February 2017 Issue


FOCUS

Accumulation Products Offer Riders That Sell Themselves

Accumulation products are the foundation of many clients’ investment portfolios.  I will focus on two product area riders with tremendous......

Yield Laddering MYGAs

Are we about to enter a rising interest rate environment after years of flat-line returns? Assuming we are headed to higher rates, how can we help......

The Keys To A Successful Annual Review Process

Congratulations! You did it! You helped your client start an indexed universal life (IUL) insurance policy, which will give their family tax-free......


Don't Sell LIRP, Present The "Insurance Wrapper"

Over the holidays I was chatting with a group of people when Joe asked me what I do for a living.

“I sell life insurance,” I said.

I braced myself for the typical response—a flatly stated, “Oh......

Why Most People Fail In Accumulating For Retirement

I have always, in my 30 years of practice, tried to put my clients first. Seven years ago, I found a strategy that would totally change my life and the lives of my clients. It revolved around debt—the debt people......

Broker Words

In Memoriam

In Memoriam
The brokerage industry, and in particular the long term care insurance battlefield, has lost one of its most passionate, articulate and charismatic leaders.  L. Nicholas “Nick” Hogan,......

General Interest

Life Insurance Under The DOL Rule

So, let’s assume that the new DOL rule is enacted as written (a whole different discussion can be had another time). What are you going to do about life insurance now?  Most of us know already that we only sell life products......

The Glory And Exclusive Wonder Of Life Insurance

When we are looking for real evidence, we need to be clear as to what we are trying to prove.

Real evidence concerning whether or not a substance is actually honey requires that we taste it.

Real evidence concerning......

Truth Be Sold

Man, I love Google.

How did we ever discover The Truth without Google?  I don’t think we ever actually did.

But today?  There it is, clear as day, pure as the driven snow.  Case in point:

I......

Marketing Update

Life BGA Panel

What products does your agency offer and what suggestions do you have for producers to further protect their clients’ financial well being beyond life products?

Nardini:
We present......

Monthly Commentary

White Coat Hypertension

Blood pressure readings are part of virtually every physician encounter and of course every paramedical exam for insurance.  Hypertension, or high blood pressure, has been well studied as a risk factor in health and disease.  The......

New Indexed PCORI Fees Issued

Under the Affordable Care Act (ACA), a fund for a new nonprofit corporation to assist in clinical effectiveness research was created. To aid in the financial support for this endeavor, certain health insurance carriers and health plan......

A Family's Last Paycheck

Of the emerging affluent people in the United States who have recently purchased life insurance, the vast majority have done so to provide some financial protection for their families. 

Instinctively people recognize the......

Behavior And Other Bits

Do Better Informed Investors Always Do Better?  
The answer is no (if you’re betting on horses). The horse sense in New Zealand is that only those horses sold at auction can compete in the high stakes......

Volunteers

“You may not have saved a lot of money in your life, but if you saved a lot of heartaches for other folks, you are a pretty rich man.”—Seth Parker

My prejudices and biases expressed repeatedly in this column......

News Releases

Partners Advantage And Peloton Global

Partners Advantage Insurance Services, LLC, a national insurance marketing organization headquartered in Riverside, CA, announced its strategic alliance with Peloton Global Distribution Services, Inc. (Peloton) of Newport Beach, CA. With......

LifeMark Partners

LifeMark Partners, Inc., one of the nation’s largest independent national insurance marketing organizations, has added a new BGA partner, Colorado Brokerage Group, LLC, based in Denver, CO. This new addition makes 38 BGA partners......