FOCUS

Will You Outlive Your Money?

Using an IUL Strategy to Supplement Your Retirement Income, Plan for the Worst in Life, and Address Declining Health in Mature...

Chasing Unicorns

“For myself I am an optimist—it does not seem to be much use to be anything else.” —Winston S. Churchill

Living Benefits That Truly Last A Lifetime

When financial professionals talk about living benefits, we’re usually talking about product options. But often, these products also can provide the very...

Compromises In Long Term Care Solutions

It is becoming more and more difficult to adequately insure Americans against the increasing costs of long term care and long term...

GENERAL INTEREST

Dear Actuary,

I see the need for my clients to plan for long term care, but I haven’t had too much success in offering...

Key Considerations When Suggesting A Health Benefit Plan With Reference-Based Pricing

You likely are familiar with reference-based pricing which, for smaller-sized employer groups, has quickly emerged as a promising and increasingly respected cost...

MONTHLY COMMENTARY

So Long 2019; Farewell, Cadillac Tax!

We’ve seen the end of 2019. Unless you’re my neighbor, we’ve all put away our holiday decorations and are settling into...

Marfan’s Syndrome

Marfan’s syndrome is a systemic connective tissue disease that is inherited. It is characterized by abnormalities of the skeletal, cardiovascular and...

How Do Politicians Get Elected?

First off, my goal is to make this so non-political that, by the end of this column, you will not know whether...

Life Insurance For The Soul

I am a voracious reader, but I can’t keep up. Seems like every week someone announces a new book that is appealing...

Dancing With The Stars

A well known, much respected and dear friend BGA asked recently if I could provide some basic financial planning math concerning the...

How’s the Phishing? Great!

My company was hit again with a Business Phish this February targeting a new hire, same as last time. This is...

March Into DI Sales

We recently had a call from a producer who wanted to discuss a marketing program for the rest of the year. ...
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MARCH 2020 COVER

Rescue your clients from dire circumstances to come by providing planning solutions that keep their retirement dreams from going up in flames. Cover artist: David Howard

BROKER WORDS

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Broker Words—March 2020

The life insurance industry is already indisputably noble in its primary purpose—taking care of the widows and orphans. You do good work....

NEWS

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Ohio National

Insurance Technologies, LLC, a provider of sales and regulatory automation solutions for the insurance and financial services industries, announced that Ohio National...
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LIBRA Insurance Partners

It’s Official! LIBRA Insurance Partners is open for business! As of January 1, 2020, LifeMark Partners and BRAMCO Financial Resources are officially...
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