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Issue: September 2013 See all issues

FEATURES

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Whole Life Vs. Universal Life: UL Evolves into Legacy-Protector and Robust Wealth Generator

Universal life offers flexibility and the opportunity to generate significant returns.

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Whole Life Vs. Universal Life: Whole Life Changes with the Times and is Perfect for These Times

No longer “boring old vanilla,” whole life has added flexibility with riders and living benefits, making it worth considering in today’s interest rate environment.

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IN FRONT

Getting the Pulse of Life Month

The LIFE Foundation coordinates the annual observance of September as Life Insurance Awareness Month (LIAM). This effort carries a greater burden each year as the number of life insurance policies in effect in the United States continues to decline.

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LIFE

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Is a Million Dollars Enough Today?

Why clients may need twice as much life insurance to fund survivor income.

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FORGET THE WIFE, LOSE THE SALE

Your married clients are two separate people who require different approaches to gain their trust – and their business.

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ANNUITIES

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Longevity Insurance Gets a Makeover with Deferred Income Annuities

The rise might return the long-lost “annuity advantage” over CDs.

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More Indexed Annuities Feature ‘Enhanced’ Death Benefits

Riders offer a bump up in the death benefit for an extra value to offset lower rates.

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HEALTH

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HEALTH INSURANCE EXCHANGES OPEN OCT. 1, READY OR NOT

Only a few weeks remain in which to tie up the loose ends and get the health insurance exchanges open for business.

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FINANCIAL

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Variable Annuity Changes Rattle Advisors, Clients

As carriers pull back on variable annuity rates and options, advisors are pitching the advantages of stability, diversification and investment hedges aimed at absorbing volatility inherent in market spikes.

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BUSINESS

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Why Your Sales Training Needs an Architect

The second part to get right in your sales training is the delivery architecture.

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Terri Sjodin: How to Create the Perfect Elevator Pitch

Terri Sjodin Interview: We’ve all heard the term “elevator pitch,” that mini-speech designed to grab someone’s attention, tell them what you do and get them interested in your services – all in the time it takes to ride in an elevator.

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THE LAST WORD

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Simple, Innovative Ways to Invigorate

Here are some inventive ways to give your practice an added boost through the final months of the year.

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LIMRA INSIGHTS

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Retirement Planning Begins with Income Protection

Advisors need to make the public aware of how life insurance can help them to have a secure retirement.

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MDRT INSIGHTS

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Success Is a Marathon, Not a Sprint

Involvement in industry associations will help you to stay connected and give back.

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NAILBA INSIGHTS

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Some Clients Need Flexibility to Plan Long-Term Care Funding

Life policy riders with an accelerated death benefit for clients who are chronically ill are one way to address concerns about funding future long-term care needs.

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NAIFA INSIGHTS

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Managing Time is an Art Form

Conquer your time-control issues by following the steps outlined in this article.

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