September 2015 Issue
Focus
   Planning For Protection And Upside Potential
      Mark Peterson
   Where Does VUL Fit In Today's Landscape?
      Dave Wichersham
   New IUL Illustration Regulations
      Dan Sullivan
   Are Suze Orman And Dave Ramsey Right?
      Gabriel Lindemann
General Interest
   Could Your Next Seminar Put Your Agency In Danger?
   Pitfalls To Avoid And Helpful Tips For Advertising Social Security Seminars
      Ria Cruz
Marketing Update
   Annuity Round Table
      John Douglass
Monthly Commentary
   Impaired Risk Review...
   When You Can Not Get The Information
      Robert Goldstone, MD, FACE, FLMI
   The Benefits Brief...
   Embedded Self-Only Annual Limitation On Cost Sharing
      Janet LeTourneau, ACFCI
   Disability Insurance Insights...
   All Your Insurance Is Important
   But Disability Insurance Is The Most Important Of All!
      W. Harold Petersen, RHU, DFP
   Economic Behavior...
   Fogs That Impact Sales
      Jack Marrion
   The Last Word On LTCI...
   Verities
      Ronald R. Hagelman Jr., CLTC, CSA, LTCP
The Cover
       Cover Artist: David Howard

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