December 2014 Issue
   Keys To Understanding The Special Needs Market
      Robert E. Walker, CLU, ChFC, MEd, CASL, CLTC
   The Credit Shelter Trust -- As Relevant As Ever
      Donna Scalaro
   How To Help Your Widowed Clients Make Wise Decisions With Life Insurance Benefits
      Kathleen Rehl, PhD, CFP, CFT
General Interest
   New Opportunities To Get That Big Case Done
      Allan D. Gersten
   The HEX Benefit: A New Strategy For Retaining And Rewarding Key Employees
      Peter L. McCarthy, JD, CLU, ChFC
   Why Critical Illness Insurance Should Change
      Dan Kraft
   Guaranteed Issue -- The Resurrection
      Thomas I. White, CLU
Monthly Commentary
   Impaired Risk Review...
   Bell's Palsy
      Robert Goldstone, MD, FACE, FLMI
   The Benefits Brief...
   New Indexed Figures For 2015
      Janet LeTourneau, ACFCI
   Disability Insurance Insights...
   The Happening Is Worse Than Described
      W. Harold Petersen, RHU, DFP
   Economic Behavior...
   An Annuity Lunch
      Jack Marrion
   The Last Word On LTCI...
   What I Learned At Camp
      Ronald R. Hagelman Jr., CLTC, CSA, LTCP
The Cover
       Cover Artist: David Howard

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