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June 2013 Issue


FOCUS

How To Maximize Your Health Business Potential In These Daunting Times

Ron Goldstein

Changes in society, government regulations and the delivery of health care are all converging to make the balance of 2013......

High Earners Will Pay More Taxes In 2013

Russell E. Towers

ATRA and ACA could possibly have a "double-barrel" tax hit for those classified as high earners.

Selling HSAs: Four Things Boomers Need To Know

Natasha Rankin

From an early age, saving for retirement is drilled home, so why aren't clients more frequently advised to save for......


Communicating The Real Costs Of Accidents And Illnesses

Jeramy Tipton

Clear communication about the real costs of illness or injury will encourage clients to financially protect themselves with supplemental health plans.

Web Exclusive Content

Diabetes

Fred Wernette

The temptation was to call this article “Sweet Pea.” However, good sense prevailed, for a change.

A Father's Final Gift

Nancy Christie

When Jennifer Alford began her full-time career as a licensed insurance professional in 2000, she would often hear

How To Secure More DI Approvals In Less Time

Daniel C. Steenerson

You successfully secured an appointment, made the case for disability insurance, overcame the price objections and

Broker Words

Broker Words

Sharon A. Chace, Editor

If a picture is worth a thousand words, imagine the value of a group of videos. The National LTC Network has

General Interest

Partnering With A Long Term Care Insurance Specialist

Catherine Dove

Agents use a variety of approaches to successfully market and sell LTCI, but partnering with an LTCI specialist is the most simple.

Why Relationship Marketing?

John H. Melchinger

The cost (time, effort dollars) to acquire new clients who are strangers is greater than the cost to retain or build up existing clients.

The Health Care Cost Dilemma Faced By Retirees

Michael Gorlick

Out-of-pocket health care costs must be an integral part in the retirement planning process.

Monthly Update

Facing The Challenges Of Low Interest Rates

Timothy C. Pfeifer

Low interest rates may be the "new normal" but even if they are not, this historic period has set in motion a wide array of new business practices for both insurers and advisors that will last far......

Annuities: The Financial Cornerstone In Retirement Planning

Richard Hellerich, Brian Myhr, John Douglass

Monthly Commentary

Update On Hepatitis C

Robert Goldstone

Hepatitis C is a single-stranded RNA virus that often results in progressive inflammatory disease of the liver.

Small Group Market Will Have Changes In 2014

Janet LeTourneau

Leading into 2014, this is a banner year for changes within the benefits world. A topic on everyone’s mind is exchanges

The Risks Beyond Personal DI Insurance

W. Harold Petersen

The International DI Society’s western division study group met via telephone conference to discuss risks beyond

Overcoming Buyer Inertia

Jack Marrion

"Let me think about it” is often a prospect’s polite way of saying that he doesn’t want to buy what’s being offered.

Water Balloons

Ronald R. Hagelman, Jr.

Perhaps the most vivid image of Newtonian physics is the predictable nature of the common water balloon. 

News Releases

Prudential Life

Prudential Life

Prudential Individual Life Insurance, a business of Prudential Financial, Inc., has named Mark Hug executive vice president, product and marketing, and Ronald Herrmann......

SBLI

SBLI

SBLI of Massachusetts has named William R. Izor, CLU, ChFC, CFC, CFP, regional vice president of independent distribution. Before joining SBLI, he was the vice president, national accounts,......

Superior Mobile Medics

Superior Mobile Medics

Superior Mobile Medics has announced the addition of Amy Jeffryes as vice president of marketing for Superior Mobile Insurance Solutions, a nationwide......