July 2015 Issue


Unwinding Split Dollar Is Sometimes The Best Way To Go

Brett W. Berg and  Matthew H. Fitch

An overview of the problems when dealing with older split dollar arrangements and some

Seven Strategies For Fueling IUL Sales

Mark Peterson

Strategies designed to help you educate consumers about IUL and leverage its power to meet their needs in virtually any......

Is This The Future Of Life Insurance?

David P. Chittenden and  Rick Stolz

The shift in underwriting nicotine use has created a promising niche market.

Web Exclusive Content


Fred E. Wernette

This article was written because I was feeling lazy about 27 years ago and writing about goiters seemed to be the...

When Life Hands You Lemons...

Maggie Leyes

Hannah’s mother wasn’t the main breadwinner, but not having life insurance still had major financial repercussions for years to come.

Broker Words

In Memoriam

Stephen P. Howard

Deafening silence. AIG reported sad news earlier this year in the announcement of the passing of former...

General Interest

Making The Case For Lifetime Benefits In LTCI

Marc Glickman

As the distribution of this product feature has dwindeled, the need for lifetime benefits has only grown.

Underwriting: The Producer's Responsibility During The Life Of The Contract

Lisa Morris

There is a misconception that after the policy is in force, the producer's involvement with that policy is complete.

Special Insert

2015 Long Term Care Insurance Survey

Claude Thau, Dawn Helwig and Allen Schmitz

Seventeenth Annual LTCI Product Comparison

Monthly Commentary


Robert Goldstone, MD

Although better surveillance and control of high blood pressure has led to a decreased incidence of stroke, it remains

Hot Tips For HSAs

Janet LeTourneau

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

External Network Threats

Jack Marrion

There is a network of buses spread throughout the city traveling in a network of streets. If a street is under...

Your Body Like My Body Is A Machine!

W. Harold Petersen

The only difference between a key person’s body and an industrial machine is that the human body has a soul. But...

Combo Blues

Ronald R. Hagelman, Jr.

I love the blues. Complacency and inertia are not available when confronted with a driving beat, coupled to a soulful...

News Releases

Mutual of Omaha

Mutual of Omaha

Mutual of Omaha, a leading provider of group benefits, has announced a partnership with Amplifon Hearing Health Care to provide hearing aid benefits and discounted screening services. 




The National Association of Independent Life Brokerage Agencies (NAILBA) has named Jason Lea, CFP, Brokers’ Service Marketing Group, Providence, RI, to the NAILBA board of directors.......

Petersen International Underwriters

Petersen International Underwriters

Adding to their extensive disability and income protection insurance catalogue, Petersen International Underwriters have announced the recent launch of the Graded Benefit......