2023 Life Insurance Industry Trends
The Latest Data, Evolving Business Models, Challenges And Opportunities
To borrow from Bob Dylan, for life insurance carriers,...
The Truth Behind How Annuity Companies Make Money
The insurance industry has long been considered a black box, shrouded in secrecy, with endless (negative) connotations around carriers being a scam...
Fibromyalgia
Fibromyalgia is a disease categorized by widespread musculoskeletal pain, fatigue and poor sleep of at least three months duration that is not...
Employee Loyalty Using Life Insurance And The Stay Bonus
Today, of the more than 33 million small businesses in the United States (defined as having less than 500 employees),1 the majority...
Buy, Hold, Or Sell Your Business!
Buy, hold, or sell? No, we are not talking about a stock portfolio strategy. We are talking about whether you plan to...
Three Potential Discounts On Strategic Roth IRA Conversions
As clients prepare to meet with their financial advisors on planning strategies for the new year, this is the perfect opportunity to...
Agency Asset Protection
The vast majority of those reading Broker World magazine are owners of, or are value-added contributors to, an insurance agency. As such,...
A Different Kind Of Friend
(Run in cooperation with Certification for Long-Term Care, LLC, www.ltc-cltc.com. Email Amber Pate at apate@ltc-cltc.com for a more than 20 percent...
Going To Extremes With Impossible Schemes
March 4th is famously known as the only calendar date that is also a military command. It just so happened that I...
Going To Market
“Vision without execution is hallucination.”—Thomas Edison
In previous articles, we have addressed the process by which we can...
Vague Generalities
Begin by imagining the soulful cords of The Streets of Laredo performed by Marty Robbins or Pete Seegar. It’s not exactly a...
Evolving Life And Annuity Sales Platforms
What’s exciting about 2023 is not just new technology, but the evolution of the platforms we use today to sell life insurance...
March And The Madness Of Those Uninsured For Disability
It’s that time of year again, March Madness! Oh yeah, let’s get those brackets out and see how we did this year....
GLWB Economics: Are GLWBs Even A Good Thing?
This article is somewhat of a meshing of my last couple of monthly columns. In one article I discussed the economics and...
Mutual of Omaha
Mutual of Omaha has officially started construction of a new 44-story headquarters tower in downtown Omaha that will support the insurance and...
IFC National Marketing
IFC National Marketing, the Midwest’s fastest-growing insurance marketing organization (IMO), recently announced that Zachary R. Munger has joined the company as regional...
SBLI
SBLI (The Savings Bank Mutual Life Insurance Company of Massachusetts) announced it has partnered with Swiss Re to offer its customers Swiss...
Mutual of Omaha
Mutual of Omaha is now offering a robust, new platform to help employee benefit brokers and customers overcome the challenges they encounter...
USA-LTC
Krause Brokerage Services, LLC has acquired USA-LTC, a California-based brokerage firm that specializes in long term care insurance (LTCI), including employer-sponsored worksite...
Broker Words—March 2023
It has truly been one of the most significant blessings of my professional career to be involved with the NAILBA Charitable Foundation....
Paranoia
Consider this column an exercise in fevered dream generalities. Sort of a hybrid train of consciousness somewhere between James Joyce and Salvador...
Beware Of Cybersecurity Risks And How To Implement Regulatory Compliant Solutions
Protecting your data, implementing cybersecurity and preventing attackers who commit fraud is essential to staying in business. There are stricter security compliance...
An interview With Eugene Cohen—Individual Disability Income Protection: Need Motivates Action!
2009 Honoree International DI SocietyW. Harold Petersen Lifetime Achievement Award
2015 Honoree of NAILBA’sDouglas Mooers Award for...
Is Delaying Social Security Worth It?
This article is intended for financial professionals that have the wise business practice in helping consumers plan for Social Security, and also...
Red Lines And Planning
“Generally, a fall of fifty feet or more will kill almost anyone.” This is what my rappelling instructor told me. Although I...
What Your Clients Think They Know About Their Life Insurance—But Don’t
Haven Life
Survey Reveals Consumer Confusion and Unrealistic Expectations
Every year it seems like...
More Than Dollars And Sense: The Business Plan
“If all you have is a hammer, everything looks like a nail.”—Bernard Baruch
Up to this point we...
Controversies In Prostate Cancer
Prostate cancer is a significant disease—approximately 10 percent of men will be diagnosed with prostate cancer in their lifetime and the lifetime...
Buy Term, Or Invest…Different?
As I began to brainstorm for this article, something I am always honored to be asked to write, I came across a...
In Uncertain Economic Times, Your Clients Want Dependable Lifetime Income
Last year ended in a much different spot than it started.Interest rates more than doubled since January. The stock market has been...
Three Rules To Help Make The Promise Of A Successful IUL...
If you are in the IUL marketplace, then you hear it all the time—indexed universal life policies will never come true. The...
Annuities–There ARE Guarantees In Life
Guaranteed Income Planning For Small Business Owners
"Fixed indexed annuities” (FIAs) and their ability to provide a guaranteed...
Annuities Versus The Four Percent Rule
I recently saw somebody write about how we should not compare annuities to the four percent rule. Although I agree that there...
LIMRA
Total U.S. individual life insurance new annualized premium fell five percent in the third quarter compared with prior year results, according to...
Mutual of Omaha
Insurance industry leader James R. Boyle, who has served as president and CEO of both Foresters Financial and John Hancock, has been...
NAIM
The National Association of Insurance Marketers (NAIM) was founded in 1990 as a national network of brokerage insurance agencies.
Haven Life
Haven Life, a leading digital direct-to-consumer life insurance agency backed and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual), has welcomed...
Broker Words—February 2023
Dammit this one really hurts. It is my sad duty to report the passing of great friend and industry shaper Michel Levy...
A Tale Of Commitment: The Chicken, The Cow, And The Pig
“We can do most things either the easy way or the hard way. We always have that choice. Marketing to professionals...
