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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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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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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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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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Caution: Offer On Table May Not Be As Good As It Appears

When a new firm makes an offer to recruit you, look beyond the financial incentive.

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BUSINESS

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The Family Office Is Open For High-Net-Worth Business Wealthy Clients Need Help Managing Their Legacies

Insurance producers face an explosion in the number of new opportunities to serve clients. One of the biggest opportunities is to become a wealth advisor offering an array of services to help wea

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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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Disability Insurance Rates Continue To Rise

The number of American employees who need and are granted long-term disability payments is growing, according to the 2008 Long-Term Disability Claims Review, conducted by the Council for Disabili

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Women More Prone To Crisis, Financial Hardship

Of women between the ages of 40 and 79, two-thirds have dealt with lifechanging crises. Ranging from divorce and widowhood to disability and unemployment, these crises almost always result in e

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States Pass Anti-Stoli Legislation

Illinois has a new law prohibiting stranger-originated life insurance (STOLI) transactions. The law, passed in August, defines legitimate viatical settlements as the sale of an existing life insu

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Fixed Annuity Sales Beat Out Va Sales

For the first time since the first half of 1995, fixed annuity sales were stronger than variable annuity sales for the second quarter in a row, according to LIMRA''s "U.S. Individual Annuities Fir

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