Our industry is certainly navigating turbulent seas, but much needed advances will serve us well as we move forward. Cover artist: David Howard.
FOCUS
The Impact Of COVID-19 On Impaired Risk Underwriting
An alarming situation. When COVID-19 arrived on the U.S. shores earlier this year, it caught both the public and our leaders by surprise. In the pandemic’s early days, scientists warned that there...
What’s New?
With the COVID-19 pandemic, it is easy to assume that things in the life insurance business have just been on hold since March. Probably—with everyone working remotely and nobody but you and...
Understanding The Role Of Whole Life Insurance As A Hedge
One of the biggest threats to financial security in retirement is market volatility. This is true for individuals and businesses alike. Even if your clients—retail or institutional—have saved and invested diligently, a...
Selling IUL In A Pandemic World
We’ve all heard the story. If you’ve spent any time in sales at all it’s a tough one to avoid, but it’s still a great story… Based on the recommendation of a...
GENERAL INTEREST
Claims Integration Within The Supplemental Benefits World
BackgroundThe COVID-19 pandemic and shelter-in-place restrictions have highlighted the need for businesses today to be technologically agile and operationally efficient. The world around us is becoming increasingly customer-centric, but the goal of...
For The Un- And Underinsured, Voluntary Benefits Provide Essential Financial Protection
While the Affordable Care Act of 2010 (ACA) did reduce the number of uninsured Americans, it did little to help the number of underinsured Americans which has been steadily increasing. ACA reduced...
MONTHLY COMMENTARY
The Anatomy Of A Breach
Let’s start with some findings relating to breach and current events. A mega breach is more than a million rows of data...
Catastrophic Disability Riders—Another Reason Why Disability Insurance Resonates With Clients
We all know the need for disability insurance. If a client cannot work, how will that client pay for their fixed living...
The Pandemic That Killed The Communicator
Trillions of dollars of lost productivity. This pandemic has led to immeasurable harm to our industry and our economy. We will never...
Proposed Regulations Protect Grandfathered High Deductible Health Plans And HSAs
The following general summary is intended to educate employers and plan sponsors on the potential effects of recent government guidance on employee...
Mysteries Revealed—Take This Survey!!
Take the Survey:https://www.oliverwyman.com/our-expertise/insights/2020/aug/long-term-care-planning-survey.html
Do not miss this opportunity! A National Advisor Survey “What...
The Intrinsic Value Of A Starting Point
There is no small debate currently being waged in the United States regarding our shared cultural history. Statues are coming down, place...
Endometriosis
Endometriosis is a condition where normal tissue that lines the uterine cavity is found outside the uterus, mainly in the area of...
SEPTEMBER 2020 COVER
BROKER WORDS
Broker Words—September 2020
It probably won’t make the AP wire that the role of a monthly trade publication isn’t #breakingnews. There are a number of...
NEWS
Mutual of Omaha
With more than fifty percent of employees saying they worry about their personal finances while at work,* financial stress can be a...
SBLI
SBLI (The Savings Bank Mutual Life Insurance Company of Massachusetts) is proud to announce that Greg Melton, assistant vice president of Product...
Society of Financial Service Professionals
The Society of Financial Service Professionals, a multidisciplinary community of credentialed financial professionals, has elected its executive committee and three new board...
