September 2014 Issue


Making The Case For Index Universal Life Insurance

Charlie Gipple

IUL sales are up dramatically, reflecting the fact that consumers are demanding more flexibility and versatility.

Planning In A Low Interest Rate Environment

Brett W. Berg

High-net-worth clients may have a limited window in which to take advantage of the current low interest rate environment......

What's Wrong With IUL?

Bill Zimmerman

UL has been the fastest growing product in the life insurance industry for more than a decade, catching the attention of......

Web Exclusive Content


Fred E. Wernette 

Colitis can be considered the price paid for medical progress in conquering disease. Not being concerned with illness...

Help Dreams Live On

Julie Holsinger

You can make a dream come true — and live a dream of your own.

Broker Words

Broker Words

It’s perhaps hard to believe, but the National Association of Insurance and Financial Advisors (NAIFA) is turning 125 next year. The association is marking this incredible milestone with a yearlong celebration starting with this......

General Interest

Create A Strong Revenue Stream With Disability Income Products

Ellen Crowe and Stephen E. Crowe

The key to increasing disability income sales is the ability to help your clients understand the risk of an unexpected illness or injury.

Marketing Update

Annuity Round Table

John Douglass and Richard Hellerich

Our annual discussion of annuity topics of primary concern feauring the principals of two of the industry's premier independent annuity marketing organizations.

Special Insert

In Memoriam

The health insurance industry is saddened by the loss of Dick Field, who began his career in 1970 with New York Life selling whole life policies in record numbers.  He left the company as a Chairman’s Council......

Monthly Commentary


Robert Goldstone, MD

Osteoporosis affects nearly eight million women and two million men in the United States, and its incidence is only...

HRAs And FSAs Post ACA: What’s An Employer To Do?

Janet LeTourneau

Toward the end of 2013 I wrote two columns concerning Health Reimburse­ment Arrangements (HRAs) and Health...

Your Invitation To Join The Millionaires Club

W. Harold Petersen

Membership Limited To People Who Earn Money

Or Have Accumulated More Than One Million Dollars

Does Retiring Early Increase Cognitive Decline?

Jack Marrion

To cut through the suspense the answer is yes. If you look at two individuals of the same age, the person

Easy Answers

Ronald R. Hagelman, Jr.

We are all, of course, guilty of succumbing to the temptation of embracing easy answers. However, sometimes...

News Releases

Legal & General America

Legal & General America

Troy Thompson, FSA, joined Legal & General America as vice president, product management. In his new role, Thompson has responsibility for product development......

MedAmerican Companues

The MedAmerica Companies

Bill Naylon was elected president of Med­America Insurance Company, Med­America Insurance Company of New York, and MedAmerica Insurance Company of Florida (collectively,......

Petersen International Underwriters

Petersen International Underwriters

Petersen International Underwriters, the California-based specialty insurance underwriting and marketing firm, is pleased to announce the launch of its new simplified issue......