January 2015 Issue


American National Insurance Company

Craig W. Klenk, CLU, ChFC, MSFS, Vice President Brokerage Sales

“STEADY AS SHE GOES”—A command to the....

Mutual of Omaha

Michael C. Weekly, Executive Vice President

Mutual of Omaha provides a unique perspective. The initiatives and strategies that Mutual......

Assurity Life Insurance Company

Tom Henning, CLU, ChFC, CFA, President and CEO

Complacency is the enemy. I can’t go to a meeting in our industry where other insurance......


John Deremo, Executive Vice President and Chief Distribution Officer, Life Insurance, AIG Financial Distributors

As I contemplate the challenges and opportunities for brokers this new year, I’m reminded of John F. Kennedy’s......

Aflac Group Insurance

Daniel J. Lebish, Executive Vice President, Chief Operating Officer

Big changes at Aflac mean big opportunities for brokers. If you’ve read many annual reports, you know there’s...

LifeSecure Insurance Company

Tiffany Albert, President and CEO

LTCI: Looking Ahead -- We have all heard about the market exits, pullbacks, rate increases and policy adjustments facing the...

National Western Life

S. Christopher Johnson, CLU, Senior Vice President and CMO

Solid Financials—Steady Growth.  2014 proved to be another growth year for National Western Life, as once again...

SBLI of Massachusetts

James A. Morgan, President and Chief Executive Officer

The New Year Brings Familiar Challenges.   The New Year is upon us, and with it comes questions about what...


Anthony Garcia, President and Chief Executive Officer

Effective service to distribution segments is critical to our success. The year ahead holds a lot of promise for...

Columbus Life Insurance Company

Steven J. Sanders, LLIF, Senior Vice President and CMO

Looking Ahead  --  From an economic standpoint, 2014 remained much the same as the prior year. The industry ended...

National Life Group

Mehran Assadi, CEO

Following one of our town hall forums with my teammates at National Life Group, one of my colleagues came...

Mutual Trust Financial Group

Luke Cosme, Vice President, Distribution

Providing Solutions Instead of Predicting Rates of Return. In 2015, the insurance industry will continue to face...

Allianz Life

Tom Burns, Chief Distribution Officer

Behind the Headlines—Availability and Choice Drive New Opportunities for Financial Professionals...

Legal & General America

Frank T. Gencarelli, Senior Vice President, Distribution and Marketing

Ease. Spark. Swagger. Soul.  Key Ingredients of Cool. At Legal & General America, we have distilled our most cherished...

Protective Life Insurance Company

John Sawyer, Senior Vice President and Life Insurance Executive

Anew perspective for the new year. Happy New Year! I truly enjoy this time of year. It offers a fresh start with new goals...

Transamerica Brokerage

Michael Babikian, President and CEO

Thriving Through Transition: Creating Customer Solutions. A prevailing macro trend—and one that I don’t think is...

Ohio National Financial Services

Gary T. “Doc” Huffman, CLU, ChFC, Chairman, President and CEO

As we look to 2015 and beyond, I am very confident. Why? For our industry, there is simply no better time for...

Prudential Financial

Chuck E. Anderson, Senior Vice President, Strategic Relationship Management, Individual Life Insurance

Carpe Diem! As with all of our distribution partners, fellow life insurance carriers and the service providers for our...


Web Exclusive Content

Angina Pectoris

Fred E. Wernette

This article was first written in March 1976, and at that time, angina pectoris (chest pain of a coronary nature) was 

An Agent Through Thick And Thin

Maggie Leyes

Agent Steve Edmondson was there to sell the Francos their policies and to help them keep them in place when times got tough.

Broker Words

Broker Words

Stephen P. Howard, Editor & Publisher

It is with the utmost delight that I announce that the National Association of Independent Life Brokerage Agencies (NAILBA)

Monthly Commentary

Nonalcoholic Fatty Liver Disease (NASH)

Robert Goldstone

Those of you old enough to remember the last Nash automobile that rolled off the production line in 1957 know that...

Three New Facts About Individual Insurance Reform

Janet LeTourneau

The Department of Labor (DOL) released “FAQs about Affordable Care Act Implementation (Part XXII)” on November

21st Century Prospecting And Production

W. Harold Petersen

To start the year 2015, we encourage producers to consider the untypical and highly profitable markets such

Eight Pathways To Keeping Resolutions

Jack Marrion

Keeping resolutions is a bugbear. Why? Our brain develops mental pathways when we continue to do something

Under The Radar And Over The Rainbow

Ronald R Hagelman, Jr.

Create the understanding of the problem or locate the existing need and provide a solution. We got it. The only variable

News Releases


Gregory Maciag, president and CEO of ACORD (Association for Cooperative Operations Research and Development), announced his plan to retire on January 15, 2016. The ACORD board of directors accepted the plan and approved......

Partners Advantage

Partners Advantage Insurance Services, LLC, has announced its acquisition of ­Independent Life Brokerage (ILB) of Florham Park, NJ. The ILB offices in Florham Park and its employees will become a part of the Partners......