July 2016 Issue


FOCUS

The Customer Of Tomorrow, Today

What type of person might be considered the “target” customer for Fixed Index Universal Life (FIUL) insurance coverage?  Of course,......

What Life Insurance Product Can Satisfy Most Client Needs?

(Hint: It’s now 36 percent of the marketplace.*)

What product can provide your clients:

• Financial......

IUL: Cost Is An Issue Only In The Absence Of Value

I had a mentor many years back who had done very well in financial services and had made a great deal of money. While I was talking with him one......


Broker Words

Broker Words

I must begin by expressing my extreme gratitude to friend Claude Thau, Target Insurance Services and Thau, Inc., and the wonderful folks at Milliman, Inc., Dawn Helwig, Allen Schmitz and especially Taylor Schmidt (who caught enough of......

General Interest

Willy Wonka And The LTCI Factory

I recently attended an LTCI brokerage conference featuring the latest product designs from a variety of carriers. A walk through the aisles was much like a walk through Willy Wonka’s Chocolate Factory where, despite general perception,......

Love, Marriage, And DI And LTCI

Husband: “Hey honey, we need to change our vows.”

Wife: “What?” 

Husband: “Yeah, they say ‘in sickness and in health,’ but what about accident?” 

Wife:......

Special Insert

2016 LTCI Survey

The 2016 Milliman Long Term Care Insurance Survey is the eighteenth consecutive annual review of long-term care insurance (LTCI) published by Broker World magazine. It analyzes the marketplace, reports sales distributions, and details......

Monthly Commentary

Pancreatic Cancer: Still A Killer

Much progress has been made in combating cancer, but pancreatic cancer still sticks its ruthless head up as an actually increasing and an equally deadly one.  In 2016, The American Cancer Society estimates almost 55,000 new diagnoses......

Affordability Determination, Government Entities, And Benefits Administered By The VA And HSAs

Gathering information for Forms 1094-C and 1095-C filings and statements is a tedious job. Making sure you have all the moving parts and that they fit together...almost impossible. That’s why the Internal Revenue Service (IRS) provided......

Essentials For Adequate Cash Flow Replacement

Living costs money. From the first breath of life until the last, we must spend–or someone must spend for us–money to pay for the cost of living. Income must equal outgo, or as economists think of it, “cash flow.” 

But......

Ads That Appeal To Our Animal Side

Which ads are usually more effective? Those ads that present objective information about a product so that a consumer can update their views and make an informed decision, or ads that determine what the consumer currently believes and......

Herding Cats

According to the National Retirement Risk Index:  “52 percent of households are ‘at risk’ of not having enough to maintain their living standards in retirement.” When you bombard this fragility with caregiving......

News Releases

Foresters Announces Rebrand To Foresters Financial

Toronto-based international financial services provider, Foresters™ has rebranded to Foresters Financial™ in a move that aligns the Foresters family of companies across Canada, the United States and the United Kingdom under......