September 2016 Issue


FOCUS

Life Opportunities In A Post DOL World

Regardless of what you have or haven’t heard, your fixed indexed annuity (FIA) sales and much of your fixed indexed universal life (IUL) sales......

The Mass-Market Potential For VUL

A few decades ago, someone had the simple idea to tell a unified story that paired investment tax-deferral with living......

Finding Opportunities In The Fiduciary Rule

What does it mean to be a fiduciary?  With the looming DOL Conflict of Interest Rule (commonly referred to as the fiduciary rule) scheduled......


Special Focus

Annuity Round Table

The U.S. Department of Labor’s new proposed rules defining fiduciary investment advice is a huge issue for registered reps, broker/dealers and insurance representatives.  Broker/dealers are re-evaluating compliance rules for......

Broker Words

Broker Words

September is, at least for the September 2016 version of this column, quite simply the most important month of the year.  Arguments can, and perhaps will, be made for any of the other months—I may be unwittingly exposing my......

General Interest

4 Steps To Break Down The Wall Between You And Sales Success

We all reach that point when we hit a wall in our sales process. Things are going well, but the sale just isn’t coming together.

International Travel Medical Insurance - Don't Leave Home Without it!

When planning a trip overseas, many would-be travelers today feel uneasy and wonder if they will be able to enjoy themselves and feel safe. It’s no surprise when we stop and think about recent headlines such as: “Nice terror......

Marketing Update

Savings-Based Long Term Care Insurance Product Analysis

Savings-based long term care insurance products (generally life insurance policies which have LTCI provisions) are experiencing rapid sales growth.  Although such products have existed for more than 30 years, I believe savings-based......

Monthly Commentary

Ventricular Premature Beats

There are a lot of ways people refer to ventricular premature beats (VPBs) or contractions (PVCs).  They may be described as a skipped beat, or a flutter, a hiccup, or even a palpitation.  While palpitations can sometimes just......

Healthcare FSA Carryovers And COBRA Continuation

It used to be simple to determine the amount of a qualified beneficiary’s benefit available and the COBRA premium required for healthcare flexible spending accounts (FSAs). However, starting in 2013, healthcare FSAs allowed a carryover......

Estate Plans

Expert Opinions
Noah Webster: Estate means all of a person's possessions, especially after death

Solomon S. Hubner, Ph.D., CLU: There are two kinds of death: Dead Death and Living Death (disabilty).

Thought......

Annuities Need A Collie

Annuities have an image problem. Multiple surveys say consumers want a retirement income that is guaranteed not to go down and will last a lifetime. Many consumers say they are willing to give up some growth if you take away market risk......

Myth Busters

It is certainly widely accepted that rate increases, particularly the big fat and somewhat unanticipated ones, are bad for all concerned. It should not however be a revelation be that individual health insurance is often subject to the......

News Releases

LifeSecure

In recognition of its upcoming 10th anniversary, LifeSecure Insurance Company unveiled its new brand identity. The change is a key step in the ongoing evolution of LifeSecure, as the company focuses on its next chapter of growth and strengthening......

Charlie Gipple to Speak at the 2016 MDRT Top of the Table

Partners Advantage is pleased to announce its Senior Vice President for Sales and Marketing Charlie Gipple, CLU, ChFC, will be a speaker at MDRT’s Top of the Table annual meeting. This year’s conference will be hosted in Quebec......