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Monday, November 26, 2012

DAI News & Notes: Spousal Lifetime Access...

DAI News & Notes: Spousal Lifetime Access Trust
http://myemail.constantcontact.com/DAI-News—Notes–Spousal-Lifetime-Access-Trust.html?soid=1101728984258&aid=eGCYCec6yYA. Filed under: Constant Contact, DAI, DAI Life Brokerage Services Tagged: DAI, DAI...

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DAI’s LTCi Newsletter for November 2012

DAI's LTCi Newsletter for November 2012
http://myemail.constantcontact.com/DAI-s-LTCi-Newsletter-for-November-2012.html?soid=1101728984258&aid=AwIR3FmcbTU. Filed under: Constant Contact, DAI, DAI Life Brokerage Services Tagged: DAI, DAI Life...

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A not-so-hidden source of life insurance ...

A not-so-hidden source of life insurance premiums (presentation)
One of the most difficult steps in the life insurance sale is finding the funding for the client's policy premiums. But what if there was a way that clients could provide financial assistance for loved...

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Are RMDs the WMDs of a retirement plan?

Are RMDs the WMDs of a retirement plan?
By Tom Hegna for LifeHealthPro.com. Tom Hegna, CLU, ChFC, CASL, is a retirement expert, author and speaker, and former first vice president of New York Life Although they might claim that they are here...

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Genworth redefines healthy: pre-existing ...

Genworth redefines healthy: pre-existing conditions not always barrier to life insurance
Too many Americans have taken themselves out of the market for life insurance as a result of outdated assumptions about pre-existing conditions and insurability. That is one of the conclusions drawn by...

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Executive benefits: Beyond COLI and split...

Executive benefits: Beyond COLI and split dollar
Today's employers can better reward, and retain, key employees with benefits that are immediate and personal. In my practice in Silicon Valley, we focus primarily on working with high-end, closely held...

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Not your Grandpa’s long-term care

Not your Grandpa's long-term care
LTCI ain't what it used to be — and that's a good thing, says Jesse Slome, executive director of the American Association for Long-Term Care Insurance. Advertisers used to trot out claims of "new and improved...

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Combatting consumer apathy

Combatting consumer apathy
Americans have no shortage of reasons why they don't buy — or don't buy enough — life insurance. The industry's challenge is finding a way to turn life insurance from a "nice-to-have" into a "need-to-have...

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The DAI Annuity Center: Looking for a shorter...

The DAI Annuity Center: Looking for a shorter term annuity for your clients? We got you covered!
http://myemail.constantcontact.com/Looking-for-a-shorter-term-annuity-for-your-clients—We-got-you-covered-.html?soid=1108901228642&aid=3EYV6kipb3Y. Filed under: Constant Contact, DAI, DAI Life Brokerage...

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All riders are not created equal

All riders are not created equal
With long-term care and chronic illness riders, the devil is in the details. Know the differences before you recommend options to your clients. As aging baby boomers expand the elder population, long-term...

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6 tax opportunities to take advantage of ...

6 tax opportunities to take advantage of now
6 tax opportunities to take advantage of now | LifeHealthPro. Filed under: DAI, DAI Life Brokerage Services, LifeHealthPro Tagged: DAI, DAI Life Brokerage Services, Dworkin Associates, Dworkin Associates...

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DAI News & Notes: Minnesota Life Introduces...

DAI News & Notes: Minnesota Life Introduces Two New Whole Life Products
http://myemail.constantcontact.com/DAI-News—Notes–Minnesota-Life-Introduces-Two-New-Whole-Life-Products.html?soid=1101728984258&aid=p-4FVKN_LEg.

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DI Newsletter from DAI for November 2012

DI Newsletter from DAI for November 2012
http://myemail.constantcontact.com/DI-Newsletter-from-DAI-for-November-2012.html?soid=1101728984258&aid=Nup00C81HeM.

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Monday, November 19, 2012

Genworth Redefines 'Healthy': Pre-existing...

Genworth Redefines 'Healthy': Pre-existing Conditions Not Necessarily an Impediment to Preferred Rates on Life Insurance
Annual LifeJacket Study Suggests That Doubts over Insurability Remain a Barrier for Consumers with Certain Health Conditions

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Trends In Longevity And Carrier Underwriting...

Trends In Longevity And Carrier Underwriting Standards
Human beings, like all mammals, are bound by biological limitations imposed by nature. For example, every mammal, no matter what size, is issued in nature about 1.5 billion heartbeats. This same rule also...

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DAI’s Annuity Spotlight for November 2012

DAI's Annuity Spotlight for November 2012
http://myemail.constantcontact.com/DAI-s-Annuity-Spotlight-for-November-2012.html?soid=1101728984258&aid=sf8BW7qvAM8. Filed under: Constant Contact, DAI, DAI Life Brokerage Services Tagged: Annuity, Constant...

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How I’ve Changed My LTC Insurance Practice...

How I've Changed My LTC Insurance Practice
What are changes that some of the most successful LTC insurance agents have made to put them on more solid footing than their competitors? As you know, the LTC insurance business has been, well, to put...

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The DAI Annuity Center: Annuity Rate Increase...

The DAI Annuity Center: Annuity Rate Increase? – It's True!
http://myemail.constantcontact.com/Annuity-Rate-Increase—-It-s-True-.html?soid=1108901228642&aid=_ieyuZ7sz0E. Filed under: Constant Contact, DAI, DAI Life Brokerage Services Tagged: Annuity, Constant Contact...

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8 term life sales ideas for Gen X & Y prospects...

8 term life sales ideas for Gen X & Y prospects
These concepts can help producers open the door to more advanced client solutions down the road while securing badly needed coverage now for many of today's under-50 consumers. As any agent or advisor ...

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Insurance for Critical Times

Insurance for Critical Times
By Patrick J Kenney for Agent eNews. Patrick J. Kenney, CLU, ChFC, is Vice President and Regional Sales Manager for the Individual Sales Division of Assurity Life Insurance Company in Lincoln, Nebraska...

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An unexpected journey

An unexpected journey
Why LTCI makes sense and how to make it work Long-term care insurance has been a difficult product to sell for some time, and recent events have called its marketability further into question. With several...

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DAI News & Notes: It’s that Time of Year ...

DAI News & Notes: It's that Time of Year Again: Term Conversions.
http://myemail.constantcontact.com/DAI-News—Notes–It-s-that-Time-of-Year-Again–Term-Conversions-.html?soid=1101728984258&aid=9-ngAvbcRjw. Filed under: Constant Contact, DAI, DAI Life Brokerage Services...

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Issues Impacting Life Insurance Sales

Issues Impacting Life Insurance Sales
Potential buyers of life insurance must make many decisions when selecting policies appropriate for them. Currently complicated outside factors are influencing their thinking and may be affecting purchases...

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9 retirement planning mistakes your clients...

9 retirement planning mistakes your clients might be making
Retirement is a complex adjustment, with multiple moving parts. Without careful advance planning, critical elements can fall through the cracks and cause significant financial loss. Here are nine things...

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Doing Good While Doing Well

Doing Good While Doing Well
It has been said for years that insurance agents "do good while doing well." Brokers earn their living providing advice and products that protect their clients and loved ones from financial disaster—they...

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DAI’s LTCi Newsletter for November 2012

DAI's LTCi Newsletter for November 2012
http://myemail.constantcontact.com/DAI-s-LTCi-Newsletter-for-November-2012.html?soid=1101728984258&aid=AwIR3FmcbTU.

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DAI News & Notes: Spousal Lifetime Access...

DAI News & Notes: Spousal Lifetime Access Trust
http://myemail.constantcontact.com/DAI-News—Notes–Spousal-Lifetime-Access-Trust.html?soid=1101728984258&aid=eGCYCec6yYA.

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Tuesday, November 13, 2012

Go, Go, Gadget: Top Emerging Technology Tools...

Go, Go, Gadget: Top Emerging Technology Tools for Insurers - - 1
The executives selected as Elite 8 2012 honorees have reached the heights of their profession by being savvy observers of the digital landscape and prudent marshals of technology. Here are some of the...

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LTCI: Stability in sight?






LTCI: Stability in sight?
The Essential Guide The combination of aging baby boomers and spiraling long-term care costs has created an environment that should be ideal for LTCI sales, but that's not happening. Sales of individual...

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LTCI: Adrift in the LTC Sea





LTCI: Adrift in the LTC Sea
The Essential Guide Imagine being on a boat headed straight at a jetty. You're shouting to the captain and crew to change course but they're shouting at each other. Everyone can see the crash coming but...

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The Future of Independent Life Insurance ...





The Future of Independent Life Insurance Distribution
by C. Bayne Northern, MSM, CLU®, ChFC® for the Winter 2012 issue of The Wealth Channel Magazine How historical trends, future threats and opportunities are shaping the life insurance industry. This research...

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LTCI: Finding success in the LTCI market




LTCI: Finding success in the LTCI market
The Essential Guide Despite the volatility in the long-term care insurance (LTCI) market, Meredith Pensack, CLTC, has continued to thrive. As owner of Long Term Care Insurance Planning in Newton, Mass...

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Underwriting Requirements And Reality

Underwriting Requirements And Reality
There have been more changes in life underwriting requirements in the last five years than in the three decades prior. The drivers of this pace of change are these mandates from senior management: (1) ...

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LTCI: Top 6 Medicare myths

LTCI: Top 6 Medicare myths
The Essential Guide Health insurance for senior clients used to be simple. Employers often provided retirees with some form of lifetime coverage; those lacking that option signed up for a Medicare supplement...

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DAI News & Notes: It’s that Time of Year ...

DAI News & Notes: It's that Time of Year Again: Term Conversions.
http://myemail.constantcontact.com/DAI-News—Notes–It-s-that-Time-of-Year-Again–Term-Conversions-.html?soid=1101728984258&aid=9-ngAvbcRjw.

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Trends In Longevity And Carrier Underwriting...

Trends In Longevity And Carrier Underwriting Standards
Human beings, like all mammals, are bound by biological limitations imposed by nature. For example, every mammal, no matter what size, is issued in nature about 1.5 billion heartbeats. This same rule also...

View or comment on DAI Dworkin's post »
 

DAI’s Annuity Spotlight for November 2012

DAI's Annuity Spotlight for November 2012
http://myemail.constantcontact.com/DAI-s-Annuity-Spotlight-for-November-2012.html?soid=1101728984258&aid=sf8BW7qvAM8.

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Tuesday, November 6, 2012

How to Conduct a Capital Needs Analysis

How to Conduct a Capital Needs Analysis
When determining the life insurance need, it becomes critically important for advisors to avoid telling prospects what they "should" or "ought" to do. Rather, the role of the financial professional is ...

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DAI News & Notes: ING Suspends Sales of No...

DAI News & Notes: ING Suspends Sales of No-Lapse ULs
http://myemail.constantcontact.com/DAI-News—Notes–ING-Suspends-Sales-of-No-Lapse-ULs.html?soid=1101728984258&aid=8zX4BaOvzgc. Filed under: Constant Contact, DAI, DAI Life Brokerage Services Tagged: Constant...

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