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Issue: October 2009 See all issues

FEATURES

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Life Insurance To Have Tough Year, Rebound Next Year, Limra Says

Life insurance premium had the worst half-year since 1942, according to LIMRA. Individual life insurance annualized premium has dropped 23 percent so far this year. Variable life sales were harde

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The Fallen Advisor: Tales Of Epic Insurance Fraud

You think you know what serious insurance producer fraud looks like. It''s the life agent who pockets the premium and finds out how easy it is. It''s the policy seller who uses someone''s persona

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LIFE

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What Every Life Producer Needs To Know About The Big 3 Impairments

When dealing with an impaired risk case, many times the Big 3-coronary artery disease, diabetes and cancer-are involved, either individually or in some combination. Today, advisors who are well-p

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Tap Into The 62% Now's The Right Time For A Policy Review

The National Association of Insurance Commissioners reports that 62 percent of the people who own life insurance do not really know what they have or why they bought it. That is a startling fact

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ANNUITIES

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Due Diligence In The Age Of Uncertainty

What Advisors Must Consider When Evaluating Annuity Product Providers

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Federal Government Recognizing Annuities' Power For Retirement Security

More seniors are recognizing that immediate-income annuities can act as their pension as employer-provided plans fade away. Now Congress has a report and a pair of bills that not only acknowledge

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HEALTH

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Life Expectancy Compression: Effects On Longevity After Moving Into An Ltc Facility

Life expectancy has been on an upward trajectory for more than 100 years. According to the most recent report released by the AARP, longevity for those age 65 and older will increase 89 percent o

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FINANCIAL

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10 Reasons Financial Advisors Choose To Go Independent

Many advisors have indicated that becoming independent can create some initial anxiety from the perspective of transitioning one’s book of business. But that is not stopping them from taking the independent route.

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BUSINESS

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Sell A Step Ahead Of Everyone Else: A Unique Selling Proposition Can Make The Difference

The question "Who am I?" is not just an age-old, navel-gazing question people have asked themselves since forever. It is what producers need to understand about their own business before others c

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SPECIAL FEATURE REPORT

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Life Insurance To Have Tough Year, Rebound Next Year, Limra Says

Life insurance premium had the worst half-year since 1942, according to LIMRA. Individual life insurance annualized premium has dropped 23 percent so far this year. Variable life sales were harde

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LIMRA INSIGHTS

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Turning To Teaming To Get The Job D

For years, the insurance companies have grappled with the problem of developing and maintaining an effective distribution strategy to help them reach their targeted market. But as the world chang

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MDRT INSIGHTS

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Try Living Without It Mdrt Member Explains How Personal Tragedy Helped Her understand The Critical Value Of Disability Insurance

This is a report of one of the featured Main Platform presentations at the 2009 MDRT Annual Meeting in Indianapolis. Rosemarie Rossetti jokingly told attendees at this year''s MDRT Annual Meetin

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AALU INSIGHTS

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Taking Stock & Looking Ahead On Key Issues Facing Advanced Life Insurance Planning

We began 2009 with a financial crisis, a flagging economy, escalating budgetary problems, a new Congress and president and an extremely ambitious federal legislative agenda. The life insurance i

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Employers To See 10.5 Percent Hike In Health Costs

Overall health care costs are projected to grow by 10.5 percent over the next 12 months, according to an Aon Consulting survey of 60 health insurance companies, collectively representing more tha

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Q1's Retirement Assets At $13.4 Trillion

The total U.S. retirement assets for the first quarter of the year were 5 percent less than 2008''s fourth quarter, as indicated by the Investment Company Institute''s report, "The U.S. Retirement

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Illinois Revokes Funeral Insurance Agent's License

The Illinois Department of Insurance revoked Edward L. Schainker''s license on charges that the life insurance agent developed, marketed and then sold an insurance scheme he called the "Program"

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Beacon Shows Quarterly Drop For Fixed Annuities

Although fixed annuities'' 2009 secondquarter sales beat 2008''s second-quarter numbers by 10 percent, the most recent data from the "Beacon Research Fixed Annuity Premium Study" reveal that seco

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