April 2014 Issue


How To Break Into The Business-Owner Market

William M. Rogenmoser

Develop new and valuable relationships with professionals in various fields and gain a reputation as a...

Business Tax Treatment Of Standalone LTC Premiums

Russell E. Towers

The ability to use the business checkbook to pay LTC premiums for a personal benefit plan can be the deciding factor......

What's Old Is New Again... Permanent Benefit Section 79

Brian D. Hartstein and Stephen F. Walther

An old "idea," as the origin of these plans was approximately 50 years ago, Section......

Affordable Care Act Places The Spotlight On Medical Stop Loss

John Thornton

The ACA presents opportunities for brokers to position themselves as true resources by helping companies make the right decisions relating to self-insuring and medical stop loss coverage.

Web Exclusive Content


Fred E. Wernette

What can happen in 39 years? A lot. Take a look at the unedited first paragraph as I wrote it in January of 1975...

Careful Planning Saved A Family And A Business

Maggie Leyes

Disability insurance is a sale that’s often forgotten. This family of nine proves why it shouldn’t be.

Broker Words

Broker Words

Broker World is pleased to announce that Arthur C. Jetter, Jr. has been named The Marketing Alliance’s 2014 winner...

General Interest

Inspired Production: Achieve Greatness In Your Career

Joe Jordan

Be proud of what you do, and most important, make a commitment to prospecting every day.

Thinking Like An Underwriter Can Improve Your Placement Ratio

William McGrory

 Prospects are precious, and every possible step should be taken to increase your placement ratio.

Marketing Update

Disability Insurance Awareness Month Planning Panel

Kenneth A. Bloch,  The Bloch Agency

Eugene Cohen, Eugene Cohen Insurance Agency, Inc.

George G. Davidson, Secura Consultants

Cindy V. Gentry, Life Happens and BBA Life Brokerage Agency


Monthly Commentary

Celiac Disease

Robert Goldstone, MD

Celiac disease is an autoimmune disorder of the gastrointestinal tract that is driven by exposure to dietary gluten...

New Rules For Excepted Benefits

Janet LeTourneau

On December 13, 2013, the Tri-Agencies— Internal Revenue Service (IRS), Department of Labor (DOL) and...

Maintaining Adequate Benefits To Fund Buy-Sell Agreements

W. Harold Petersen

The remarkable fact that people are living longer, working longer and are involved longer in business obligations...

Day Of The Locus

Jack Marrion

If you have ever browsed a book on psychology you may have run across something called locus of control...

Sheer Speculation

Ronald R. Hagelman, Jr.

The jury has returned a verdict on production results for 2013. For those of us defending one’s right to protect...