Life >>

Steve Savant
Life insurance as an income product — you can’t set it and forget it
Article posted by Steve Savant
You’d think in the name of full disclosure, we would caution consumers at the point of sale about the dangers of mismanaging the policy and the dire consequences of surrendering or allowing the policy to lapse.

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Retirement >>

SchiffBenefits
Phantom stock plans
Article posted by Matthew Schiff
The benefit provided to the key employee under the simplest form of phantom stock plan equals the appreciation in the value of the “phantom” stock between the date the employee is credited with the phantom shares and the date the benefit is paid.

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My Practice >>

Curtis Hawks
Managing prospecting expectations
Article posted by Curtis Hawks MBA
Here are some prospecting pitfalls, followed by some thoughts on how to overcome prospecting challenges.

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Annuities >>

INERTIA / ASG
The power of the Pension Protection Act
Article posted by Mike Padawer
Many annuity owners now realize they may need to use those assets to cover long-term care expenses during retirement. Simply put, since the original goal for these annuities has changed over time, it may be time to consider leveraging the power of The Pension Protection Act of 2006 (PPA).

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Health >>

Tye Elliott
Voluntary insurance: A secret weapon for the underdog
Article posted by Tye Elliott
According to a Bankrate.com survey, approximately 3 out of 4 Americans are living paycheck-to-paycheck and less than 1 in 4 Americans would actually have enough money in their savings account to cover a medical emergency or unexpected event. This isn’t a pretty financial picture, especially when accidents strike.

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