Common Cause

This is a time for clarity. If ever there was an opportunity to reflect on the obvious it is now. Critical baseline...

To COLA Or Un-COLA Your Disability Insurance Quotes

An individual disability insurance (IDI) policy has various elements and provisions as part of the base policy. There’s the monthly benefit that...

IRS Provides More Relief For Certain Plan Deadlines Due To COVID-19...

The following general summary is intended to educate employers and plan sponsors on the potential effects of recent government guidance on employee...

Hematuria

Quite simply, hematuria is defined as the presence of blood in the urine. It can be obvious to the clinician (frank hematuria)...

Six Marketing Steps To Creating A “21st Century Agency”

A little over a year and a half ago I decided to leave corporate America to start a full-service independent marketing organization...

Our Mother’s Home Of Southwest Florida

Where children are cherished and futures are fostered At Our Mother’s Home, we have had the privilege of...

2020 Milliman Long Term Care Insurance Survey

The 2020 Milliman Long Term Care Insurance Survey is the 22nd consecutive annual review of stand-alone long term care insurance (LTCI)...

Climbing Mount Long Term Care

During this period of prolonged sheltering in place, I’ve been spending more time than I would care to admit looking at various...

Broker Words—July 2020

My wife Hope is still pretty freaked out about COVID-19. She’s an ardent masker and views those who go without as beings...

Potential Impact Of COVID-19 On The LTCI Industry

COVID-19 will have significant impacts on the long term care insurance (LTCI) industry in 2020 and perhaps beyond. The following comments are...

New World Of Life Insurance

A relatively few years ago, the industry was simple—whole life or term life or maybe group term. Almost all Americans knew they...

The Times They Are A-Changin’…Will Your Plans Keep Up?

One thing 2020 has been good for, in addition to some great #Thanks2020 memes, is a change in perspective. Take the concept...

How Fixed Index Universal Life Insurance Policies Can Help Provide A...

As clients deal with the economic fallout of the COVID-19 pandemic, many may be looking for ways to diversify their portfolios in...

An Update On NASH

Nonalcoholic steatohepatitis (NASH) is a more aggressive form of liver disease. It is inflammatory in nature, is much quicker in disease progression...

Preparation In A Time Of Pandemic: Seven Things Brokers Can Do...

With a strong economy and talent-recruitment landscape creating an appetite for worksite-based voluntary insurance products, we knew early on that 2020 would...

Selling Life Insurance As “Investments”

This message is prompted by hearing about yet another agent last week (not associated with CG Financial Group) that got herself in...

Your One Percent

What is it that distinguishes one person from another? In independent brokerage distribution, I have worked with thousands of people. Interestingly, no...

Filling The Gap With Human Capital Getting The Most Out Of...

Life insurance and annuity carriers figured out a long time ago that speed to market and reducing operational costs with a combination...

Willy Wonka And The LTCI Factory

Dear Actuary,What types of long term care insurance products are you finding to be most popular amongst LTC specialist agents today? —Inquisitive...

Stay At Home

Hard to know where to start. What has been painfully obvious to us for too many years is our deep seated understanding...

COVID-19 Challenges You To Be A Multi-Generational Advisor

The sales and marketing landscape has changed…have you? While many agents and advisors have been “selling remotely” for some years, COVID-19 has...

Individual Disability Insurance And Various Increase Options

Individual disability insurance is one of the coolest products in the insurance world. There are features that you really don’t see in...

The Fixed Annuity Market, Analyzed

It is hard to believe how very dramatically things have changed in our world in just a short three months. At this...

New Model COBRA Notices And Clarification On COBRA And Medicare

As the ongoing Novel Coronavirus Disease (COVID-19) has more individuals facing the prospect of losing their job-based health insurance, the need for...

Thau Joins USA-BGA

Don Levin, president and CEO recently reported, “USA-BGA is proud to announce that industry giant Claude Thau has joined the organization as...

Cybercrime And Cryptocurrency— Things That Make You Go Hmmm… (Part Two)

The notion that Cybercrime is fueling the Cryptocurrency market through money laundering activity—they are interdependent. If we eliminated 95 percent of cybercrime,...

Broker Words—June 2020

I have an addiction to what I deem amusing/sarcastic/witty/douchey T-shirts. There are many great online pushers, many of whom offer special COVID-19...

What’s In Your Wallet: The Impact Of Covid-19 On Retirement And...

Trapped at home, trying to remember what day it is, finishing the “must-do’s” for work and for the family, has prompted many...

Additional Relief And Flexibility Related To COVID-19

On May 12, 2020, the Department of the Treasury (the Treasury) and the Internal Revenue Service (IRS) published two notices as part...

The Market Pullback And Positioning A Safe Alternative

For the past couple of years I have spent a great deal of time speaking with clients about, and educating consultants on,...

Healthcare In The Time Of COVID-19

Like many of you, I woke up to another day of social distancing, prodigious handwashing, and a litany of unanswered questions.

Coronavirus And Life Insurance

Undoubtedly, after hours and hours of CNN and network news coverage, we are all “experts” on coronavirus, something we likely knew nothing...

Mutual of Omaha

Mutual of Omaha is now offering online will preparation services through Epoq, Inc.Employers who have group life insurance coverage with United of...

Why “Overfund” A Life Insurance Policy (Part Two)

Recap: In last month’s column I discussed the two opposite ends of the spectrum when it comes to funding a life insurance...

Disarray

A surprise assault on a weakened population is an equation for disaster. In our own little corner of a worldwide conflagration, our...

A Fast-Moving Pandemic’s Impact On The Economy And Insurance Regulation Will...

In the best of times, the insurance industry lives at an interesting crossroad of federal laws and state regulation. Agents and advisors...

Virtual Sales Illustrations And Presentations For Life Permanent Products

With the Coronavirus changing the way life insurance carriers, distributors and agents conduct business, selling insurance virtually requires powerful sales tools, critical...

What Happens When A Client Has An Unexpected, Early Retirement?

Helping clients prepare for retirement requires careful planning over many years. But what happens when that long-term approach is cut short by...

The New Now

Last week I wrote about the New Normal that has been inflicted on all of us as we deal with the Coronavirus...

Broker Words—May 2020

I guiltily confess that my freezer has two cartons of, albeit modestly-priced, ice cream—one vanilla and one chocolate. Mainly because my wife...

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