI Annual; BGA Marketing and Study Group Spring Meetings

Niches and approaches for DI, CI and LTCI sales; business and succession protection; life and annuity planning integration; combination products; partnering with a DI, CI or LTCI specialist; alternative management of the risk; health strategies and recovery services.

Business Market Opportunities
Marketing, product and compliance experts guide the brokers and general agents they partner with through the frequently changing benefits marketplace to clarify tax code and regulatory concerns and uncover service and sales opportunities. Promote your pension profit sharing and executive compensation solutions; life annuity, LTCI and DI for top earners and their valued work force. Offer your products to help producers maximize relationships forged by helping clients manage health insurance costs and expand voluntary benefit offerings. Bonus Event Circulation: BGA Marketing and Study Group Spring Meetings

Pension/401(k); health plans, HSA and FSA options, and ancillary benefit proposals; DI and LTCI across the pay spectrum; personal life and annuity answers for execs; compensation and buy/sell strategies; business continuation concerns; wellness program advantages; voluntary benefit marketing.

Boomer and Senior Service
Reach producers and BGAs advising the largest market in U.S. history—the 50-, 60- and even 70-somethings with diverse accumulation, protection and distribution goals. Retirement and legacy planning experts offer the industry’s best service protocols and sophisticated product application strategies. Advertise your products to agents dedicated to the relationships they’ve spent decades building; your solutions for under-performing policies, health-related income and asset risk exposure, distribution and legacy plan adjustments discovered through diligent client policy review. Bonus Event Circulation: BGA Marketing and Study Group Semi-Annual Meetings

Life, annuity and LTCI; shifting from accumulation to income; insuring quality of life; balancing needs and goals between kids and often parents; advising blended families; special needs legacies; retiree medical; Medicare Supplement and Medicare Advantage.

Expanding Health Insurance Relationship Reach
Experts across the product spectrum advise producers keenly aware that they need to evolve to survive. Offer your products and services to agents with decades-long client relationships continually strengthened by maximizing cost versus benefit considerations. Expanding product portfolios, increasing knowledge and recognizing further service and sales opportunities can prove invaluable to seasoned producers confronted with a legislatively shifting playing field. Health insurance as well as life, annuity, DI and LTCI professionals can benefit from refining and widening their reach. Bonus Event Circulation: NAHU Annual

What’s available to sell? Will our government allow you to make a living? HDHP, HSA and FSA updates; self-insured plan considerations; expanding life, annuity, DI, CI, LTCI resources; ancillary market opportunities—dental, vision, etc.; mentoring and partnering formulas; growing a successful life, annuity, DI or LTCI department.

Life Insurance Solutions
Attract brokers, BGAs, IMOs and FMOs who place their primary emphasis on client-first best practices with your product solutions and client needs awareness techniques in the issue tailored to the most widely marketed insurance category. Invited authors offer readers instruction on product, service, education and technology application designed to strengthen their ability to be of further service to their life insurance focused clients. Expanding protection after the initial life sale. Special Insert: Fifteenth Annual LTCI Product Comparison Survey

Family protection foremost; duty to the less-than-affluent— following through on the promise of caring; service to the modern family; best practices; protecting the premium—DI, CI, LTCI; trust work; annuity and other funding options; the BGA as a resource; education—invest in yourself; ROP, premium protection and living benefit enhancements.

Effective Worksite and Association Marketing
Advertise your products and marketing niche insight to producers and wholesalers experienced in networking through their worksite, fraternal organization and professional association relationships. Industry experts relate useful techniques for maximizing voluntary worksite and association participation and partnering with other trusted business-serving professionals for access to owners and key executives. Individual coverage expansion as a natural extension of service to the worksite market. Special Feature: Working with the LIFE Foundation for Life Insurance Awareness Month (September)

Voluntary worksite and association solutions; life, DI, CI, LTCI, dental, vision, prescription and health insurance options; expanding owner and key executive coverage; networking through professional and fraternal organizations; partnering with attorneys, CPAs and banks to provide life and annuity expertise; branding brokers as experts.

Appropriate Indexed and Equity Solutions
Authors promote best practices approaches to advisors and BGAs intent on providing interest sensitive accumulation product options that work within their varied clients' individual risk tolerance and life stage situations. Advertise your products, niche market knowledge and client needs analysis expertise to gain a place in the portfolios and presentations of caring, service-minded independent insurance professionals and the clients they advise. Bonus Event Circulation: BGA Marketing and Study Group Fall Meetings

Fixed, indexed and variable life and annuities; traditional life insurance roles; fact-finding and client education; accurate risk tolerance and life stage evaluation to help properly manage client expectations; alternatives for risk averse clients; DI, CI, LTCI to protect the plan.

Agency Growth Priorities
Advertise your products and expertise in the issue where responsible insurance professionals check for ways to enhance service to clients and expand their ability to provide the proper solutions. Industry experts inventory not just product opportunities, but best practices, ethical philosophies and the effectiveness of various processes, techniques, technology, marketing and branding strategies, and promotional opportunities—all with the goal of growing independent agencies through advancing professionalism. Have your best suited products available for brokers during one of the two biggest months that CDs come up for renewal/conversion. Bonus Event Circulation: International DI Society Annual; BGA Marketing and Study Group Fall Meetings

All product lines; life and annuities for CD conversion; the importance of DI and LTCI to fulfill client service; ways to finish the year strong; leads and earning referrals; client contact programs; mentoring and agency succession planning; keeping pace with consumer demographics; why all should help the middle and low income markets.

Service to the Impaired Risk
Medical directors, underwriters and case management experts give their keys to placing the challenging business—physical conditions, financial underwriting concerns and risky vocations and avocations. A prime opportunity to display any product—in the issue that explores the fundamental challenge all brokers face: finding the best coverage for clients with less than perfect circumstances. Bonus Event Circulation: NAILBA Annual

Life, annuity, DI, LTCI underwriting; protecting families with an uninsurable spouse; second-to-die options; shared LTCI policies; annuity payouts; digging deeper for better offers; service after the initial decline; occupation and lifestyle challenges.

Estate and Legacy Planning
Year-end reflection and tax season awareness can provide great opportunity for client coverage review and initiating discussions or finalizing legacy and estate plans. Bring attention to your company's products by advertising in an issue where agents and general agents look for solutions to both immediate and long term planning options. Our authors share product, process, application and niche suitability insight with readers focused on dependable strategies for dealing with client tax and legacy concerns.

Tax, funding, philanthropic, control and liquidity issues; life and annuity plan applications; protecting the plan—DI, CI, LTCI; planning for March CD conversions; exploring trust options; divorce, remarriage and challenging sibling and child legacy concerns; 529 plans.