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...

Exploring Fixed Index Universal Life Insurance Opportunities In Vertical Industries

Why Target Marketing Can Help Financial Professionals Maximize Opportunities Often when we speak to financial professionals looking for...

Underwriters Brokerage Service

Underwriters Brokerage Service is pleased to announce the addition of Sean Link, JD, as their Estate Planning Specialist, reinforcing the company’s position...

SBLI

SBLI (The Savings Bank Mutual Life Insurance Company of Massachusetts) recently selected MIB Group, Inc., as their primary electronic medical data vendor....

Forest Firestorms

Firestorms in the Pacific Northwest (Payroll deduction mandates) have blanketed our nation in smoke. Climate change (and COVID-19) reality have become the...

Broker Words—September 2021

“There Is Life For The Older Age Market.” So sayeth a somewhat more fully coiffed Robert Goldstone in May, 1990, in his...

Insight Into Insurtech Solutions That Impact Life Insurance Awareness

September is Life Insurance Awareness Month. It’s well known that four out of 10 American households are putting their financial future at...

Disability Insurance And New Insurance Producers And Planners—A Perfect Match!

We often get asked by new advisors and insurance producers how one can grow their practice. If you ask 20 sales managers,...

Life Expectancy And The New Underwriting

For the first time in many of our lifetimes, life expectancy in the United States has declined. Not only did it just...

Why Your Annuity Trumpet Should Get Louder As Interest Rates Decrease

I know the title of this column seems contrary to what you would think but hear me out as I discuss the...

Leaving Or Living A Legacy—What’s Your Story?

Not long ago I heard a sad story from a friend about his grandfather, who had passed away when my friend was...

Amalgamated Life

TruHearing, the market leader in hearing products and solutions, is expanding access to hearing benefits through its recent partnership with Amalgamated Life...

The Standard

The Standard proudly announced the hiring of Paul Garofoli as their newest regional sales director. Based in Texas, he will work with...

Diversified Brokerage Services

Diversified Brokerage Services (DBS), a national Brokerage General Agency specializing in life, annuities, long term care and disability insurance, has announced that...

2021 Analysis Of Worksite LTCI

The 2021 Milliman Long Term Care Insurance Survey, published in the July issue of Broker World magazine, was the 23rd consecutive annual...

Discover New Innovations In The Life Insurance Underwriting Process

It seems in 2021 that every couple of months I learn about a software solution, new process, or new service that innovates,...

An interview With Eugene Cohen—The Best Age For a Client To...

2009 Honoree International DI SocietyW. Harold Petersen Lifetime Achievement Award. 2015 Honoree of NAILBA’sDouglas Mooers Award for...

The Law Of Large Numbers

Simply stated, the law of large numbers in probability and statistics states that as a sample size grows, its mean gets closer...

The InLTCgentsia

“What is called ‘social’ planning are in fact government orders over-riding the plans and mutual accommodations of millions of people subject...

Pig + Python = Opportunity

For all of us in financial services and those that plan on being around for the next several years, there are great...

The Power Of A Public Good

“People will pay you a lot of money if you pretend to know how the tax code works.”—Adele Valenzuela, CPA, a...

Are We Seeing The Light At The End Of The COVID-19...

Most Americans report seeing brighter days ahead as financial impacts of COVID-19 begin to fade. As the stock market continues to hit...

Happy Independent’s Day!

Last month we celebrated our independence going back to July 4, 1776. This was a historic time in our great nation’s history...

Choose New Shoes For A Complete Retirement Plan

Creating a retirement plan for your clients is just like when you choose new shoes: You need to get them as a...

The Power Of Renewals

It used to be that people got into the life insurance business because of the renewals. “Mailbox money,” as it was sometimes...

Balancing Tech And Human Touch

Upgrade Customer Loyalty With Digital Solutions That Feel Personal New business realities make it essential that you’re working...

One Of The Best IULs You’ve Probably Never Heard Of

With all of the recent government tax and spending proposals, some of which may be signed into law in some form or...

Broker Words—August 2021

I’ve always been a bit curious about why a bulk of the promotion of and materials for Life Insurance Awareness Month, for...

Pendulums And Teeter-Totters

Are our times in transition, evolution, retrogression? Is our near term response to future caregiver preparedness potentially a new bull market renaissance...

Dixon Wells

Dixon Wells announced recently that it has entered into an agreement to acquire Brokerage Services of Carolina, Inc., along with its book...

2021 Milliman Long Term Care Insurance Survey

The 2021 Milliman Long Term Care Insurance Survey is the 23rd consecutive annual review of stand-alone long-term care insurance (LTCI) published...

The Kind Of World We Were Born Into

As a teenager, I needed course correction. My parents sent me 1,150 miles away to North Dakota to work on my Uncle...

The Enhanced Flexibility Of Today’s VUL

Clients need flexibility in financial and insurance products as their circumstances change through life. When they age and face new challenges, the...

Confessions Of A Born-Again Life Insurance Agent

“We make a living by what we get. We make a life by what we give.”—Winston Churchill

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