January 2017 Issue
Focus
   
   Mutual Of Omaha
      Tess Grace
   
      Tess Grace
   Ohio National Financial Services
      Gary "Doc" Huffman
   Foresters Financial
      Eric Miller
   
      Eric Miller
   American National Insurance Company
      Craig W. Klenk, CLU, ChFC, MSFS
   
      Craig W. Klenk, CLU, ChFC, MSFS
   Allianz Life Insurance Company of North America
      Jason Wellmann
   
      Jason Wellmann
   SBLI of Massachusetts
      Denis Clifford
   
      Denis Clifford
   
      Denis Clifford
   Mutual Trust Life Insurance Company, A Pan-American Life Insurance Group Stock Company
      Luke Cosme
   
      Luke Cosme
   National Western Life Insurance Company
      Brian Bulakites, CLU, ChFC
   
      Brian Bulakites, CLU, ChFC
   OneAmerica
      Patrick M. Foley, CLU, ChFC
General Interest
   
   Preparedness
   Being prepared just might make the difference between making a sale or not.
      Joe Astalos
   
      Joe Astalos
   Where Have All The Flowers Gone? Where Have 57 Years Gone!
      Gary C. Nassau, CLU,
   
      Gary C. Nassau, CLU,
   What Is Your Placement Ratio And What Is It Costing You?
      Cindy V. Gentry, CLU, ChFC, LUTCF
   If You Build It...
      Marvin H. Feldman, CLU, ChFC, RFC
   Are You Ready For the Silver Tsunami?
      Mark D. Milbrod, CLU
Monthly Commentary
   Impaired Risk Review...
   Crediting Systems
      Robert Goldstone, MD, FACE, FLMI
   The Benefits Brief...
   Final Instructions For Completing Summary Of Benefits And Coverage (SBC) Templates
      Janet LeTourneau, ACFCI
   Disability Insurance Insights...
   The New Year Is Upon Us
      W. Harold Petersen, RHU, DFP
   Economic Behavior...
   Cognitive Decline In Seniors
      Jack Marrion
   The Last Word On LTCI..
   Resolutions And Rants
      Ronald R. Hagelman Jr., CLTC, CSA, LTCP
The Cover
       Cover Artist: David Howard

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