All ProducersWEB.com Content http://www.producersweb.com/p/pweb/rssSubscribe.php Fri, 17 May 2013 21:15:02 -0400 http://www.producersweb.com/images/t/pwebTheme/pwebLogo.gif http://www.producersweb.com Feed provided by Producersweb.com Click to visit. http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=08a99ee276febb3eeacdca8ba0db1289 The IRA rollunder is, without a doubt, the most exciting estate planning and preservation technique in use today. Jeffrey Berson Fri, 17 May 2013 14:00:00 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=e883f292d71687ad3330fdf4e35f95e7 My mother was diagnosed with breast cancer in her mid-40s. I was 15 at the time; as the years wore on, my high school memories were not filled with football games, track meets, study sessions and parties, but surgeries, hospital stays, chemotherapy sessions, and the overwhelming fear of losing my mother. Kathryn Mayer Fri, 17 May 2013 13:07:22 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=825391e92d79ccd61c24bddeec4b685d This week's collection includes America's disappointing place among the world's retirement systems, an update on Bernie Madoff's life in jail, industry veterans' thoughts on social media, avoiding family conflicts during the estate planning process, and more. Paul Wilson Fri, 17 May 2013 13:00:00 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=a9b4d4fcb839a3298fe1ea2055b3b6fd If you feel as if your life is completely out of alignment, follow these five tips we briefly discuss in this video for creating balance in your life. Anne Bachrach Fri, 17 May 2013 12:52:00 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=e448034f2c6c9849d83455f6dc6a05db It’s not news to you that competition is really heating up. There are more advisors competing in your space every day and there are fewer affluent clients looking for advisors. The phone doesn’t ring like it used to. Strategic alliances don’t work like they used to. But Mark Hurley says that as business leaders, we don’t think these headwinds impact us because we are anchored in the past. Kathran Martin Fri, 17 May 2013 12:00:00 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=97a2cd80ce12a6ca5b6c9987ca69b0d3 Generation X took a major hit during the Great Recession, losing nearly 50 percent of its median net worth between 2007 to 2009. Benefits Pro Fri, 17 May 2013 11:54:03 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=615291fef1500d4c6329e4c51ae83c48 The Department of Health and Human Services announced Thursday it will, for the first time, impose tough national health and safety standards for all child care facilities that accept government subsidies. Benefits Pro Fri, 17 May 2013 11:40:08 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=879363f1644d1c6946c968d5d4079862 Like many Americans, adults in the United Kingdom are in denial about what they need to save for retirement. Benefits Pro Fri, 17 May 2013 11:34:44 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=9d7e013b9ef1f0de6c20d8c32f46ba42 Even though 64 percent of Canadians have a financial plan, and 80 percent of those say having one has helped them achieve their fiscal goals, a majority of our neighbors to the north say that a major life event would devastate their finances. National Underwriter Fri, 17 May 2013 11:26:27 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=39116c1b6afc84fffe914ad437fc841b The White House on Thursday launched a new campaign promoting PPACA and urging Americans to join supporters. Benefits Pro Fri, 17 May 2013 11:22:57 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=948ff27bb24fd16ed99b318ef8485efd Members of the House Thursday voted 229-195 to pass H.R. 45, a bill that would repeal the Patient Protection and Affordable Care Act of 2010 (PPACA). National Underwriter Fri, 17 May 2013 11:20:09 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=fd0cb5ce7fd3cbc0334c3739fd520b2d Employers looking to boost participation in corporate wellness programs are adding competitions to the mix. Benefits Pro Fri, 17 May 2013 11:15:12 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=286f0c9eb347c8d35f88482c3defab8c Bull markets normally signify optimism about stock prices and the nation's economic outlook, but many investors today are running scared. National Underwriter Fri, 17 May 2013 10:54:22 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=33d682ecca5cc694993f0dfd1f5eb8dc A company sales director pegs a promotion to the awareness month effort. National Underwriter Fri, 17 May 2013 10:50:53 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=19daabd5fb7f0613097d44315b42319a DMEC reports that the cost of most accommodations is low. National Underwriter Fri, 17 May 2013 10:45:21 -0400 http://www.producersweb.com/r/SAG/d/contentFocus/?pcID=88d5b26ebc41a555e196132d90ea9a4e Your client’s wealth, income plans that you are recommending, and income riders you are selling are being stalked by a “Silent Killer”. It's not too late to protect you and your clients. Senior Advisory Group can help! John Walsh Fri, 17 May 2013 00:00:00 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=813b06f0a913d6bb823f79dd304d975a Steve and Dan focus on the important issue of DI retirement protection by mentioning what the policy secures and how it works. Steve Savant Fri, 17 May 2013 00:00:00 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=184a250a865c103ee2aa2b396154d30b SANTIAGO JANAIRO MAJAM Thu, 16 May 2013 17:18:06 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=6687832cd2665bfb865125db0673540f Dietrich & Associates Thu, 16 May 2013 16:50:14 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=0188471f3b1757cda2ef9f500e97b99c The following is my take on how to assess the amount of life insurance one needs, and what products should be covering those needs. This discussion is intended only to give a general, high-level overview of a life insurance needs assessment. (And by all means, if you disagree with this self-taught theory, point out my mistakes!) Sheryl Moore Thu, 16 May 2013 13:45:00 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=384e0ac079e83ee0d1de38ba5713db77 After looking at these ratios, the obvious question is this: Why wouldn't everyone run a 100 percent referral-based business? Brad Johnson Thu, 16 May 2013 13:20:00 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=7ea5fd324bfcbc322f7c7c63449e445b Joe Simonds Thu, 16 May 2013 13:16:02 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=d00344d7fb66eb225eaf71dad767d681 The following article offered by Politico is beginning to define the scope of allegations that the IRS specifically targeted conservative non-profit groups. Kim Magdalein Thu, 16 May 2013 12:23:00 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=68a60d032a5beb6cd0b206aeed2112d8 As if the Internal Revenue Service weren’t bad enough before… Now as part of a trio of scandals rocking the administration, we learn the IRS — whether systemically or piecemeal — has been targeting right-wing interest groups seeking tax exemption for extra scrutiny. Ouch. Benefits Pro Thu, 16 May 2013 12:18:56 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=4e512a0471ef3589d7c777fe586bb0e1 The amount of money retirees need to set aside for medical expenses dropped 8 percent this year, though the dollar figures are still considerable. Benefits Pro Thu, 16 May 2013 11:46:45 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=25add9b2b29684a2cd77ff080e9b8445 Investors are positioning themselves for slower growth in China and prolonged low inflation, which has sent commodities allocations to a four-year low. Europe is starting to come back, with investors becoming optimistic about the investment opportunities there. Benefits Pro Thu, 16 May 2013 11:41:43 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=261a1ef4c68306b988361771355aa044 With House Republicans just a day away from once more voting to try to repeal President Obama’s health reform law, congressional budget analysts suggested Wednesday that repealing the law would increase the deficit. Benefits Pro Thu, 16 May 2013 11:32:01 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=a28ac8391e2fbf3675966f2d31614084 Few things in life are as tough as planning a funeral. Benefits Pro Thu, 16 May 2013 11:24:50 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=fc2a5c0e5b2f3df1132e3b2c4fcdc6ef Low-income Americans will still be able to use health savings accounts after Jan. 1, 2014. National Underwriter Thu, 16 May 2013 11:19:18 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=27223d3888937b4c84e5c65460e5062a The Obama administration on Wednesday announced a $1 billion initiative to bring down health care costs and improve health care delivery. Benefits Pro Thu, 16 May 2013 10:49:23 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=36860d6e7093ec024a0dd5e8e45b458c Upon receiving a job offer, failing to negotiate salary could hurt the job candidate’s final compensations, according to a recent survey by The Creative Group. Benefits Pro Thu, 16 May 2013 10:42:37 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=8aad0be282813fba049c9e3af50729c1 The last repeal budget impact estimate was $109 billion, officials say. National Underwriter Thu, 16 May 2013 10:31:51 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=3b91c02dfa94d91b665f638bfa26a931 The insurer's first quarter operating profit totaled $134 million, a 38 percent decline from the $217 million recorded a year ago. National Underwriter Thu, 16 May 2013 10:25:56 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=65bbad03d3b045e6347fbedff34dd597 The use of social media for 401(k) information is highest among mid-sized plan sponsors, who represent plans with total assets of between $20 million and $100 million. National Underwriter Thu, 16 May 2013 10:19:34 -0400 http://www.producersweb.com/r/PMG/d/contentFocus/?pcID=802e4abf4e5a1b39bc927f2d98497542 Paul Mallett Thu, 16 May 2013 09:49:48 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=9acab4ff117d59dc79fcdeb733381d01 Catherine Weatherford Thu, 16 May 2013 08:52:29 -0400 http://www.producersweb.com/r/RIM/d/contentFocus/?pcID=58ac75bfc96a941487e90cb64b3beb25 The Affordable Care Act (ACA) is the largest change to the United States health care system since the inception of Medicare in 1965. John Walsh Thu, 16 May 2013 00:00:00 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=8669c213882d8ff7f3eeee1b6b7f8208 Steve and Dan explore how the disability buy-sell product is an excellent solution to this issue and how it is an effective way to save the business from financial distress and possible ruin. Steve Savant Thu, 16 May 2013 00:00:00 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=739e046fdda203f262b7e2c5bbe84ae7 Ann Zuraw Wed, 15 May 2013 19:07:46 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=8aa5f52fd30c5f3b40b21130d99ac39f Throughout the world, legislators and regulators are banning commission-based advice. Even here is the U.S., there has been much discussion about instituting a universal fiduciary standard, which would effectively ban commission-based advice. The problem is, our research has shown that most people are willing to far less than the cost of providing that advice. Robert Kerzner Wed, 15 May 2013 14:00:30 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=07c63201c6280b2e51ec6ae5893452f1 Here are five facts you should be sharing with clients and prospects during Disability Awareness Month (and the rest of the year, for that matter.) Paul Wilson Wed, 15 May 2013 13:36:00 -0400 http://www.producersweb.com/r/CLIS/d/contentFocus/?pcID=476213164425f6405f5b77efdde2bb87 We shopped the case to nine carriers and asked that the carriers to disregard the family history, since it appeared the history was most likely due to poor habits the client did not share. Andrea Caruso Wed, 15 May 2013 12:29:00 -0400 http://www.producersweb.com/r/TAG/d/contentFocus/?pcID=3c68416266d18da077fd10804e344fe5 LEARN HOW TO USE THIS POWERFUL STRATEGY TO HELP YOU CLOSE MORE LIFE BUSINESS! George Tan Wed, 15 May 2013 12:00:00 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=7659da494cfc859b71fedd57fe459cc1 Despite placing high value on earning income, most adults in their 20s and 30s do not have disability insurance, which protects their income in cases of illness or injury, according to a recent survey by LearnVest and The Guardian Life Insurance Company of America. Benefits Pro Wed, 15 May 2013 11:40:54 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=5746f2f7ecc9759f650eefe6573dc7ef The number of doctors using electronic health records has topped 90 percent, and nearly half of the doctors say they now use health information exchange technology, an increase of 32 percent, according to a new survey from Accenture. Benefits Pro Wed, 15 May 2013 11:34:26 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=ae35ff7adffd9cc51d40f34e47aed486 A little more than half of Americans believe that future generations will be worse off financially than they are, a view shared by most Europeans, but only one in five Chinese, according to a new report. National Underwriter Wed, 15 May 2013 11:27:38 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=4b933912ae6d4c1951f07b2a5ca324e2 Individual life combination products grew 10 percent in 2012 — the fourth consecutive year of double-digit growth, according to a new report. National Underwriter Wed, 15 May 2013 11:21:03 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=ffe955a78ae98a285c42d531db866940 A lawmaker in California is trying to pass a bill that would let insurers sell life insurance-institutional care hybrids that are not life insurance-long-term care hybrids. National Underwriter Wed, 15 May 2013 11:16:55 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=2ba973d4d6d1921c399e2b50ccdca5fd More than a third of Medicare Part D beneficiaries (37 percent) say they have daily concerns about their prescription drug costs while one in five say they’ve had to make sacrifices — such as delaying filling a prescription or skipping doses altogether. Benefits Pro Wed, 15 May 2013 10:50:32 -0400 http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=ac10ef6c940538e589c54952543424a3 Covered California — the state’s health insurance exchange — announced $37 million in federal funding to organizations to help promote the exchange to uninsured residents. Benefits Pro Wed, 15 May 2013 10:47:45 -0400