July 2016 Issue
   The Customer Of Tomorrow, Today
      Jason Wellmann
   What Life Insurance Product Can Satisfy Most Client Needs?
      Mark Creighton
   IUL: Cost Is An Issue Only In The Absence Of Value
      Charlie Gipple, CLU, ChFC
General Interest
   Willy Wonka And The LTCI Factory
      Marc Glickman, FSA, MAAA, LTCP
   Love, Marriage, And DI And LTCI
   Comparing DI, LTC, and a Potential Combination of the Two
      Jack B. Schmitz, CLU, ChFC, CASL
Special Insert
   2016 LTCI Survey
      Claude Thau
Monthly Commentary
   Impaired Risk Review...
   Pancreatic Cancer: Still A Killer
      Robert Goldstone, MD, FACE, FLMI
   The Benefits Brief...
   Affordability Determination, Government Entities, And Benefits Administered By The VA And HSAs
      Janet LeTourneau, ACFCI
   Disability Insurance Insights...
   Essentials For Adequate Cash Flow Replacement
      W. Harold Petersen, RHU, DFP
   Economic Behavior...
   Ads That Appeal To Our Animal Side
      Jack Marrion
   The Last Word On LTCI...
   Herding Cats
      Ronald R. Hagelman Jr., CLTC, CSA, LTCP
The Cover
       Cover Artist: David Howard

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