November 2018 Issue


FOCUS

A Glimpse Into DI Financial Underwriting

As an insurance and financial services professional, you have probably submitted hundreds of applications on behalf of your clientele to any number......

Sleep Apnea

Over the last several years insurance companies have seen a sharp uptick in the number of applicants with a diagnosis of Obstructive Sleep Apnea......

Unique Underwriting Factors And Advances Benefit Seniors Using The Secondary Market To Fund LTC

While American seniors face a dark and stormy financial forecast, the companies that serve them have more tools than ever to help them plan and pay......


What Every Advisor Needs To Know About Impaired Risk

First things first. Opening an insurance sale is an art with an endless variety of approaches involving client needs and objectives. Despite the tendency of some advisors to gloss over this phase of a case, it’s......

Broker Words

Broker Words

My sincere apologies to my friend Jack Schmitz who was kind enough to contribute to  the October DI Forum.  Through my carelessness in the proofing stage I inadvertently incorrectly published his company name. The company Jack......

General Interest

How Top Agencies Use IT To Help Boost Business

How can information technology help you increase revenue? Recently I asked leaders of our top agencies how they increase business. In my October article, “Three Simple Steps that Could Increase Your Revenue,” I explained......

Old Dogs, New Tricks And Young Pups

2018 has been a different kind of year for Ron Hagelman and myself.  Having totally failed at retirement, we’re in full consultancy mode working on projects that involve expanding long term care planning in two sorely-needed......

November Is The Right Time To Have LTC Conversations

It’s November, which is a meaningful time for me for several reasons—it’s Long Term Care Awareness Month, National Alzheimer’s Disease Awareness Month and National Family Caregivers Month. 

For those......

What Is Next For IUL?

Indexed universal life insurance has been around for 21 years. Through an impressive amount of complexity, it has achieved a nice niche for itself sitting between current assumption and whole life products on the conservative accumulation......

Tap The Booming Broad Market Life Insurance Need

How many life insurance producers spend all their time chasing rare affluent market life insurance opportunities, only to discover the effort required to acquire and handhold these cases through the process takes all their time and may......

Marketing Update

Multi-Generation Agencies...

What tips and experience can you share about the process of grooming agency successors into leadership roles?

Felton
As soon as you have determined......

Special Insert

The To-Do List I Didn't Plan On:

I’m a to-do list kind of person. 

I get up every Saturday, make breakfast, then sit down and start my weekend’s to-do list. Laundry, grocery shopping, cleaning the house, yardwork, going to my kids’ sporting......

Monthly Commentary

All Cancers Aren't Created Equal

It sounds a bit flippant, yet it is a request that medical directors and underwriters see quite often.  An informal application or quick quote comes in with a request about “history of brain tumor.”  Or maybe a question......

Boost Enrollment With Employer Flex Credits

Flexible Spending Accounts (FSAs) can be a great way to engage employees in employer benefits while saving on taxes. To boost participation, employer flex credits are just the ticket to enhance savings for both employers and employees—plus......

BOE: That Was Easy!

The “Aha!” moment.  If you are like us, we’re sure you love the feeling you get when you find a solution to a problem or understand a certain product.  The light bulb goes on, the excitement builds—it’s......

Volatility Controlled Index Returns

It’s been roughly four years since volatility controlled index (VCI) crediting methods took off in the fixed index annuity space. Vol-controlled indices were a reaction to the protracted very low interest rate environment that had......

Symbiont

Mutually dependent and interdependent. The relationship that cannot be severed or ignored is between aging adult children and their senior parents. What you cannot choose to do any longer is to only view......

News Releases

Diversified Brokerage Services, Inc.

Diversified Brokerage Services, Inc. (DBS) announced the addition of Kurt Fasen, LLIF, LUTCF, as sales and marketing leader to oversee all of sales, marketing, business development and case design. In this newly created role, Fasen will......

Ohio National

Ohio National Financial Services recently announced it will exclusively focus on growing its life and disability income insurance product lines going forward. The decision follows a comprehensive strategic review of Ohio National’s......