December 2016 Issue


FOCUS

Five Common Estate Planning Mistakes (And The Nightmares They Can Cause)

Estate planning is of paramount importance for any individual, and not only those with high net worth.  The difference between solid and poor......

Serving Clients With Estate Planning Needs

As we head toward the end of 2016 and prepare for 2017, we wonder how the estate planning environment might change. There is even some pressure to......

Whole Life For Living And Legacy

When financial advisors discuss life insurance with their clients, the focus is usually on the death benefit as it should be. However, many times......


Don't Leave Your Business Owner's Children Up For A Fight Later - Equalize The Estate.

I know a family that has a beautiful home with about 30 acres surrounding the lake. The family has enjoyed making memories at the lake house.  First, just with Mom, Dad and the five kids, but the family has now grown to 17 kids and......

Innovation In Life Insurance: Helping Clients In All Stages Of Life

You may have seen the studies. People need life insurance as much as ever but are buying it in record low numbers. There seems to be a ready market out there, but how do we as financial planners position today’s life insurance products......

Broker Words

BrokerWords

I am writing this column from an undisclosed location, fearing the wrath of the vast, uncountable, tens of protesters gleefully chronicled by the mainstream media marching on cities throughout the country chanting “Not My Editor......

General Interest

The Future Advisor

Advisors must find a new way to engage with clients. We are overwhelmed by information on a daily basis. Your Facebook feed supplies an average of 1,500 posts per day, according to digital marketing company Zephoria (via Infodocket). Time......

Opportunity In Uncertainty - Selling Fixed Indemnity Insurance

A product with a name like fixed indemnity insurance doesn’t exactly sell itself, does it? It doesn’t stop consumers in their tracks and make them say, “Hey, that’s just what I’ve been looking for.”......

ACA Update - An Outlook For 2017

The Affordable Care Act (ACA) has significantly changed the health insurance industry.

We have seen the ACA bring a number of positive impacts including that the overall uninsured rate is now trending below 10 percent—a......

Where's The Beef In Long Term Care Insurance Protection?

Life insurance policies with living benefits, also known as hybrid or combo products, have emerged in popularity with a plethora of variations now available from insurance carriers.  These products complement traditional long term......

McDonald's And Insurance Sales

When you read that title, I know you are thinking, “What in the world does McDonald’s have to do with insurance sales?”

As you are probably aware, McDonald’s is among the most successful franchise operations.......

Time-Specific Planning

Football! Football! Football! Football season is what we all look forward to this time of year. The objective of the game is simple—whichever team scores the most points wins. There are many strategies and plays teams use to do this.......

Marketing Update

We're All Millennials Now: Marketing Insurance In The New Economy

Before you read any further, I invite you to look up from this article. Perhaps you are sitting in a coffee shop or an airport. Look around at the people in the room. What are they looking at right now? Spoiler alert: They aren’t......

Monthly Commentary

Anti-Selection, Genetic Testing, And Life Insurance

Genetic testing is being promoted as one of the top advances of this century to date in helping people with the prevention, treatment and early diagnosis of disease.  At first, genetic testing was very limited, expensive, and usually......

New Indexed Figures For 2017

The Internal Revenue Service (IRS) and Social Security Administration have released the cost-of-living (COLA) and inflation adjustments that apply to dollar limitations set forth in certain IRS Code Sections. The Consumer Price Index was......

1948-2016: 68 Years of Progress

My introduction to disability insurance happened on February 19, 1948–my 21st birthday.  I had fallen deeply in love with a lady, Mary Jacqulyn Cecilia O’Meara, a dentist’s daughter who was employed at Mutual of......

Welcome To Our Web Site*

I am an agent looking for a new marketing organization and I noticed your web site? Would you mind if I ask you a few questions?

What is your mission?
We’re with you every step of the way...Our......

A Wolf In Sheep's Clothing

Indeed something profound, devious and game changing is happening quietly that will forever alter the trajectory of chronic illness planning. On multiple occasions in this column I have taken the position that all life and health agents......

News Releases

Legal & General

Legal & General Group Plc (“Legal & General”) has today announced the formation of a new division: Legal & General Insurance (LGI), under the leadership of Bernie Hickman. Hickman will serve as......