January 2017 Issue


FOCUS

Mutual Of Omaha

Our Industry is Rapidly Changing
In 2016, the insurance and financial services industry continued to experience dramatic change. It’s......


Ohio National Financial Services

As I look forward to 2017 and reflect on 2016, I see a world of opportunity for Ohio National and our industry. We continue to grow with new products, services and distribution networks, in the midst of considerable environmental challenge.......

Foresters Financial

At this time last year, it was hard to imagine the financial services operating environment could become any more uncertain. But the 2016 election results brought an increased level of unpredictability as we wait to see how details will......

American National Insurance Company

2016 was another great year for the Independent Marketing Group at American National Insurance Company (ANICO) with double digit growth in both our life and annuity lines of business.  We are proud of the continued steady growth of......

Allianz Life Insurance Company of North America

Positioning Life Insurance As Your Client’s Financial Engine

As we embark upon a new year, it’s fair to say that there is a good deal of uncertainty facing the financial services industry.

This......

SBLI of Massachusetts

Is it possible for an agency to make term insurance a profit center? We think–Yes!

It’s not news to anyone in our market segment that we are going through a major distribution re-alignment. Today’s......

Mutual Trust Life Insurance Company, A Pan-American Life Insurance Group Stock Company

Crowdfunding Since 1883

There is an opinion among some that crowdfunding has the potential to disrupt the insurance industry;  that younger people, disillusioned by the financial crisis and the belief that the financial......

National Western Life Insurance Company

Two words come to mind when thinking of the year ahead.  They are of similar construct, distinctly different in meaning yet inextricably linked.

Those words are uncertainty and opportunity.

At National Western......

OneAmerica

Ready to navigate our industry’s changing landscape

Regulatory shifts and other market forces colliding promise to transform our industry in the coming year. It creates a level of ambiguity that may make......

Broker Words

Broker Words

I’m privileged to announce that the National Association of Independent Life Brokerage Agencies (NAILBA) presented Peter Holden, CEO of CPS Insurance Services, Newport Beach, CA, with the 2016 Douglas Mooers Award for Excellence,......

General Interest

Preparedness

We all know the use of referrals is unquestionably a proven method of solidifying where your next appointment will come from. However, this article is not focused on emphasizing the importance or benefits of asking for referrals. That’s......

Where Have All The Flowers Gone? Where Have 57 Years Gone!

Having completed the sale of my life insurance brokerage general agency and still being of sound mind and body, I was compelled to commit my past life insurance career to print.

In December, 1959, I completed my tour of duty......

What Is Your Placement Ratio And What Is It Costing You?

I don’t know about you, but we keep a close eye on our placement ratio here.  In my mind a lot is determined by our placement. (By the way, we also like to refer to it as lives protected.)  One way placement ratios are......

If You Build It...

(An excerpt from the book,  “Man on a Mission: How to Succeed, Serve, and Make a Difference in Your Financial Services Career.”)

Remember Roger Bannister? Until he set a record......

Are You Ready For the Silver Tsunami?

Warning: All families living on the fragile coast  between financial security and financial disaster, there is something coming your way—a Silver Tsunami.  This is larger than anything we have seen before.  We......

Monthly Commentary

Crediting Systems

Once upon a time, being a standard risk in the underwriting process was the best you could hope for.  It meant that your health was at the top of the group of insured lives being considered and eligible for the best rate, and that......

Final Instructions For Completing Summary Of Benefits And Coverage (SBC) Templates

Background
On June 16, 2015, final regulations concerning the requirements of Summary of Benefits and Coverage (SBC) were published for all group health plans, including Health Reimbursement Accounts (HRAs). However,......

The New Year Is Upon Us

The New Year is upon us. Most people use the first month of each year to be the time they reflect and plan out their goals and objectives.  Our hopes for the realization of our goals forces us to adopt new plans and sometimes new......

Cognitive Decline In Seniors

Aging alone causes seniors* to make worse financial decisions even when dementia is not present and the senior is in good health. It isn’t a lack of available education that causes seniors to make less than optimal decisions–which......

Resolutions And Rants

It is that time again where many of us make promises to ourselves to hopefully reform our most aberrant concerns. These self-reflective and intended to be self-fulfilling prophecies are usually based on our oldest and most worrisome personal......

News Releases

Foresters Financial

Foresters Financial 

Foresters Financial™, an international financial services provider, has increased the non-medical face amount limit of its U.S. life insurance products from $250,000 to $400,000.1......

Mutual Trust Introduces Horizon Value

Mutual Trust Introduces Horizon ValueTM

Mutual Trust Life Insurance Company, a Pan-American Life Insurance Group Stock Company, has introduced Horizon ValueTM participating whole life insurance, a leader in early, fast, guaranteed......

Allianz Life Names Brandriet and DeChellis to New Roles

Allianz Life Names Brandriet and DeChellis to New Roles

Allianz Life Insurance Company of North America (Allianz Life®) announced that it has named Mike Brandriet as president of its wholly......

Special Milestone For Petersen International Underwriters

Special Milestone For Petersen International Underwriters

Petersen International Underwriters is proud to announce the celebration of its 35th anniversary as a Coverholder for Lloyd’s of London.

Over......