Industry Survey 2012: One Size Does Fit All

By Maria Wood and David Vogin From the December 2012 issue of Senior Market Advisor • Maria Wood, LifeHealthPro.com’s Annuities Channel Editor, has been a journalista and writer for over 20 years. Whether marketing to men or women, seniors or boomers, the industry must tailor its solutions to each individual. The torch is being passed As they have … Continue reading

Who buys LTCI?

LTCI Insider Who should I be targeting for long-term care insurance? What are the surveys and studies showing about who is buying this protection and why? America’s Health Insurance Plans (AHIP) periodically releases a study of the industry. Susan Coronal, executive director, LTC, shared the trade group’s most recent findings from “Who Buys Long-Term Care … Continue reading

MVAs: Most Valuable Annuity?

Annuity Insider What on earth is an MVA? According to Barron’s Insurance Dictionary, a Market Value Adjustment is “an increase or decrease in the surrender charge of the life insurance policy or annuity contract depending on the current financial markets.” Well, kinda. An MVA is actually separate from the surrender charge. In essence, an MVA … Continue reading

Tech Support

Afraid to jump on the technology bandwagon? Don’t be. Financial planner Bill Winterberg says he can understand why many of his peers treat new technology as warily as they would an investment recommendation from someone with no track record. “I think many advisors want to see a proven return on investment, and they want to … Continue reading

RMDs: A clear and present danger to a retirement plan

RMDs are dangerous to seniors’ financial health. The solution? A lifetime income annuity. Although they might claim that they are here to help boomers and seniors retire, are you sure that the government’s “retirement plan” is the best option for your clients? At age 70-and-a-half, all seniors have to take RMDs (Required Minimum Distributions) from … Continue reading