THE GOLDEN AGE OF LONG-TERM CARE

THE GOLDEN AGE OF LONG-TERM CARE For those of you who haven't seen Woody Allen's miraculous "Midnight in Paris", I'm about to spoil the takeaway: each era waxes nostalgiac about the age before. Finding ourselves jaded and cynical today... View or comment on DAI Dworkin's post » 8 Great Suspense Movies That Revolve Around... 8 Great Suspense Movies That Revolve Around Life Insurance (Seriously) July 25, 2012 by Staff Writer at Lifeinsurance.org You probably consider life insurance, or any kind of insurance for that matter, a pretty dull topic and certainly not one worthy of a great suspense film... View or comment on DAI Dworkin's post » Insurance News – Life Insurance: The Next... Insurance News – Life Insurance: The Next Perfect Storm Insurance News – Life Insurance: The Next Perfect Storm. Filed under: DAI, DAI Life Brokerage Services, Insurance News Net Magazine View or comment on DAI Dworkin's post » THe DAI Annuity Center – Best of Guaranteed... THe DAI Annuity Center – Best of Guaranteed Years – July http://myemail.constantcontact.com/Best-of-Guaranteed-Years—July.html?soid=1108901228642&aid=8rg33mnPqOE. Filed under: Annuity, DAI, DAI Life Brokerage Services Tagged: Annuity, DAI, DAI Life Brokerage... View or comment on DAI Dworkin's post » Facing Up to an Aging Producer Workforce Facing Up to an Aging Producer Workforce In this first installment of a six-part series running through the rest of 2012, we examine the issues surrounding what is perhaps the biggest problem threatening the long-term viability of the independent... View or comment on DAI Dworkin's post » The New TransACE® Long Term Care Rider: A... The New TransACE® Long Term Care Rider: A Smart Combination TransACE with the new Long Term Care (LTC) Rider is the smart solution for clients looking for guarantees, flexibility and control in these uncertain economic times. Two levels of protection: Clients can... View or comment on DAI Dworkin's post » Business Planning: Key Employee Life Insurance... Business Planning: Key Employee Life Insurance Key employee life insurance is designed to indemnify your business for the death of an employee who is vital to your continued business success. How it Works 1. The business pays premiums on a life insurance... View or comment on DAI Dworkin's post » Ethnic Marketing–How Cultural Differences... Ethnic Marketing–How Cultural Differences Affect Retirement Planning and Saving Ethnic Marketing–How Cultural Differences Affect Retirement Planning and Saving by Fabian Gonzalez California's financial professionals know, perhaps better than anyone, that the emerging opportunity to... View or comment on DAI Dworkin's post » DAI News & Notes: Selling Term Riders from... DAI News & Notes: Selling Term Riders from LGAmerica http://myemail.constantcontact.com/DAI-News—Notes–Selling-Term-Riders-from-LGAmerica.html?soid=1101728984258&aid=QkvA41QXUhE. Filed under: DAI, DAI Life Brokerage Services Tagged: DAI, DAI Life Brokerage... View or comment on DAI Dworkin's post » DI Newsletter from DAI for July 2012 DI Newsletter from DAI for July 2012 http://myemail.constantcontact.com/DI-Newsletter-from-DAI-for-July-2012.html?soid=1101728984258&aid=_mIL2iPwVmQ. View or comment on DAI Dworkin's post » Monday, July 23, 2012 Whole Life Insurance: The Financial Foundation... Whole Life Insurance: The Financial Foundation Asian Americans Are Seeking? Asian Americans tend to be wealthy savers focused on leaving a legacy for their families. Here's how you can tap this ideal market for life insurance. Completion of the 2010 census set off much dis.... View or comment on DAI Dworkin's post » Risky Driving History Forecasts a Shorter... Risky Driving History Forecasts a Shorter Lifespan Business Wire, Inc. ATLANTA–(BUSINESS WIRE)– The same motor vehicle driving records already widely used to help determine how much a consumer pays for car insurance can also be used to predict the potential... View or comment on DAI Dworkin's post » Transferring Ownership Of Life Insurance Transferring Ownership Of Life Insurance What is the value of a life insurance policy when it is transferred from one policyowner to another policyowner? Are there guidelines we can rely on to determine the value for income tax purposes, gift... View or comment on DAI Dworkin's post » Treasure Hunt Treasure Hunt This Amazing Opportunity Is Spiritually Correct and Highly Profitable For many years the soothsayers in our industry have predicted this coming decade to be the most lucrative in all history for life insurance... View or comment on DAI Dworkin's post » Thursday, July 19, 2012 Inflation Sedation Inflation Sedation The price of just about everything seems to keep creeping up — and it’s hurting your clients’ investments. Fixed or fixed indexed annuities might be able to help. Remember when a can of soda cost a nickel? And candy bars were just a dime? Those days are long gone, as inflation over time has raised … Read more Visit our Google+ Page » Multiple Cultures, Multiple Financial Needs Multiple Cultures, Multiple Financial Needs A new study highlights the areas where various cultures differ in their financial preparedness. While many factors in the financial landscape may be in flux from day to day, one long-term trend is certain: America’s multicultural population is growing rapidly, presenting life insurance producers with an historic business opportunity. According to the U.S. Census Bureau, … Read more Visit our Google+ Page » 2012 Long Term Care Insurance Survey: Highlights from This Year’s Survey 2012 Long Term Care Insurance Survey: Highlights from This Year’s Survey The 2012 Long Term Care Insurance Survey is the 14th consecutive annual review of long term care insurance (LTCI) published by BROKER WORLD magazine. The survey compares products, reports sales distributions and analyzes the changing marketplace. Unless otherwise indicated, references are solely to the U.S. stand-alone LTCI market and exclude the exercise of future purchase … Read more Visit our Google+ Page » 2012 Long Term Care Insurance Survey 2012 Long Term Care Insurance Survey SEE ALSO: 2012 Long Term Care Insurance Survey: Hightlights of the Survey Product Details This section describes, row-by-row, the information displayed in the exhibit. Because many features cannot be fully described in limited space, please seek more information from insurers, as appropriate. This year, we’ve added information about Independent Review of Claims (row 73) and … Read more Visit our Google+ Page » Indexed Products: For the Best and Worst of Times Indexed Products: For the Best and Worst of Times Indexed products can help your clients take advantage of bull markets, ride out the bears and, perhaps most importantly, avoid the fear-based investing decisions that hurt them in the long run. When you think about all the different obstacles consumers must face today on their way to a fruitful retirement, it boggles the mind. First, … Read more Visit our Google+ Page » The 16th Annual Life Insurance Selling Indexed Annuities Survey The 16th Annual Life Insurance Selling Indexed Annuities Survey 2012_Indexed_Anuities_Survey.pdf As total annuity sales dipped 8% in the first quarter of 2012, indexed annuities remained a bright spot, with fixed indexed annuity sales rising 14%, year over year, according to LIMRA. In the first quarter alone, fixed indexed annuity sales totaled $8.1 billion. All that consumer demand has led to numerous options when it … Read more Visit our Google+ Page » The Black Box Changing Life Underwriting The Black Box Changing Life Underwriting ANAHEIM, Calif. – “Predictive modeling” is coming to life underwriting, and while it may help reduce underwriting costs, the approach may be confusing to clients or even a touch scary, says a long time underwriter. Advisors will therefore need to be ready to educate on this. Predictive modeling refers to systematic analysis of data, including … Read more Visit our Google+ Page » Hit the Gas Hit the Gas Are contingent deferred annuities getting in gear or just spinning their wheels? The recent debate among state insurance commissioners as to the regulatory status of contingent deferred annuities has focused advisors’ attention on new solutions that, if demand takes off, could significantly boost the market for insurance products in the retirement income planning space. Such … Read more Visit our Google+ Page » Caveats to Weigh When Evaluating the CDA Caveats to Weigh When Evaluating the CDA The feature on contingent deferred annuities portrays a generally positive future for these newfangled insurance products, one that could yield a significant revenue stream for fee-based investment advisors. Financial professionals would be wise, however, to consider some caveats before investing much time and resources in this nascent market. Let’s start with a big one. The … Read more Visit our Google+ Page » Discounted Private Split-Dollar: Does the Risk Outweigh the Reward? New Client Materials Discuss Cash Value Life Insurance as an Asset The split-dollar hybrid could be a great way to get around taxes — or get into trouble with the IRS. Once a great idea reaches the tipping point, there are two possible outcomes with potentially negative effects. First, profits decrease significantly as competition drives down the exclusivity premium paid by early adopters. Second, the strategy … Read more Visit our Google+ Page » New Client Materials Discuss Cash Value Life Insurance as an Asset New Client Materials Discuss Cash Value Life Insurance as an Asset Traditionally, life insurance is often viewed by clients as a necessary expense to protect their family in case of the unexpected. But there‘s more to consider. Cash value life insurance can provide the added benefit of cash value accumulation in addition to providing the financial resource needed in the event of an untimely death, making … Read more Visit our Google+ Page » Paying Life Insurance Premiums with Company Cash Flow: The Tax Effect Paying Life Insurance Premiums with Company Cash Flow: The Tax Effect Successful C Corp, S Corp, and LLC business owners often want to use the cash flow from their business to pay life insurance premiums. These premiums may be for either employer-owned polices or for personally owned policies, depending on the specific insurance protection needed. Tracking the income tax effect of that business cash flow is … Read more Visit our Google+ Page » If Only More Had LTCI… If Only More Had LTCI… A Care Provider Gives a View from the Trenches Jim Reynolds’ message for the companies writing and the producers selling long-term care insurance (LTCI) is simple: You’re doing a good job; keep at it. Reynolds is chief executive of Caring Companion Home Care L.L.C., Concord, Mass., and a member of a family that has been … Read more Visit our Google+ Page » Out of Balance: Women Need Advisors-and Life Insurance Out of Balance: Women Need Advisors-and Life Insurance Women Need Advisors-and Life Insurance-to offset the earning and longevity imbalance. It’s no surprise that women plan an important role in our economy. During the past few decades, women have made significant strides in the workplace while also serving as the key financial decision-makers at home. Women hold 51 percent of all management and professional … Read more Visit our Google+ Page » Addressing The Insurance Needs of Women Addressing The Insurance Needs of Women Caretakers, decision-makers—research has shown that women make most of the decisions in the home, including those that impact the family budget. When it comes to life insurance, LIMRA’s “Women and Life Insurance” study found that women see it as a sensible precaution, yet many have not taken the next step and made certain that they … Read more Visit our Google+ Page » Focus on the Legacy, Not the Tax Bill Focus on the Legacy, Not the Tax Bill As the current estate tax sunsets and uncertainty approaches, reframe your discussions with clients to focus on legacy planning rather than estate tax solutions. Concern over the stuttering economy, uncertainty surrounding the upcoming election and the ambiguity of future estate tax legislation have left many high net-worth Americans stunned and leery about planning for estate … Read more Visit our Google+ Page » INSURANCE REGULATORS TO HOLD HEARING ON LENDER-PLACED INSURANCE INSURANCE REGULATORS TO HOLD HEARING ON LENDER-PLACED INSURANCE INSURANCE REGULATORS TO HOLD HEARING ON LENDER-PLACED INSURANCE WASHINGTON, D.C. — The National Association of Insurance Commissioners (NAIC) will hold a public hearing Thursday, Aug. 9, 2012, to further discuss the use of lender-­placed insurance and the effect of the practice on consumers. The hearing at the NAIC Summer National Meeting in Atlanta will be … Read more Visit our Google+ Page » The Case For Special Needs The Case For Special Needs Planning for the disabled can be a tricky—yet rewarding—practice area for advisors. There are more Americans with disabilities than you’d probably think. One commonly quoted number says one in six American families is touched by a disability, which can range from disorders such as autism to a physical disability to Alzheimer’s disease. And by some … Read more Visit our Google+ Page » Cyberspace Survival Guide Cyberspace Survival Guide 5 Steps you (and your BGA) can take to protect your mission critical data. In today’s 24/7 world, advances in technology have enabled companies to be accessible to their clients anytime, anywhere, and cutting-edge BGAs of all sizes are effectively implementing the latest software, tablets, smart phones, computers and communications tools to streamline their operations … Read more Visit our Google+ Page » DAI News & Notes: Protective Life Re-Introduces Survivor UL DAI News & Notes: Protective Life Re-Introduces Survivor UL http://myemail.constantcontact.com/DAI-News—Notes–Protective-Life-Re-Introduces-Survivor-UL.html?soid=1101728984258&aid=uWvcx57C0-s. Filed under: DAI, DAI Life Brokerage Services Tagged: DAI, DAI Life Brokerage Services, Dworkin Associates, Dworkin Associates Inc, Insurance, Life Insurance, newsletter Visit our Google+ Page » DAI News & Notes: ING Universal LIfe Guaranteed Death Benefit DAI News & Notes: ING Universal LIfe Guaranteed Death Benefit http://myemail.constantcontact.com/DAI-News—Notes–ING-Universal-LIfe-Guaranteed-Death-Benefit.html?soid=1101728984258&aid=5ghD1K35yD4. Filed under: DAI, DAI Life Brokerage Services Tagged: DAI, DAI Life Brokerage Services, Dworkin Associates, Dworkin Associates Inc, Insurance, Life Insurance, newsletter Visit our Google+ Page » DAI’s Annuity Spotlight for July 2012 DAI’s Annuity Spotlight for July 2012 http://myemail.constantcontact.com/DAI-s-Annuity-Spotlight-for-July-2012.html?soid=1101728984258&aid=_XAo3fk2s2A. Filed under: DAI, DAI Life Brokerage Services Tagged: Annuity, DAI, DAI Life Brokerage Services, Dworkin Associates, Dworkin Associates Inc, Insurance, Life Insurance, newsletter Visit our Google+ Page » DAI News & Notes: Assurity Premier UL Solution DAI News & Notes: Assurity Premier UL Solution http://myemail.constantcontact.com/DAI-News—Notes–Assurity-Premier-UL-Solution.html?soid=1101728984258&aid=Azh764eejGo. Filed under: DAI, DAI Life Brokerage Services Tagged: DAI, DAI Life Brokerage Services, Dworkin Associates, Dworkin Associates Inc, Insurance, Life Insurance, newsletter Visit our Google+ Page » DAI’s LTCi Newsletter for July 2012 DAI’s LTCi Newsletter for July 2012 http://myemail.constantcontact.com/DAI-s-LTCi-Newsletter-for-July-2012.html?soid=1101728984258&aid=IwhuFf3GEJI. Filed under: DAI, DAI Life Brokerage Services Tagged: DAI, DAI Life Brokerage Services, Dworkin Associates, Dworkin Associates Inc, Insurance, Life Insurance, Long Term Care Insurance, LTCi, newsletter Visit our Google+ Page » Using Life Insurance To Finance The Sale Of A Business To Key Employees Using Life Insurance To Finance The Sale Of A Business To Key Employees After months of consultation with a business owner, the business succession plan is in place. The business will be sold to the key employees when the owner retires in five to 10 years. This is a fairly common result these days when there is no readily available buyer for a business or a business owner’s … Read more Visit our Google+ Page » Monday, July 2, 2012 DAI News & Notes: MetLife’s NEW Provider UL DAI News & Notes: MetLife’s NEW Provider UL http://myemail.constantcontact.com/DAI-News—Notes–MetLife-s-NEW-Provider-UL-.html?soid=1101728984258&aid=GDDkEowpUQM. Visit our Google+ Page » Asset Based Long Term Care Insurance Attracting Younger Buyers Asset Based Long Term Care Insurance Attracting Younger Buyers More than half of male buyers are under 65 Los Angeles, CA – The sale of asset-based long-term care insurance protection continued to grow significantly according to research by the American Association for Long-Term Care Insurance the national trade organization. According to data gathered from leading insurers, premium increased nearly 20 percent and the number … Read more Visit our Google+ Page » On Becoming Unconventional On Becoming Unconventional The unlikely scene played out, advisor marketing guru Maribeth Kuzmeski recalls with wry amusement, during morning rush hour at a busy Chicago-area commuter train station one day in 2008, as the economy—and people’s investment accounts—were bottoming out. Seeking a creative way to leverage the financial meltdown in his prospecting efforts, one of Kuzmeski’s advisor clients … Read more Visit our Google+ Page » Bringing Superior Planning to the Fairer Sex Bringing Superior Planning to the Fairer Sex Many women face a more challenging task preparing for retirement and other planning needs because of the disadvantages they face relative to men. Here’s how to help. Nearly every day, it seems, a new study is broadcast over the wire services proclaiming Americans’ lack of financial preparedness and the opportunities for advisors to serve them. … Read more Visit our Google+ Page » The Benefits of a Multi-tasker The Benefits of a Multi-tasker Today’s pre- and post-retirees are a savvy bunch. They’ve lived through the upheaval of the ‘60s, the height of the Cold War, multiple economic recessions, ups, downs and all-arounds. Most of them raised children, put them through college and now have the greatest reward of all: grandchildren. It should come as no surprise, then, that … Read more Visit our Google+ Page » The DAI Annuity Center: ING – Insurance For Your Insurance The DAI Annuity Center: ING – Insurance For Your Insurance http://myemail.constantcontact.com/ING–Insurance-For-Your-Insurance.html?soid=1108901228642&aid=pzCjViNN9Y4. Filed under: Annuity, Constant Contact, DAI, DAI Life Brokerage Services Tagged: Annuity, Constant Contact, DAI, DAI Life Brokerage Services, Dworkin Associates, Dworkin Associates Inc, Insurance, Life Insurance, newsletter Visit our Google+ Page » Whole Life, Trusts: A One-Two Punch For Special Needs Cases Whole Life, Trusts: A One-Two Punch For Special Needs Cases SEE ALSO the most recent article: Insuring the Parents of Children with Special Needs As long as parents are alive they can take care of their children with disabilities. But what happens when parents can no longer care for their children? Who will step in to take their place? What happens if siblings or other … Read more Visit our Google+ Page » Podcast Series: Building a More Successful Practice Podcast Series: Building a More Successful Practice By Andy Moyer for NAIFA Advisor Today The following are audio articles, or podcasts, that you can listen to at your convenience—on your computer, your MP3 player or burn it to a CD. If you’ve never subscribed to a podcast, or downloaded an audio file, see the instructions on how to start. Be sure to … Read more Visit our Google+ Page » Subscribe to: Posts (Atom) Home Office Home Office About Me Unknown View my complete profile Blog Archive ▼  2012 (418) ►  December (47) ►  November (51) ►  October (56) ►  September (48) ►  August (46) ▼  July (47) THE GOLDEN AGE OF LONG-TERM CARE 8 Great Suspense Movies That Revolve Around... Insurance News – Life Insurance: The Next... THe DAI Annuity Center – Best of Guaranteed... Facing Up to an Aging Producer Workforce The New TransACE® Long Term Care Rider: A... Business Planning: Key Employee Life Insurance... Ethnic Marketing–How Cultural Differences... DAI News & Notes: Selling Term Riders from... DI Newsletter from DAI for July 2012 Whole Life Insurance: The Financial Foundation... Risky Driving History Forecasts a Shorter... Transferring Ownership Of Life Insurance Treasure Hunt Inflation Sedation Multiple Cultures, Multiple Financial Needs 2012 Long Term Care Insurance Survey: Highlights f... 2012 Long Term Care Insurance Survey Indexed Products: For the Best and Worst of Times The 16th Annual Life Insurance Selling Indexed Ann... The Black Box Changing Life Underwriting Hit the Gas Caveats to Weigh When Evaluating the CDA Discounted Private Split-Dollar: Does the Risk Out... New Client Materials Discuss Cash Value Life Insur... Paying Life Insurance Premiums with Company Cash F... If Only More Had LTCI… Out of Balance: Women Need Advisors-and Life Insur... Addressing The Insurance Needs of Women Focus on the Legacy, Not the Tax Bill INSURANCE REGULATORS TO HOLD HEARING ON LENDER-PLA... The Case For Special Needs Cyberspace Survival Guide DAI News & Notes: Protective Life Re-Introduces Su... DAI News & Notes: ING Universal LIfe Guaranteed De... DAI’s Annuity Spotlight for July 2012 DAI News & Notes: Assurity Premier UL Solution DAI’s LTCi Newsletter for July 2012 Using Life Insurance To Finance The Sale Of A Busi... DAI News & Notes: MetLife’s NEW Provider UL Asset Based Long Term Care Insurance Attracting Yo... On Becoming Unconventional Bringing Superior Planning to the Fairer Sex The Benefits of a Multi-tasker The DAI Annuity Center: ING – Insurance For Your I... Whole Life, Trusts: A One-Two Punch For Special Ne... Podcast Series: Building a More Successful Practice ►  June (40) ►  May (45) ►  April (38) Simple theme. Powered by Blogger.