Broker Words—September 2020

It probably won’t make the AP wire that the role of a monthly trade publication isn’t #breakingnews. There are a number of...

Mutual of Omaha

With more than fifty percent of employees saying they worry about their personal finances while at work,* financial stress can be a...

SBLI

SBLI (The Savings Bank Mutual Life Insurance Company of Massachusetts) is proud to announce that Greg Melton, assistant vice president of Product...

Claims Integration Within The Supplemental Benefits World

BackgroundThe COVID-19 pandemic and shelter-in-place restrictions have highlighted the need for businesses today to be technologically agile and operationally efficient. The world...

The Anatomy Of A Breach

Let’s start with some findings relating to breach and current events. A mega breach is more than a million rows of data...

Catastrophic Disability Riders—Another Reason Why Disability Insurance Resonates With Clients

We all know the need for disability insurance. If a client cannot work, how will that client pay for their fixed living...

The Pandemic That Killed The Communicator

Trillions of dollars of lost productivity. This pandemic has led to immeasurable harm to our industry and our economy. We will never...

The Impact Of COVID-19 On Impaired Risk Underwriting

An alarming situation. When COVID-19 arrived on the U.S. shores earlier this year, it caught both the public and our leaders by...

Proposed Regulations Protect Grandfathered High Deductible Health Plans And HSAs

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

Mysteries Revealed—Take This Survey!!

Take the Survey:https://www.oliverwyman.com/our-expertise/insights/2020/aug/long-term-care-planning-survey.html Do not miss this opportunity! A National Advisor Survey “What...

The Intrinsic Value Of A Starting Point

There is no small debate currently being waged in the United States regarding our shared cultural history. Statues are coming down, place...

Society of Financial Service Professionals

The Society of Financial Service Professionals, a multidisciplinary community of credentialed financial professionals, has elected its executive committee and three new board...

For The Un- And Underinsured, Voluntary Benefits Provide Essential Financial Protection

While the Affordable Care Act of 2010 (ACA) did reduce the number of uninsured Americans, it did little to help the number...

Endometriosis

Endometriosis is a condition where normal tissue that lines the uterine cavity is found outside the uterus, mainly in the area of...

AllianzIM

Allianz Investment Management LLC (AllianzIM), a wholly owned subsidiary of Allianz Life Insurance Company of North America (Allianz Life®), recently introduced its...

What’s New?

With the COVID-19 pandemic, it is easy to assume that things in the life insurance business have just been on hold since...

Petersen International Underwriters

Petersen International Underwriters announces not one, but six employee anniversaries in September! Lori Boggs, RVP based in Tampa, FL,...

Understanding The Role Of Whole Life Insurance As A Hedge

One of the biggest threats to financial security in retirement is market volatility. This is true for individuals and businesses alike. Even...

OneAmerica

OneAmerica® recently announced the hiring of Tim Bischof as senior vice president and chief actuary. Bischof, a 25-year industry veteran, began his...

Selling IUL In A Pandemic World

We’ve all heard the story. If you’ve spent any time in sales at all it’s a tough one to avoid, but it’s...

OneAmerica

Engaged employee benefits brokers tell OneAmerica® in a new snapshot survey about the state of business during COVID-19 that “administrative and operational”...

The Leaders Group

Family-owned independent broker-dealer The Leaders Group, Inc., surpassed 1000 registered representatives in 2020. Founded in 1994 by Dave Wickersham, The Leaders Group...

A Sobering Financial Thought: Who’s Paying for COVID-19?

Well, guess what? It’s already been paid for by the forgotten individuals. So, who are they? Good question, we could say. To...

Mutual of Omaha

As self-funded benefits continue to grow in popularity within the insurance industry, Mutual of Omaha has enhanced its Administrative Service Only (ASO)...

The Great Disconnect

We just keep poking at the mystery. Logic continues to demand of our experientially wired brains that we could and should be...

Family Dynamics, Disability Insurance, And Divorce

Make Sure The Primary Income Earner Is Insured! We like to feel that we serve a higher purpose...

The Absent Insurance Agent My Family Needed Forty Years Ago

This is a repeat of a column I wrote for the December 2018 issue. In today’s environment, where financial professionals are...

Time, Memory And The iGeneration

The Loyola University Chicago Department of Philosophy offers a course entitled PHIL 280: Being Human: Philosophical Perspectives. In the course description we...

2020 Analysis Of Worksite LTCI

The 2020 Milliman Long Term Care Insurance Survey, published in the July issue, was the 22nd consecutive annual review of long term...

COVID-19 And Long Term Care Solutions

The COVID-19 virus entered the United States as early as December and created consternation by mid-March. Its effects have been huge and...

But I Don’t Want To Go To A Nursing Home

In the 1990s, when I began my career in the long term care insurance industry, the average age of our client was...

Gentlemen, This Is A Football

At the start of training camp in 1961, Vince Lombardi walked into the locker room of the Green Bay Packers and said...

How To Find New Clients During An Economic Downturn

We as a society have had to weather some trying economic times: The great depression of 1929, the 2008 recession, and the...

Broker Words—August 2020

Seems like you can’t swing a dead possum without hitting a COVID-19 article these days. The pandemic is still dominating our industry’s...

Medical Underwriting: The Times They Are A-Changin’

It is a long way from Bob Dylan’s realistic prophecy of what was happening and what was to come back in 1964...

Solving Unique Pain Points For Life Insurance New Business And Underwriting

There are a lot of changes happening in the life insurance industry because of COVID-19—market environment, types of insurance products, processes, and...

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)...

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