July 2018 Issue


FOCUS

Use Private Placement To Open Doors

At The Leaders Group, we see three to four private placement cases a month on average, usually as a variable universal life policy but sometimes......

Expenses Matter

When comparing permanent life insurance solutions for clients, some producers are drawn to indexed universal life insurance (IUL). Universal life’s......

All Guarantees Are Not Created Equal

Life insurance can be complex.  With all of the moving parts—interest rates, dividends, crediting methods, living and death benefits,......


Broker Words

Broker Words

In Memoriam

Sad news indeed from Dixon Wells—we’ve lost greatly impactful industry influencer Clint Janecek. For the last nine years Clint was the CFO of Dixon Wells LLC, a major regional BGA based in Birmingham,......

General Interest

Point-Of-Need Care Funding...The Journey Continues

For the past four-and-a-half years my business partner Ron Hagelman and I have been on a journey. In 2013 we were engaged by a British reinsurance company to develop a marketing plan for a product they wished to introduce into the United......

Marketing Update

Recurring Premium Products Fuel Continued Growth Of Asset-Based Long Term Care Products

In a single word, the market for asset-based long term care (ABLTC) protection is booming. All factors considered the growth outlook continues to be promising for financial professionals and carriers alike, and most important for the policyholders......

Special Insert

2018 Milliman LTCI Survey

PLEASE NOTE: PDFs of the 2018 survey can be purchased here.

 

The 2018 Milliman Long Term Care Insurance Survey is the......

Monthly Commentary

Idiopathic Pulmonary Fibrosis

A difficult and often fatal disease in older adults, idiopathic pulmonary fibrosis (IPF) is one of a spectrum of diseases called interstitial lung disease.  The title accurately describes the process: Idiopathic (cause is unknown),......

Hot Tips For HSAs

Here’s a “Top Ten” list of reasons why employers and employees should establish Health Savings Accounts (HSAs). 

10. HSA-eligible high-deductible health plans can save premiums for both employers and employees.

9. ......

Disability Insurance: Insuring Peace Of Mind

When discussing individual disability insurance (IDI) products with a prospective client, you could share many real-life examples of how IDI policies have protected families from financial ruin. 

For example, from the website......

Unintended Consequences And Magical Numbers

Many years ago a study claimed that New York heroin addicts were stealing $4 billion of private property per year. This caused a big outcry and a demand for more police. When someone asked how that number was derived, the study authors......

Review

Like many readers of this column I am second generation “wholesale brokerage.” The promise that my father helped develop beginning in the early 1960’s was a guaranteed commitment to America’s consumers to deliver......

News Releases

Athene Annuity and Life Company

Athene Annuity and Life Company, a subsidiary of Athene Holding Ltd. (NYSE: ATH), announced today the launch of Athene AgilitySM, a new addition to their suite of fixed indexed annuity (FIA) products designed to help retirees achieve their......

OneAmerica

OneAmerica® has launched a new whole life insurance product that provides an opportunity to help the insured build strong cash values for their long-term goals, while also providing protection against unintentional policy lapse.

The......

Insurance Network America

Laurie Beck, president and CEO, Insurance Network America, Boise, ID, was honored recently by receiving the inaugural Icon award from the Idaho Business Review. The publication recognized 16 community leaders who fit that description.

The......