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Jason Kestler
Income riders: Don’t be blinded by the shiny object
Article posted by Jason Kestler
We are all drawn to shiny objects in one way or another. They take many forms: a new car, a big diamond, that killer pair of shoes. In today’s annuity market, income riders are riddled with shiny objects. Let's explore them in detail.
Jared Trexler
IRS regulations create new type of retirement income annuity: The QLAC
Article posted by Jared Trexler
On July 1, 2014, the IRS released the final regulations for qualifying longevity annuity contracts. Thanks to these regulations, you will now be able to purchase certain annuity contracts that can be excluded from the fair market value you use to calculate your required minimum distribution (RMD).
Jeff Reed
Living and dying with dignity: The right combination of life, LTC and critical illness
Article posted by Jeff Reed
We have discussed the merits of LTC and chronic illness riders in this forum on more than one occasion, always in an effort to understand the nuances that differentiate one offering from another. The hope, of course, is that there is a clear winner. The reality, unfortunately, is much more complicated.
Bill Coffin
6 feverish notions for fixing health care reform
Article posted by Bill Coffin
Medical liability reform, incentivizing health insurance and revisiting pre-existing conditions are some considerations to fix health care in the U.S.
Joe Simonds
13 reasons to never buy an email list
Article posted by Joe Simonds
I get it. You need more qualified prospects to add into your email list. You would like to have more prospects raising their hand after receiving your email every week; however, the price of an email list comes with some big risks if you decide to take this email marketing shortcut. Let me explain.
jberson
Why Ken "I hate annuities" Fisher has a problem
Article posted by Jeffrey Berson
We have all seen it. The big advertisement from Fisher Investments: "I hate annuities, and you should too!" Ken Fisher is making a splash with this, but as is typical with this kind of promo, his "special report" is one-sided, very poorly researched and limited in scope.
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Tye Elliott
Which voluntary insurance platform is right for your business — group coverage or individual plans?
Article posted by Tye Elliott
Sometimes it’s smarter for your clients to make group insurance available to their workforce, while at other times it’s best for them to provide individual coverage options. When it comes to voluntary coverage, both group and individual plans have distinct advantages and your clients have the option of providing workers with access to one or the other, or even both.
kstartt
An exit plan for the running of the bulls?
Article posted by Kevin Startt
A couple of weeks ago, I read that one of the instructors at the running of the bulls in Pamplona, Spain had been pinned and gored. It made me wonder, with the lack of boredom in the markets this summer in capital markets across the world, if we might be headed for the goredom of a volatile autumn.
Amy McIlwain
The digital impact of the World Cup
Article posted by Amy McIlwain
The 20th World Cup is over, but it sure did make its mark. Here's how the social media hype around this World Cup has surpassed everyone’s expectations, and how advisors can capitalize on events like this.
AdamC_Johnson
Three key platforms for selling insurance via social media
Article posted by Adam Johnson
Here are the three key platforms for selling insurance via social media, and how best to take advantage of them.
Jeff Reed
Decumulation and selling into a loss
Article posted by Jeff Reed
Most of you will understand the term "selling into a loss." Decumulation? Maybe not. It is, however, a much more descriptive term than “the income phase,” as it is literally the opposite of accumulation. As such, certain things that work in a client’s favor during the accumulation phase — like dollar cost averaging — work against them during decumulation.
Vanessa De La Rosa
13 insurance industry heroes you need to know
Article posted by Vanessa De La Rosa
There are many heroes in this line of work, most of them unsung. They run the gamut from executives directing 70 million hours of charitable work in a single year to visionaries working to transform the way we think about and plan for death to educators inspiring the next generation of workers. These are the true success stories, the ones that leave behind a legacy.
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