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November 2008

Six Opportunities For Impaired Risk Sales
Allan D. Gersten, CLU, CFP, ChFC, First American Insurance Underwriters
With proper preparation, any advisor can take advantage of a number of opportunities readily available in the impaired risk business.
Underwriting Renal Dysfunction And Failure
Robert E. Frank, MD, UNIFI Companies
Estimates are that 20 million Americans suffer from chronic renal dysfunction, which makes it an increasing problem to underwrite.
Carbohydrate-Deficient Transferrin (CDT)
Joanne Mambretti, MD, Prudential Financial
CDT is a useful marker to help identify alcohol abuse.
A Look At EKGs: Underwriting The Bundle Branch Blocks
Jeffry A. Buttars, Lincoln Benefit Life
A review of one of the more common findings on an EKG - abnormal conduction patterns within the heart's bundle of His.
Designing A Technology Plan
Craig Lemoine, CFP, The American College
How a written technology plan can be a tool for managing office efficiency by giving structure to an overwhelming process.
The LTC Tour: One-Third, Two-Thirds And One-Half Remaining
Stephen A. Moses, Center For Long-Term Care Reform, Inc.
Update on the progress of The National Long Term Care Consciousness Tour.
Making The Connection Not The Sale Is Key For LTC Insurance Brokers
Susan Lenihan, LTC Financial Partners
Doug Rodgers, CLTC, MetLife LTC
Personalizing the LTC insurance sale helps producers better communicate the value of the product.
The Next Generation Of Critical Illness Coverage
Barry Petruzzi, The Guardian Life Insurance Company of America
With the early diagnosis and survival rates of today, critical illness insurance is a must-have safety net.
Telling Is Not Selling
David J. Scranton, CLU, CFP, CFA, Scranton Financial Group
A review of some of the most common sales process mistakes and suggestions on how to solve them.
The Truth About Participating Whole Life
Part Two: Whole Life Versus Term Insurance
Richard L. Miller, CLU, ChFC, T & M Financial, Inc.
Part two of this series compares whole life and term insurance.
Backcasting FIAs: The Crystal Ball Has Some Cracks!
Jon F. Davis, FSA, MAAA, Davis Life Brokerage
A look at what are the best indicators of a product's potential future returns.
Can A Corporation Pay For Personal Life Insurance?
Stephen J. Sternberger, LLB, LLM, CLU, ChFC, RHU, Old Mutual Financial Network
Executive bonus arrangements are an excellent value-added benefit for key personnel.
The Dynamics Of Multi-Generation Agencies
Featuring Tennessee Brokerage Agency, Knoxville and Hermitage, TN; Long Insurance Services/CPS Sacramento, Sacaramento, CA; and Merz Agency, Inc., Portland, OR and Bellevue, WA
Private Practice Marketing... Baseball: A Metaphor For Life
John H. Melchinger
Impaired Risk Review...Aortic Stenosis
Robert Goldstone, MD, FACE, FLMI
HSAs Are Still A Hot Topic
Janet LeTourneau, QPA, CFCI
Connect The Dots
Ronald R. Hagelman, Jr., CLTC, CSA, LTCP
NAILBA Focus 2008 At The Gaylord Texan
NAHU Hosts 77th Annual Convention
Risk Appraisal Forum
BSMG Raises $77,600 At Annual Invitational Golf Tournament
Fifteenth Annual Penn Classic Golf Tournament
AgencyWorks User Group 2008
Cover artist: David Howard
Underwriter, BGA, broker and client must all work in harmony to bring home the aggressive impaired risk case.
 
 

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Broker World is designed specifically for the independent life and health insurance producer.  Each issue contains articles on a variety of topics significant to the brokerage community.

 

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