November 2014 Issue
Focus
   Whatever Goes Around... Comes Around
      Timothy C. Moynihan
   Enhancing Client Service With A Marketing Group Underwriter
      Jonathan Leifer, FLMI, CLU, FALU
   LTCI Underwriting: Challenge = Opportunities
      Barry J. Fisher, LTCP
   Developments In Underwriting Help Place Challenging Cases
      Lisa Morris
   The Wild Blue Yonder... Questions To Better Assess Aviation Risk
      Seixas (Chip) G. Milner, Jr.
   2014 Life Insurance Industry Challenges
      Sharon Jenkins, FLMI, CLU, AALU
General Interest
   Red Flags Policy -- The First Line Of Defense
      D. Michael Bridges
   Getting Paid To Wait: Maximizing Social Security Benefits
      Brian Doherty
Marketing Update
   Multi-Generation Agencies... Success At Succession
       No Author
Monthly Commentary
   Impaired Risk Review...
   Hematuria
      Robert Goldstone, MD, FACE, FLMI
   The Benefits Brief...
   New Permitted Election Changes For Cafeteria Plans
      Janet LeTourneau, ACFCI
   Disability Insurance Insights...
   Our Most Significant Measure Of Life
      W. Harold Petersen, RHU, DFP
   Economic Behavior...
   Annuity Education -- Yes Financial Literacy Classes -- No
      Jack Marrion
   The Last Word On LTCI...
   Wallflowers
      Ronald R. Hagelman Jr., CLTC, CSA, LTCP
The Cover
       Cover Artist: David Howard

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