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The New Term/Universal Life Products: A Game Changer? Maybe!
If you can say one thing about the life insurance industry (being as conservative as it is), innovation and overcoming the obstacles of regulations and new law is its distinction. One particular noteworthy innovation is the term/universal life (UL) combo that is hitting the marketplace. These products were created primarily in response to the reserve … Read more
The Brokerage General Agency: Your Partner in Technology, Knowledge and Carrier Relationships in Selling Life Insurance
The Brokerage General Agency: Your Partner in Technology, Knowledge and Carrier Relationships in Selling Life Insurance In today’s world of cumbersome illustrations, difficult applications, confusing contracting and varied state regulations, the typical independent Life Producer may feel that their best practice is to avoid anything more complex than recommending the most basic coverage to only … Read more
Declined for Life Insurance…Now What?
After many grueling hours of researching life insurance companies and comparing quotes, you submit your application only to be told that you are not eligible for coverage. While you probably have an opinion about whether or not this decision was fair, the best thing you can do is to get a second quote. No two … Read more
Top 12 Myths about Life Insurance
There’s something about life insurance that just freaks some people out. For one thing, it forces them to confront the notion of dying. For another, it demands they think about tomorrow when they don’t know what to do about today. So instead, they stick their heads in the sand. It’s not surprising then, that according … Read more
Technically speaking, life insurance is behind the times
Robert W. “Bob” MacDonald, CLU, started selling life insurance in 1965 as an agent for New England Mutual Life. In 1999, his company, LifeUSA, merged with Allianz Life of North America, and MacDonald became the company’s CEO. Under his leadership, Allianz Life doubled in size. He retired in 2002 as CEO and as chairman in … Read more
The Origins of an Industry [Life Insurance]
Brian Anderson is Editor of Life Insurance Selling. Everybody knows the Roman Empire was a remarkably advanced society. They built aqueducts and roads; the Roman Legion was perhaps the most formidable military force in history; and the Romans made big advances in language and judicial law, just to name a few significant achievements. But while … Read more
To Guarantee or Not to Guarantee for Life
Permanent life insurance is designed to provide financial security for beneficiaries after an insured person passes on. As insurance carriers retain sufficient assets to pay death benefits while also making a profit, the products they offer have evolved as economic circumstances have changed. The challenge for the industry is to safeguard the future for the … Read more
DI: When to get it and when to lose it
he best time to get a disability insurance income protection policy (or any other form of coverage) is just prior to a disability! Seriously, even though that is not an inaccurate answer, the best time to get coverage is at the earliest possible moment when it is both financially feasible and practical, even though there … Read more
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DIAs Mix It Up with SPIAs in Income Annuity Market
About 5 percent of income annuities, listed on the database of CANNEX, are deferred income annuities (DIAs)—the new kids on the income annuity block. But they are get-ting known around the neighborhood. These products, which the industry increasingly refers to as DIAs, allow buyers to defer income for several years after purchase, says Gary Baker, … Read more
YOU’RE WIDE OPEN: Insurance Producers can Catch the Business Financial Advisors Miss
Are you still using the same phone or computer you had five years ago? Chances are, however, you’ve updated your electronics to ones that can do much more than they could a few years ago. While it might not be quite as dramatic, life insurance products have also advanced significantly and offer more flexibility and … Read more
The Annuity Center: Important Announcements from North American Company for Life and Health
http://myemail.constantcontact.com/Important-Announcements-from-North-American-Company-for-Life-and-Health-Insurance.html?soid=1108901228642&aid=mzbEgEpDzkY.
PROTECT THE PRODUCTION POWERHOUSE
Find the Key Man and Unlock a Suite of Business A SIMPLE DIFFERENCE between a corporate key person and an industrial machine is that the person has a soul. The physical body has the disadvantage of having virtually no salvage value for its working parts. And on top of that, it must periodically halt production … Read more
How Two Chairs And Your Client’s Marriage Vows Can Change Your Career Forever
LTC INSURANCE ROUND TABLE Our industry is full of hype, and with hype comes the problem of “noise.” You are a consumer. Your clients are consumers. Who do you believe? Is that really true? Is that fact or speculation? Fox News or MSNBC? You get the point…or do you? Your clients are bombarded each day … Read more
