February 2016 Issue
   Accumulation Products - Market Leaders For 2016
      John Douglass
   The Cost Of Health Care And Retirement Income Planning
      Julie Stewart
   Retirement Doesn't Have To Be
      Charlie Gipple, CLU, ChFC
   Accumulation Without Apologies
      Luke Cosme
   Life Insurance For The Andy Griffith Generation
      Karl Kreunen
   Fixed Indexed Annuities: Accumulation First
      Rod Mims
General Interest
   RMD Planning Options At 70 1/2 For Clients With Two IRA Accounts
      Russell E. Towers, JD, CLU, ChFC
   Needless Mistakes That Kill Life Insurance Sales
      Allan D. Gersten
Monthly Commentary
   Impaired Risk Review...
   Bradycardia-Tachycardia Syndrome (Sick Sinus)
      Robert Goldstone, MD, FACE, FLMI
   The Benefits Brief...
   Compliance Roundup 2015
      Janet LeTourneau, ACFCI
   Disability Insurance Insights...
   Black Clouds And Sunny Days
      W. Harold Petersen, RHU, DFP
   Economic Behavior...
      Jack Marrion
   The Last Word On LTCI...
      Ronald R. Hagelman Jr., CLTC, CSA, LTCP
The Cover
       Cover Artist: David Howard

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