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Is your income bucket plan an inflation trap?
Article posted by Kevin Startt
In the financial services industry we have been polarized between annuity advocates and the brokerage industry that has been trying for a decade or so to make indexed annuities a securities product. Thanks to the new ninth wonder of the world, back-casted compounding — I am slowly moving towards the camp of making this popular product a security.
Paul M Mallett
Don’t fall prey to the summer sales slump
Article posted by Paul Mallett
Now that winter's over, I’m thinking multiple motorcycle trips, camping, baseball games, concerts, and of course, more time with the grandkids. But I’m also thinking about how to avoid the dreaded summer sales slump.
Chris Orestis
LTC for employees' loved ones is costing businesses $74 billion annually
Article posted by Chris Orestis
According to the U.S. Bureau of Labor Statistics, businesses lose an average of 2.8 million work days each year due to unplanned absences, costing employers nearly $74 billion. In fact, the impact on employment is so significant that 11 percent of workers will take a leave of absence and 10 percent ultimately will quit their jobs.
Tye Elliott
Open enrollment: Early engagement with clients is the key to an effective open enrollment season
Article posted by Tye Elliott
Even though the open enrollment period is months away, savvy decision-makers should start strategically thinking about health care benefits and how they can affect the business. By having the conversation now, advisors can help clients understand the changing health care landscape and assess the needs of their workforce to offer the best health plans to employees.
David Lewis
Dave Ramsey deserves everything Brian Stoffel gave him — and then some
Article posted by David Lewis
Last year, the financial giant Dave Ramsey was bested on his own show. But maybe this is all one huge misunderstanding. Could Ramsey simply have been mistaken about his math? We all make mistakes, after all. Nope. Not at all.
Justin R. Brown
Using screen-share technology to connect with clients
Article posted by Justin Brown
An in-person conference is often ideal when meeting a client for the first time, but if you’re a life insurance agent selling policies to companies across the country for their benefit plans, this may not be a feasible option. Here are some benefits of using a screen-share program.
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Bill Coffin
​A letter from the editor on Hobby Lobby
Article posted by Bill Coffin
Hi, everyone. Bill Coffin here. I am the Group Editorial Director of Summit’s insurance media, which includes both editions of National Underwriter, Claims, and Retirement Advisor. I also oversee our digital efforts, which are the core of our business, and which include LifeHealthPro, PropertyCasualty360 and ProducersWEB.
Wayne Cotton CLU
Is the fear of missing out preventing your success?
Article posted by Wayne Cotton CLU
The fear of missing out (FOMO) is a recurring condition that kills the productivity of many people in our business. You have to watch carefully for the symptoms of FOMO and take action right away when you notice it creeping up.
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.
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.
Larry Klein
3 ways advisors can avoid the summer blues
Article posted by Larry Klein
Most every financial services professional fails to do additional business with existing clients, or at least not as much business as they should. They constantly look for new clients. Big mistake. Here are three ways to use the summer to reignite relationships.
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).
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