Broker Words—November 2021

I think we need some sort of HIPAA-like protection from “the internet.” I’m not overly fearful of being exposed as morally compromised...

The Technological Shift In Life Insurance Underwriting

When I started working in the life insurance industry twenty-five some odd years ago the technological revolution that started in the late...

Mutual of Omaha

Employees enrolled in Mutual of Omaha’s Employee Assistance Program now have two ways to request EAP services. In addition to a 1-800...

LifeSecure

LifeSecure Insurance Company announced a strategic partnership with iptiQ to simplify the life insurance buying experience by launching simplified issue final expense...

Impaired Risk Life Underwriting: Past, Present and Future

In 1987, Ronald Reagan was finishing what might be later referred to as an “impaired” presidency, the Minnesota Twins won their first...

Allianz Life

Allianz Life Insurance Company of North America (Allianz Life) recently announced that it has renewed $300,000 in grants to Twin Cities nonprofits...

The Never Ending Story: Looking Past the Politics—A Natural Affinity

It’s Not Just About Good Math, It Is About MeaningfulAnd Progressive Insurance Math Positive sales results involve risks.

Re-Introducing Simplicity

“Simplicity is the ultimate sophistication.” —Leonardo da Vinci Sometimes I miss simple. Analogue clocks are...

Life Carriers, Distributors And Vendors Collaborating On Key Technology Initiatives

The life insurance industry is coming together to work on some key initiatives in 2021. The governance of these projects are spearheaded...

Is “Generational Theory” Useful In Financial Services Marketing?

If you’re a financial advisor or agent, be aware of allowing your marketing to be influenced by increasingly discredited generational stereotypes.

An interview With Eugene Cohen—Who Needs Business Overhead Expense Insurance…And Why!

2009 Honoree International DI Society W. Harold Petersen Lifetime Achievement Award. 2015 Honoree of NAILBA’s Douglas Mooers...

Changing The Customer Experience With Benefits Technology

Over the last several years we have seen employers increasingly turning to technology for their benefits administration as an efficient and compliant...

An “Opportunity For Improvement” In Independent Distribution

I have written before about my son, Matthew, who is the most creative kid I have ever seen. So, I will start...

The Road Less Traveled—Improving The Path Of The Eldercare Journey

As financial advisors it’s easy to become focused strictly on the needs of our clients. Crunching the numbers and charting a path...

OneAmerica

OneAmerica®, a national provider of insurance and financial services, has promoted Kelley Gay to chief marketing officer (CMO). With...

The Need For General Contractors

Recently my entire neighborhood here in Iowa was hammered by a storm that came with baseball sized hail. My roof was damaged,...

Best Practices—Leaving A Lasting Legacy

Our industry lost a great man last month. To know Bill Zimmerman was to love and respect him. Though it would take...

What Ever Happened To Best Practices?

“Best Practices” is a term that was used frequently in the 1980s up to about 2010, but has faded a bit in...

On The Right Path

My career began in retail sales. My official title was Sales Representative. I represented the products of one carrier. The company assigned...

Playing Catch Up: Social Security Recipients Hope To Make Headway Against...

The last decade has not been particularly kind to the wallets of those who depend on Social Security to keep their financial...

Redesigning The Washington Cares Act

The Washington Long Term Care Trust Act is a minimum long term care insurance solution for almost all of the citizens of...

Ash Brokerage

Ash Brokerage, Ameritas and SCOR announce a new next-generation term life insurance product, Ash Instant term, issued by Ameritas Life Insurance Corp.

Amalgamated Life

Amalgamated Life Insurance Company (www.amalgamatedbenefits.com), a leading provider of comprehensive insurance solutions, recently announced the appointment of Jeff Sammons as sales executive....

My Long Term Care Story As An Advisor

Working in the financial service industry for over thirty years, my personal experience with family long term care issues may resonate with...

The New Message: Combining Altruism With Financial Literacy In The Public...

There’s an old saying that is as important today as when it first was spoken back in the day:

SBLI

SBLI, Afficiency Inc., and Quility Insurance announce a strategic collaboration and the release of a new simplified issue term life insurance product...

MDRT

The 2022 MDRT Executive Committee ushers in an integrated approach to supporting the financial services profession, as Randy Scritchfield, CFP, LUTCF, takes...

Why Agents And Advisors Must Be Proactive In Succession Planning

Most financial professionals are eager to help their clients create the best possible outcomes in retirement. For this reason, succession planning is...

Looking Past The Excel Spreadsheet—A Natural Affinity

What 30+ Years Marketing And Selling Long Term Care Insurance Has Taught Us: It is not just about good math, it...

Data, Data, Data Driving Life Underwriting

Digital point of sales solutions for life insurance continue to become more innovative. I am trying to keep up. The auto-fulfillment process...

Halloween And Individual Disability Insurance—Don’t Let Clients Trick Themselves!

If you are like us, Halloween is one of your favorite holidays. The decorations, the costumes, school parades, and good old fashioned...

Best Practices—Communication, Technology And, Most Important, Passion

My enthusiasm about our industry continues to swell. In fact, it felt like the planets aligned for me recently joining Diversified Brokerage...

Broker Words—October 2021

In Memoriam Damn it this one really hurts. Our industry has lost a great innovator, mentor and icon,...

The Spectrum

This Summer my wife and I vacationed with dear friends in the mountains of North Carolina. Jon Kling started his life insurance...

The Washington Trust Act—Should I Stay Or Should I Go?

(Reprinted from the CLTC Digest in cooperation with Certification for Long-Term Care, LLC, www.ltc-cltc.com. Email Amber Pate at apate@ltc-cltc.com for a...

OneAmerica

OneAmerica® launched its second virtual speaker series, Leading Tomorrow with OneAmerica, this June. The webinar series features thought leaders who will speak...

Killing Retirement

I’ve always been fan of Bill O’Reilly’s “Killing” series. Even though I knew the endings, books like Killing Lincoln, Killing Kennedy and...

Rate, Reliance, And Confidence

Prudent Planners Use The Three M’s: Minimize, Minimize And Maximize For Retirement Portfolio Success (Adapted from the...

The RILA Market Is Evolving As Fast As It Is Growing

As time goes on, the everchanging RILA market grows stronger and stronger in its offerings. From Athene’s “large bonus” on any earnings...

Annuities: Retirement Is 43 Percent Off?

Many of the agents that work with CG Financial Group are well aware of the “Four Percent Rule” and the history around...

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