NAILBA 39

Broker Words—November 2020

As if this damn pandemic hasn’t given us enough sad news, it is my somber duty to relay the passing of my...

Hypertriglyceridemia

We’re used to seeing hypercholesterolemia as a known risk factor, but high triglycerides are also associated with an increased risk of cardiovascular...

Black Holes

Several prominent scientists recently shared the 2020 Nobel Prize for Physics. They were rewarded for helping to understand the exotic and mysterious...

What Is The Latest Technical Jargon For Life Insurtech Point-Of-Sale And...

Have you started reading a book and then come across a word that you do not know the meaning of like, for...

The Art Of Achieving Balance

While we all know there is no such thing as a unicorn, that does not stop us from writing stories, creating cartoons,...

Distribution And Accelerated Underwriting: What Happens When The Dog Catches The...

Ever since my distribution days (which started in the late 90’s), life insurance agents have been calling for an easier, faster and...

The Latest On COVID-19 And Impaired Risk Underwriting

(This is a follow up to Mr. Gersten’s article, “The Impact Of COVID-19 On Impaired Risk Underwriting,” that appeared in the September...

Tying Down A 1,200 Pound Horse With A String

I remember as a kid occasionally being forced to watch old western cowboy movies. That is because, like every other household back...

The Alphabet Soup Of Underwriting—Understanding Liver Disease And Kidney Disease

In my experience, two of the most challenging underwriting topics for advisors to understand are liver disease and kidney disease. The two...

SBLI

SBLI (The Savings Bank Mutual Life Insurance Company of Massachusetts) recently announced it has increased its coverage limit to $750,000 (from $500,000)...

Surprising Everyone In Winter

You know what seem like distant memories? Summer, gardening, and landscaping. It is now Fall heading into Winter. I...

Allianz

Allianz Life Insurance Company of North America (Allianz Life) announced today that it is making $2 million in grants to nonprofits in...

Mutual of Omaha

Although it’s hard to measure loneliness and social isolation, there’s strong evidence that many adults aged 50 or older are lonely or...

Americans Are Demanding Annuities

I have seen the demand for annuities grow stronger and stronger over the past couple of decades. When I talk about this...

Life Brokerage Technology Committee

The Life Brokerage Technology Committee (LBTC) recently elected three new co-chairs. The new leadership team brings a vast amount of industry experience...

Swiss Re

Chris Behling has been appointed Hub Head Life & Health Products for the Americas, with immediate effect, and he will continue in...

Allianz

Allianz Life Insurance Company of North America (Allianz Life®), announces the expansion of its advisory channel services with the formal launch of...

Professional Development As A Tool To Stay Connected

The marketplace is not the only thing in constant movement: Current events evolve, laws change and technology advances. A good financial professional...

An Interview With Eugene Cohen

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

IRS Provides Limited Relief For Health Coverage Information Reporting

On October 2, 2020, the Internal Revenue Service (IRS) released an advance version of Notice 2020-761 which extends the deadline under sections...

Mutual of Omaha

Mutual of Omaha recently announced several new initiatives to address issues of racial equity and social justice, including the removal of Native...

Navigating The Virtual Sales Process

This past year has certainly been unlike any other, with so many of us seeing our “normal” ways of life upended. For...

Nomenclature

Alright, I admit I’m confused—but dear friends I am not alone. The only significant sign of life in life insurance sales are...

The Mission Of Ark House

The Mission of Ark House is to provide low cost temporary housing for out of town patients and their families while undergoing...

The Latest In Sales Illustrations, Paramed Exams And Client Engagement

There has been a lot reported on the impact of COVID-19 to the life insurance industry. I wanted to research this from...

2021 San Francisco Health Care Expenditure Rates Released

The San Francisco Office of Labor Standards Enforcement recently released updated Health Care Security Ordinance (HCSO)1 required health expenditure rates for 2021.

Knowledge And Expertise

Generational conflict is a time-honored tradition in our society. To some extent, every generation believes that the generation that follows has it...

Legacy Planning Is Always About Love

Except that sometimes, maybe, it’s not. Sometimes it gets more complicated. Generally, parents and grandparents who have managed to...

Unlocking Emotional Intelligence To Improve Client Relationships

For every 10 prospects you encounter you might have an introductory conversation with three of them, and one of those three might...

Prospect With Social Security! 65 Million Americans Agree!

What do these numbers represent: $3.4 trillion or $111,000 per household? Those numbers represent how much money retirees have left and are...

Broker Words—October 2020

I have a lot of friends on the west coast and I include them in my prayers every day, although I usually...

Client Safety And Comfort In The COVID-19 Era

Life in America has utterly changed in 2020. By now most of you are tired of hearing about the Coronavirus, for the...

Going Deep Into Residual And Partial Disability Provisions

When structuring and choosing an individual disability insurance policy and the available riders, understanding the importance of partial disability is essential. While...

Growing Through The Pandemic

There is no doubt that we are in an incredibly unique, “once in a lifetime (if not century)” environment as COVID-19 continues...

“Best Interest Regulations”— Where Common Sense Equals Good Business

“Common sense is the knack of seeing things as they are and doing things as they ought to be done.” —Josh...

When To Worry About Bronchial Asthma

Most cases of bronchial asthma are not an underwriting worry. It is a common disease, affecting between five to 10 percent of...

Policy Review: An Obligation Or An Opportunity?

“I don’t get paid to do those.” “I don’t have time to do those.” “Let Policy Services do those.” “What the heck...

Empowering A New Generation Of Financial Professionals Through Mentorships

When Brenton Harrison decided to pursue a career as an insurance and financial advisor a little over 10 years ago, he didn’t...

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...

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