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Monday, August 27, 2012

DI Newsletter from DAI for August 2012

DI Newsletter from DAI for August 2012
http://myemail.constantcontact.com/DI-Newsletter-from-DAI-for-August-2012.html?soid=1101728984258&aid=4ZyihQPSkKE. Filed under: Constant Contact, DAI, DAI Life Brokerage Services Tagged: DAI, DAI Life ...

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DAI News & Notes: Eclipse Survivor Pro Indexed...

DAI News & Notes: Eclipse Survivor Pro Indexed UL from Minnesota Life
http://myemail.constantcontact.com/DAI-News—Notes–Eclipse-Survivor-Pro-Indexed-UL-from-Minnesota-Life.html?soid=1101728984258&aid=dz3BZqXK45o. Filed under: Constant Contact, DAI, DAI Life Brokerage Services...

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The accumulation SLAT: Flexibility for changing...

The accumulation SLAT: Flexibility for changing times
An accumulation spousal limited access trust offers Gen Xers the tax advantages of an irrevocable trust along with the added benefit of more options. An irrevocable life insurance trust (ILIT) is a common...

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After the Final Buzzer: Why Athletes Need...

After the Final Buzzer: Why Athletes Need DI
Cleveland Indians' centerfielder Grady Sizemore has had more than one trip to the disabled list. (AP Photo/Jeff Glidden) "The highest-paid player on an NFL team is the quarterback. What you probably don't...

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Back to school time is a great opportunity...

Back to school time is a great opportunity to talk to parents about Children's Whole Life insurance
Kids are going back to school – now is a good time to talk to parents about guaranteeing their future insurability Coverage that increases as the need for life insurance increases. Life insurance protection...

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Long Term Care Financial Planning: Have You...

Long Term Care Financial Planning: Have You Had Your Check-up?
We all need check-ups. As a financial advisor, your meetings with clients are little different from their preventive visits with doctors. They have chosen you to help them navigate what can be rough seas...

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Agent’s Guide to Buy-Sell Agreement Review...

Agent's Guide to Buy-Sell Agreement Review
http://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/buy-sell_agreement_review.pdf?WT.mc_id=IMGE28PXT Provided by American National Filed under: DAI, DAI Life Brokerage Services...

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Top 5 Annuity Trends to Watch for in 2012...

Top 5 Annuity Trends to Watch for in 2012 and 2013
This is the first of a series of articles that will be published on the annuity space. Subsequent articles that will dive deeper into different trends discussed in this article will be released over the...

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Creative Strategies to Resolve Complex Estate...

Creative Strategies to Resolve Complex Estate Planning Needs
https://intramet.investmet.com/public/doclib/LifeMarketing/LMN/2012/081012/Public/TammieJackson.pdf July 2012 issue of Estate Planning Filed under: DAI, DAI Life Brokerage Services Tagged: DAI, DAI Life...

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LIMRA: Younger Consumers More Likely to Buy...

LIMRA: Younger Consumers More Likely to Buy Life Insurance from a Bank
Members of Generations X and Y are more receptive to buying life insurance from their bank than are members of the boomer and silent generations, according to a new report. LIMRA, Windsor, Conn., published...

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Tuesday, August 21, 2012

DAI’s LTCi Newsletter for August 2012

DAI News & Notes: Children’s Whole Life Insurance...

DAI News & Notes: Children's Whole Life Insurance from Mutual of Omaha
http://myemail.constantcontact.com/DAI-News—Notes–Children-s-Whole-Life-Insurance-from-Mutual-of-Omaha.html?soid=1101728984258&aid=WegQehVlHvA.
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Understanding the Gen Y Prospect

Understanding the Gen Y Prospect
For many life producers, the Generation Y market segment, comprising those born between 1978 and 1994, represents a singular paradox. This younger generation represents a massive business opportunity with...
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Annuity disclosures: Changes may be coming...

Annuity disclosures: Changes may be coming to a state near you
Industry Speaks Out Some revisions have been made to the minimum informational requirements and how illustrations are to be presented. The current version of the NAIC's Annuity Disclosure Model Regulation...
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Be Ready For Life Insurance Awareness Month...

Be Ready For Life Insurance Awareness Month
September is Life Insurance Awareness Month (LIAM) and now, more than ever, it's essential that consumers understand the role life insurance plays in their financial plans. The LIAM 2012 Theme is Life ...
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A Flexible Solution to Attract and Retain...

A Flexible Solution to Attract and Retain Key Employees
401(k) Look-Alike Plan with a S.O.L.A.R. Insurance Arrangement: A flexible solution to attract and reward key employees! In a classic 401(k) Look-Alike Plan, a traditional nonqualified deferred compensation...
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How to Get Started in Life Insurance

How to Get Started in Life Insurance
During our annual golf outing for the National Association of Insurance and Financial Advisors (NAIFA), I rode in the cart with a young, energetic man named Josh. He was in his early thirties and was highly...
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Whole Life Policies: Tapping Cash Value as...

Whole Life Policies: Tapping Cash Value as Alternative to Equity Investing
Whole life insurance policies have taken the spotlight as investors seek secure investment alternatives to today's rocky equity markets. Not only do these policies provide for tax-deferred growth, but ...
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Estate Planners: 5 New Taxes to Watch

Estate Planners: 5 New Taxes to Watch
Now that the health care law has been declared constitutional, the remaining provisions will be going into effect. This includes several significant provisions that become effective on Jan. 1. (Yes, there...
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The DAI Annuity Center: Avoid Suitability...

The DAI Annuity Center: Avoid Suitability Pitfalls!


http://conta.cc/TEtKhC via #constantcontact Filed under: Constant Contact, DAI, DAI Life Brokerage Services Tagged: Annuity, DAI, DAI Life Brokerage Services, Dworkin Associates, Dworkin Associates Inc...
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Insurance News – Clients Want More Lifetime...

Insurance News – Clients Want More Lifetime Income
Insurance News – Clients Want More Lifetime Income. Filed under: DAI, DAI Life Brokerage Services, Insurance News Net Magazine Tagged: DAI, DAI Life Brokerage Services, Dworkin Associates, Dworkin Associates...
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Whole Life:Over the Years and in Today’s ...

Whole Life:Over the Years and in Today's Marketplace
The most successful life insurance agents recognize that product changes over the years are a direct reflection of prevailing economic conditions and the way the public perceives them. In other words, ...
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Your Simple 3-Step Process to Selling Life...

Your Simple 3-Step Process to Selling Life Insurance
One of the biggest challenges most financial professionals face is helping clients (and prospects) truly understand life insurance. The harsh reality is that life insurance is a very complicated, misunderstood...
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Monday, August 13, 2012

Checklist for Life Insurance Beneficiary ...

Checklist for Life Insurance Beneficiary Designations

Checklist for Primary Beneficiaries  Is each specifically identified by name, date of birth, and Social Security /TIN Number?  Does the total of all percentage interests add up to 100%?  Is any beneficiary...
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DAI News & Notes: MetLife – A New Look on...

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DAI’s Annuity Spotlight for August 2012

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Life Sales Center – Your new online destination...

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Advanced Sales Materials for Unmarried Partners...

Advanced Sales Materials for Unmarried Partners

People form many different types of committed relationships; many of them do not involve a marriage contract. Because they aren't married, they can't take advantage of the many tax and retirement benefits...
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Sell More Life Insurance By Promoting DI ...

Sell More Life Insurance By Promoting DI And LTCI Planning

The financial consequences of a disability can be greater than those of a premature death. Why? Because a disabled person is still a consumer and, in many cases, medical and living expenses increase. If...
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Advanced Markets: The Importance of Wills...

Advanced Markets: The Importance of Wills in Financial Planning

You've heard the adage, "don't put off until tomorrow what you can do today." The meaning rings especially true when it comes to preparing a will. "It's human nature to put things off, especially planning...
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Underwriting Members of the U.S. Military

Underwriting Members of the U.S. Military

WE'RE PROUD TO SERVE OUR ARMED FORCES MetLife is proud to offer members of the United States military life insurance coverage. As a member of the United States military, you may be eligible for life insurance...
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A Smart Approach to Retirement for Small-...

A Smart Approach to Retirement for Small-Business Owners

Uncertainty in the tax code and the looming possibility of an increased tax burden continue to perplex small businesses. Among the chief concerns are a number of soon-to-expire tax provisions that may ...
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Adding Values to the Boomer Estate Plan

Adding Values to the Boomer Estate Plan

Baby boomers' outlook on the future economic health of our nation is gloomy — 62% are dissatisfied with the next generation's prospects to have a better life than they did.1 This statistic isn't shocking...
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Thursday, August 9, 2012

MediGuide from Legal & General America

DI Newsletter from DAI for July 2012

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Develop your Supplemental Retirement Income...

Develop your Supplemental Retirement Income Sales

Help Clients Meet Their Estate Planning Needs Click here to watch the video brought to you by North American Company The supplemental retirement income strategy uses permanent life insurance to provide...
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Why People Buy Annuities

Why People Buy Annuities

LIMRA annuity researcher says surveyshows clients are anxious about income and need a financial plan before buying. Selling life insurance might seem to be more art than science. Sure, successful sales...
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Where Are the New Independents?

Where Are the New Independents?

By Charles K. Hirsch, CLU for LifeHealthPro.com If you are one of the many independent producers who has built a successful career selling the products of a number of fine companies, no doubt you understand...
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A Combo Plan for Boomers

A Combo Plan for Boomers

Your baby boomer clients and prospects have a lot on their minds. They're concerned about having enough money to live on in retirement, rising medical and long-term care costs, and providing for the people...
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Asset repositioning in a time of low interest...

Asset repositioning in a time of low interest rates

With interest rates at historically low levels, certain types of fixed interest rate financial assets may prove to be inefficient conduits for the transfer of wealth to heirs. These fixed assets include...
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The DAI Annuity Center: IMPORTANT NOTICE ...

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Assessing the Strength of Insurers

Assessing the Strength of Insurers

Look beyond the surface of life policy guarantees to see how a carrier is backing them By Alan S. (Al) Lurty for Life and Health Advisor Online. Mr. Lurty is Senior Vice President and Head of Business ...
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A New Norm

A New Norm
Changing priorities and lifestyles have young people believing they don't need life insurance. It's a dangerous mindset, and it's your job to fix it. As the CEO of the LIFE Foundation, I recently participated...
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Insurance For All Walks of Life

Insurance For All Walks of Life
With the United States becoming increasingly diverse, advisors must remain dedicated to finding the best possible products for each individual. The U.S. Census Bureau estimates minorities, now roughly ...
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