Can’t wait until we can all fully enjoy these again… Cover artist: David Howard
FOCUS
Preparation In A Time Of Pandemic: Seven Things Brokers Can Do...
With a strong economy and talent-recruitment landscape creating an appetite for worksite-based voluntary insurance products, we knew early on that 2020 would...
New Model COBRA Notices And Clarification On COBRA And Medicare
As the ongoing Novel Coronavirus Disease (COVID-19) has more individuals facing the prospect of losing their job-based health insurance, the need for...
What’s In Your Wallet: The Impact Of Covid-19 On Retirement And...
Trapped at home, trying to remember what day it is, finishing the “must-do’s” for work and for the family, has prompted many...
The Market Pullback And Positioning A Safe Alternative
For the past couple of years I have spent a great deal of time speaking with clients about, and educating consultants on,...
GENERAL INTEREST
Willy Wonka And The LTCI Factory
Dear Actuary,What types of long term care insurance products are you finding to be most popular amongst LTC specialist agents today? —Inquisitive in Iowa
Dear Inquisitive,“Come with me…and you’ll...
COVID-19 Challenges You To Be A Multi-Generational Advisor
The sales and marketing landscape has changed…have you? While many agents and advisors have been “selling remotely” for some years, COVID-19 has driven the importance of being effective up a notch. We...
Cybercrime And Cryptocurrency— Things That Make You Go Hmmm… (Part Two)
The notion that Cybercrime is fueling the Cryptocurrency market through money laundering activity—they are interdependent. If we eliminated 95 percent of cybercrime, we could declare victory and keep $5 trillion moving in...
MARKETING UPDATE
The Fixed Annuity Market, Analyzed
It is hard to believe how very dramatically things have changed in our world in just a short three months. At this time in February I was doing a keynote for a...
MONTHLY COMMENTARY
An Update On NASH
Nonalcoholic steatohepatitis (NASH) is a more aggressive form of liver disease. It is inflammatory in nature, is much quicker in disease progression...
Selling Life Insurance As “Investments”
This message is prompted by hearing about yet another agent last week (not associated with CG Financial Group) that got herself in...
Filling The Gap With Human Capital Getting The Most Out Of...
Life insurance and annuity carriers figured out a long time ago that speed to market and reducing operational costs with a combination...
Your One Percent
What is it that distinguishes one person from another? In independent brokerage distribution, I have worked with thousands of people. Interestingly, no...
Stay At Home
Hard to know where to start. What has been painfully obvious to us for too many years is our deep seated understanding...
Individual Disability Insurance And Various Increase Options
Individual disability insurance is one of the coolest products in the insurance world. There are features that you really don’t see in...
Additional Relief And Flexibility Related To COVID-19
On May 12, 2020, the Department of the Treasury (the Treasury) and the Internal Revenue Service (IRS) published two notices as part...
MAY 2020 COVER
BROKER WORDS
Broker Words—June 2020
I have an addiction to what I deem amusing/sarcastic/witty/douchey T-shirts. There are many great online pushers, many of whom offer special COVID-19...
NEWS
Thau Joins USA-BGA
Don Levin, president and CEO recently reported, “USA-BGA is proud to announce that industry giant Claude Thau has joined the organization as...
