November 2015 Issue
   Preparation And Perseverance
   A Special Risk Underwriting Service Mantra
      Timothy C. Moynihan
   No Such Thing As A Bad Risk
      Charlie Boyd
   Underwriting Life And LTC Insurance
   The Six Differences You Need To Know
      Ray Dinstel
   Demystifying Coronary Artery Disease And Cardiomyopathy
      Greg Horak
   Foreign National Life Underwriting
   The importance of partnering with your client in the process
      William McGrory
General Interest
   Sound Sales Principles Are Still The Foundation Of Our Business
      Kenneth J. Smith, CLU
   Let's Give Them Something To Talk About
   Giving Back
      Beth Rusnock
   Millions Of Millennials Are Without A Financial Advisor
    What Are You Doing To Earn Their Business?
      Reade Milner
Marketing Update
   Multi-Generation Agencies
   Strong Foundations, Fresh Thinking
       No Author
Special Insert
   Inside BGA Marketing Groups
   Purpose, Philosophy, People and Process
      Alan S. Protzel, CLU, ChFC
Monthly Commentary
   Impaired Risk Review...
      Robert Goldstone, MD, FACE, FLMI
   The Benefits Brief...
   Update To The Affordable Care Act Reporting Requirements
      Janet LeTourneau, ACFCI
   Disability Insurance Insights
   Return Of Premium Disability Insurance
      W. Harold Petersen, RHU, DFP
   Economic Behavior
   Stealth Shrinkage
      Jack Marrion
   The Last Word On LTCI
      Ronald R. Hagelman Jr., CLTC, CSA, LTCP
The Cover
       Cover Artist: David Howard

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