February 2015 Issue
Focus
   What Is A QLAC?
      Michael Gorlick
   Why The Heck Did You Sell An LIBR?
      Richard Hellerich
   Retirement Accumulation Vehicles Are Not All The Same
      Alfred Lee Dingler, CLU, ChFC
General Interest
   Durable Power Of Attorney And No-Lapse Universal Life Insurance Owned By ILITs
      Russell E. Towers, JD, CLU, ChFC
   No Fish Is Too Small
      Joe Astalos
   Agent Of Change: Insurance Solutions in A Digital World
      Ted Kotsakis
Marketing Update
   LTCI Round Table:
   How Can The Industry Engage More Agents And Their Clients In The Long Term Care Risk Discussion?
      Tiffany Albert
Monthly Commentary
   Impaired Risk Review...
   When Is Screening Essential?
      Robert Goldstone, MD, FACE, FLMI
   The Benefits Brief...
   Final Rules For Excepted Benefits
      Janet LeTourneau, ACFCI
   Disability Insurance Insights...
   Income Planning For The
      W. Harold Petersen, RHU, DFP
   Economic Behavior...
   Hiring: Character Counts As Much As Cognitive Skills
      Jack Marrion
   The Last Word On LTCI...
   Stochastic Health And Long Term Care Cost
      Ronald R. Hagelman Jr., CLTC, CSA, LTCP
The Cover
       Cover Artist: David Howard

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