Between The End And The Beginning December 2019 BY: SUSAN RUPE, JOHN HILTON, CASSIE MILLER This year was either post-one thing or pre-another. It was post-vacated Department of Labor fiduciary rule but pre-National Association of Insurance Commissioners new sales standard. It was post- “repeal and replace” and pre-“Medicare for All.” And post-Securities and Exchange Commission Regulation Best Interest approval and pre-Reg BI compliance. The worlds of life insurance, annuities, health insurance and finance all seem mid-turn from one reality into another. We are starting to see the dim outlines of what that new world looks like in 2020. In the following three articles, we’ll see: New York has forged ahead with its tough Regulation 187, which not only tightens the standard for annuity selling, it also brings life insurance under the same standard. Will that new standard guide the direction for the NAIC’s new model rules? Medicare for All is the rallying cry of some of the leading Democratic hopefuls on the presidential campaign trail. But what does it really mean? And are all the candidates singing the same tune? Reg BI has been an enigma stuffed into a euphemism sandwich since it was prepared by the SEC. Is it really a best interest standard? Does it really change anything? If you were thinking it won’t, think again. Read our full feature online.