Income Protection: The Best Kept Secret to Sales Success

By Candence S. Bidler Hurley, FLMI for November 2012 issue of Life & Health Advisor. Ms. Bidler Hurley is National Vice President of Individual Disability Insurance Sales – Principal Financial Group®. I’ve often thought that the greatest competition in the individual disability insurance business isn’t other carriers; it’s all the other products and solutions in … Continue reading

Baby Boom retirees rely more than ever on personal savings to sustain retirement income

The New Savings Paradigm By Christopher J. Cummings and Shawn E. Sanderson for November 2012 issue of Life & Health Advisor Mr. Sanderson is an Investment Consultant with Manning & Napier. His primary responsibilities include contributing to the firm’s Life Cycle consulting efforts. Mr. Cummings, CFP, CFA is the Managing Director of the Client Analytics … Continue reading

Managing escalating LTCi premiums

As the product itself matures, industry looks to redefine its approach Anyone who has taken an introduction to marketing course in high school or a marketing class in college has been introduced to the concept of the “Marketing Mix” illustrated by “The 4 Ps:” Price Product Promotion [communication] Place [distribution] The concept is dated but … Continue reading

The Role of Life Insurance in Non-Traditional Planning

Advising for diversity Today, there are many forms of non-traditional family arrangements where individuals have chosen to live together and combine their assets. Like their traditional counterparts, unmarried couples of the opposite sex and same-sex couples want to preserve wealth during their lifetime, pass on assets to their partners and build a secure future for … Continue reading

Boom or Doom: Fixed annuities in today’s economic climate

Planning Strategies for retirement & longevity by Mike Janky, CLU, ChFC, CFS, RHU, CAS, CASL, IAR Mr. Janky is a principal with Forward Strategies, a Tucson based annuity marketing company. With interest rates hovering at all-time lows, why would anyone in their right mind put money into a fixed annuity? Let’s take a look at … Continue reading