Commentary: Insurance, annuities help guard nest eggs Four insurance strategies can help clients protect retirement savings, writes Kurt Fasen of ING. They include building cash value with an individual life insurance policy, using annuities for retirement income and covering medical expenses with voluntary benefits such as disability and critical-illness insurance,…
Financial plans have to adapt to life’s twists and turns Adviser Don Martin describes how he helped a client modify his plans to fit new life goals after a cancer diagnosis. The Wall Street Journal (tiered subscription model) (11/12)
Life insurance with LTC benefits grows more attractive, group says Insurers are developing more affordable products amid the popularity of “hybrid” life insurance policies, according to the American Association for Long-Term Care Insurance. “We expect sales of combination long-term-care products to grow over the next five years as more life…
Experts: Universal life holders could pay more or see benefits cut Universal life policies written in the 1980s and 1990s may lapse because of low interest rates, and clients who want to continue coverage are likely to face an increase in premiums or a decrease in death benefits, according to…
Listen to NAIFA 2014 Career Conference and Annual Meeting workshops online NAIFA 2013 Conference attendees receive a free one-year subscription to the NAIFA Online Conference Recordings Library, but, even if you didn’t attend NAIFA 2013, you can subscribe to the streaming video of main stage presentations and audio of educational…
Annuities, insurance let advisers help aging baby boomers A huge aging population and the availability of flexible new products to meet their needs mean that this is the “greatest time ever” to be a financial adviser, writes agent Van Mueller. “We can use leverage to provide, with the same dollar,…
Assets hit record $5.8 trillion for life insurers in 2012, report says The newest American Council of Life Insurers Fact Book says the industry’s assets reached a record-high $5.8 trillion in 2012, up from $5.4 trillion the previous year. “Insurers continue to be prepared to make good on the promises…
Advisers discuss their successful prospecting strategies Advisers have many strategies that they say have brought them success in finding clients. Among the approaches cited by advisers: extensively using social media and holding events that allow in-person communication. Research magazine (11/2013)
Commentary: Business may dry up without young advisers and agents Some forward-thinking companies are working hard to attract young advisers and agents, but many others are putting their business in peril by failing to take steps to bring in new talent, writes David Port. “The reality in financial and insurance…
The November Power Session LIVE — Friday, Nov. 8 — “Tax, LTC and Legacy Planning Strategies” Taxes and their inevitable increase is of common concern to many Americans. Utilization of effective planning tools will reduce this apprehension for clients. November’s Power Session LIVE features Jason Smith, coach, speaker, entrepreneur and…
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