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September 2014 Issue
Focus
   Making The Case For Index Universal Life Insurance
      Charlie Gipple, CLU, ChFC
   Planning In A Low Interest Rate Environment
      Brett W. Berg, JD, LLM
   What's Wrong With IUL?
      Bill Zimmerman
General Interest
   Create A Strong Revenue Stream With Disability Income Products
      Ellen M. Crowe
Marketing Update
   Marketing Update
   Annuity Round Table
      John Douglass
Special Insert
   In Memoriam
       No Author
Monthly Commentary
   Impaired Risk Review...
   Osteoporosis
      Robert Goldstone, MD, FACE, FLMI
   The Benefits Brief...
   HRAs And FSAs Post ACA: What's An Employer To Do?
      Janet LeTourneau, ACFCI
   Disability Insurance Insights...
   Your Invitation To Join The Millionaires Club
      W. Harold Petersen, RHU, DFP
   Economic Behavior...
   Does Retiring Early Increase Cognitive Decline?
      Jack Marrion
   The Last Word On LTCI...
   Easy Answers
      Ronald R. Hagelman Jr., CLTC, CSA, LTCP
The Cover
       Cover Artist: David Howard

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