Haven Life
Haven Life, a leading digital life insurance agency backed and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual), is pleased to...
Circularity
Having the ability to reflect back on 35 years of considering the long term care conundrum should afford me some level of...
The New Era Of BGA Commission Accounting
For decades BGAs have adhered to a traditional approach when it comes to commission accounting. They have relied on their Agency Management...
An Interview With Eugene Cohen—Disability Insurance: Tips On How To Create...
2009 Honoree International DI SocietyW. Harold Petersen Lifetime Achievement Award
2015 Honoree of NAILBA’sDouglas Mooers Award for...
RILAs: How Do Insurance Companies Do It?
One of the most popular whitepapers that I have created for financial professionals is titled Indexed Products: How the Watch Is Built....
Eliminate The Impossible
Sitting across from me on a veranda at an African College was a young woman in her second year at the university....
The Sudden Resurgence Of Long Term Care Insurance
(This article first appeared in the August/September 2023 issue of Aspire Magazine)
It has only been about 15...
Assessing Risk: The Importance Of Discussing Long Term Care Insurance With...
Most people are particularly bad at assessing risk. For instance, although there is great concern about getting attacked by a shark at...
What To Consider When Evaluating If Your Clients Should Convert From...
From established 3,000-person companies to startups across a variety of industries, you can help your clients embrace the opportunities of the individual...
Striking The Balance: Privacy, Control, And Next-Gen Marketing In Insurance
In the fast-paced digital landscape of today, personalized marketing has become an essential component of attracting and retaining customers across nearly all...
Raynaud’s Phenomenon
Raynaud’s phenomenon (RP) is a disease when sudden ischemia of the digits appears, generally as a response to small arterial blood vessels...
The “Shadow Caregiving System”
The US is experiencing “demographic aging.” In less than two decades, the graying of America will be inescapable: Older adults are projected...
Play In The Same Sandbox As Investment Advisors, Even If You...
Originally, IOVAs, or Investment Only Variable Annuities, were developed to help financial professionals play in the same sandbox as advisors with a...
Enhancing Executive Retention Strategies Through Indexed Universal Life Insurance
Businesses serve as the lifeblood of our economy, driving innovation and progress. In the intricate landscape of business, cultivating and retaining top-level...
A Little About “RILAs”
Much of what I write about is derived from what I hear from the hundreds of agents that work with my company...
Whole Life: The Foundation Of A Successful Plan For Retirement And...
Most families are concerned about retirement and what they will leave behind for their loved ones when they are gone. Will they...
Broker Words—September 2023
In Memoriam
I was saddened, as will be the NAILBA community and many in our industry, to learn...
A New Era Of Cancer Screening And Life Insurance
At the Insuretech Connect conference (ITC) in Las Vegas last year, I had the opportunity to meet with one of my clients,...
What Did Superman Do The Day Before He Became A Paraplegic?...
It’s not often that we have such an iconic symbol who so overtly shows the need for our insurance products than the...
A Simple Way To Analyze Volatility Controls
In the obfuscated land of volatility control strategies, it is hard to determine which are sizzle and which are steak. Now, it...
Helping Clients Ease The Pain Of High-Cost Specialty Drugs
There is no denying the pain high-cost specialty drugs are inflicting on employers and employees alike. The 24th Annual Willis Towers Watson...
The Myths Of Self-Insurance
In the spirit of education and awareness, it’s vital to understand the various sundry myths put forth by clients, and unfortunately sometimes...
Artificial Intelligence And Insurance: Why Uncovering And Preventing Bias Is Critical
The introduction of artificial intelligence (AI) into the insurance industry is transformative, heralding a new era marked by improved efficiency, accuracy and...
2023 Analysis Of Worksite LTCI
The 2023 Milliman Long Term Care Insurance Survey, published in the July issue of Broker World magazine, was the 25th consecutive annual...
Broker Words—August 2023
This time of year in particular reminds me that our industry owes a tremendous debt of gratitude to two organizations—LIMRA and Life...
Dual-Special Needs Plans: Help Your Clients Understand Them
Many brokers tend to shy away from selling dual-special needs plans (D-SNPs) due to the perceived complexities associated with these plans. However,...
Incorporating End-To-End Solutions Can Increase Your Efficiency, Elevate Your Service, And...
Popular author, speaker and thought-leader Seth Godin recently posted a blog entry called The 77% Threshold that addressed innovation in a way...
The IRS“Death Penalty”
Something that I don’t think advisers talk enough about is the “death penalty” that the IRS assesses to the surviving spouse. What...
Living In“If, Then” Sentences
In the last five years I have become quite involved with the Ukrainian people. I have traveled to Ukraine numerous times and...
For Posterity
Even the veteran voices of our sales struggles past and present have died down concerning a fantasy return to the “good old...
An Interview With Eugene Cohen–This Is Your Market: Small Business Owner...
With the help of Victor Cohen, this is part of our ongoing series with Eugene Cohen, founder of the Eugene Cohen Insurance...
The Flexibility Of Non-Qualified Supplement Employee Retirement Plans (SERP)
For producers in the small business market, or those wanting to expand their knowledge to better service existing clients who own or...
Rollovers, Transfers, 1035s: Don’t Assume You Already Know
A client of mine calls me up and says, “My CPA says (oh boy, here we go) that I should have gotten...
Uncovering Customer Insights And Connecting Touch-Points For Sales And Customer Success
As a regular contributor to the Broker World Tech-Tock… column, my aim is to keep you informed about the latest technologies, introduce...
Long Term Care Linked Benefit Products: Too Good To Be True?
One of the goals that I have as I work for my agents across the country is to guide them on which...
Process Means History
The basic processes of human life include growth, differentiation, respiration, digestion, organization, metabolism, responsiveness, movements, and reproduction. All of these processes are...
Continued Evolution Of VUL
Variable universal life sales have declined at the start of 2023 to the tune of about 15 percent off the previous year....
Broker Words—July 2023
I would like to claim that my frequent reference to commercials I find amusing is the result of a keen marketing mind...
Do Not Buy(Or Offer) An Indexed Universal Life Until You Read...
In 2022 everything went perfectly wrong for investors. With inflation running at 40-year highs and the Fed raising interest rates at its...
2023 Milliman Long Term Care Insurance Survey
The 2023 Milliman Long Term Care Insurance Survey is the 25th consecutive annual review of stand-alone long-term care insurance (LTCI) published by...