November 2018 Issue
Focus
   A Glimpse Into DI Financial Underwriting
      Joe Russo
   Sleep Apnea
      Greg Horak
   Unique Underwriting Factors And Advances Benefit Seniors Using The Secondary Market To Fund LTC
      Chris Orestis
   What Every Advisor Needs To Know About Impaired Risk
      Allan D. Gersten
General Interest
   How Top Agencies Use IT To Help Boost Business
      Elizabeth Cicchetti
   Old Dogs, New Tricks And Young Pups
      Barry J. Fisher
   November Is The Right Time To Have LTC Conversations
      Chris Coudret
   What Is Next For IUL?
      Brandon Unger
   Tap The Booming Broad Market Life Insurance Need
   Here's How Today's Technologies Can Help You Make The Most Of This Growing Segment
      Wesley Wright
Marketing Update
   Marketing Update
   Multi-Generation Agencies...
   Adapting To Change In Product, Service And Tech
      John W. Felton, IV
Special Insert
   The To-Do List I Didn't Plan On:
   An Insurance Professional's Caregiving Story
      Kim Anderson
Monthly Commentary
   Impaired Risk Review...
   All Cancers Aren't Created Equal
      Robert Goldstone, MD, FACE, FLMI
   The Benefits Brief...
   Boost Enrollment With Employer Flex Credits
      Janet LeTourneau, ACFCI
   Disability Insurance Insights...
   BOE: That Was Easy!
      Eugene Cohen
   Economic Behavior...
   Volatility Controlled Index Returns
      Jack Marrion
   The Last Word On LTC...
   Symbiont
      Ronald R. Hagelman Jr., CLTC, CSA, LTCP
The Cover
       Cover Artist: David Howard

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