September 2015 Issue


Planning For Protection And Upside Potential

Mark Peterson

As Americans age, their health care costs surge, and traditional sources of retirement income come under increasing pressure.

Where Does VUL Fit In Today's Landscape?

Dave Wichersham

Comparing UL, IUL and VUL, the results are similar; however, if you look at historic returns, the over-funded VUL policy......

New IUL Illustration Regulations

Dan Sullivan and Troy Bender

Collectively, the insurance industry and state regulators worked together to create The Application of Life......

Are Suze Orman And Dave Ramsey Right?

Gabriel Lindemann

They may be right when it comes to most permanent life insurance policies, but when designed correctly an IUL is a perfect and cost-effective college funding vehicle and more.

Web Exclusive Content

Varicose Veins

Fred E. Wernette

Due to man’s habit of walking upright, varicose veins have been one of the many burdens suffered. Four-legged animals

Protection Is Paramount

Maggie Leyes

A baby changes everything, including a couple’s financial plans.

Broker Words

Broker Words

Stephen P. Howard

It’s officially Life Insurance Awareness Month (LIAM). So now what do we do? Same ol’ same ol’? It is one of my most

General Interest

Could Your Next Seminar Put Your Agency In Danger?

Ria Cruz

Exercise extreme care in wording and appearance. Seminars and lead generation materials are under more intense scrutiny from regulators as well as attorneys who are turning from injury law to pursue these areas.


Marketing Update

Annuity Round Table

John Douglass, Annuities Exchange

Richard Hellerich, Great Plains Annuity & Life Marketing

Ronald Lane, Fairlane Financial Corporation

Monthly Commentary

When You Can Not Get The Information

Robert Goldstone, MD

The last touches on wrapping up a case can be some of the most difficult ones. Most everything is in, the case is ready

Embedded Self-Only Annual Limitation On Cost Sharing

Janet LeTourneau

The Centers for Medicare and Medicaid Services (CMS) and the U.S. Department of Health and Human Services (HHS)

All Your Insurance Is Important

W. Harold Petersen

Consider the commonly used forms of insurance.  House. A person buys a house on a mortgage loan basis. The mortgage

Fogs That Impact Sales

Jack Marrion

Traditional economic and financial theories assume we will always make fully rational decisions. This is the basis for


Ronald R. Hagelman, Jr.

The truth will set you free. Perhaps we have all spent too much time dancing around recognition of the painfully obvious.

News Releases

The American College


The American College

The American College of Financial Services recently announced the appointment of Dr. Ajamu “A.J.” Loving as the director of......

Legal & General America


Legal & General America

As part of their commitment to closing the life insurance coverage gap in the United States, Legal & General America has launched a digital......

Petersen International Underwriters


Petersen International Underwriters

Petersen International Underwriters, Valencia, CA, has announced that they have received the exclusive rights to offer the only 10-year......

Sentry Life Insurance/NAIM


Sentry Life Insurance Company/NAIM

Sentry Life Insurance Company and the National Association of Insurance Marketers (NAIM) recently announced a joint marketing agreement......

Voya Financial


Voya Financial

Voya Financial, Inc., announced recently that it has appointed David Wilken as president of the company’s individual life business, effective......