The DAI Annuity Center: Best Rates Snapshot...

The DAI Annuity Center: Best Rates Snapshot as of October 22, 2012 http://myemail.constantcontact.com/Best-Rates-Snapshot-as-of-October-22–2012.html?soid=1108901228642&aid=Qltq67SuwRY. Filed under: Constant Contact, DAI, DAI Life Brokerage Services Tagged: Annuity, Constant... View or comment on DAI Dworkin's post »

5 questions: How should you handle the shift...

5 questions: How should you handle the shift to gender-based LTCI pricing? If life agents can handle it… Federal Reserve Chairman Ben Bernanke (AP Photo/Dennis Cook) This is not an especially easy time for anyone selling anything other than iPhone 5 telephones, but it may be ... View or comment on DAI Dworkin's post »

Positioning indexed annuities in low interest...

Positioning indexed annuities in low interest rate environments Three reasons why waiting before investing in FIAs may not be in the client's best interest. Everyone is feeling the pressure of low interest rates these days — consumers, producers, distributors and manufacturers... View or comment on DAI Dworkin's post »

The Role of Life Insurance in Non-Traditional...

The Role of Life Insurance in Non-Traditional Planning Advising for diversity Today, there are many forms of non-traditional family arrangements where individuals have chosen to live together and combine their assets. Like their traditional counterparts, unmarried... View or comment on DAI Dworkin's post »

Carriers and Castaways

Carriers and Castaways Companies and agents must rescue each other for the good of the industry. Sometimes it seems as though insurance agents have become the real-life embodiment of Chuck Noland, the FedEx employee portrayed... View or comment on DAI Dworkin's post »

Genworth Study Helps Redefine ‘Uninsurable...

Genworth Study Helps Redefine 'Uninsurable' RICHMOND, Va., Oct. 17, 2012 /PRNewswire/ –Too many Americans have taken themselves out of the market for life insurance as a result of outdated assumptions about pre-existing conditions and insurability... View or comment on DAI Dworkin's post »

Managing escalating LTCi premiums

Managing escalating LTCi premiums As the product itself matures, industry looks to redefine its approach Anyone who has taken an introduction to marketing course in high school or a marketing class in college has been introduced to the... View or comment on DAI Dworkin's post »

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 ... View or comment on DAI Dworkin's post »

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. View or comment on DAI Dworkin's post »

DAI News & Notes: Genworth Announces Major...

DAI News & Notes: Genworth Announces Major Life Product Changes http://myemail.constantcontact.com/DAI-News—Notes–Genworth-Announces-Major-Life-Product-Changes.html?soid=1101728984258&aid=f1rMutMZwXE. View or comment on DAI Dworkin's post »

The DAI Annuity Center: Shopping for Product...

The DAI Annuity Center: Shopping for Product? We Can Help! http://myemail.constantcontact.com/Shopping-for-Product—We-Can-Help-.html?soid=1108901228642&aid=9Lv9Bazk96c. Filed under: Constant Contact, DAI, DAI Life Brokerage Services Tagged: Annuity, DAI, DAI Life... View or comment on DAI Dworkin's post »

What you (still) don’t know about selling...

What you (still) don't know about selling to women A woman, who just came into "a sizeable amount of money," received a phone call from her and her husband's financial planner. "He took my husband to the golf course to play 18 and then said, 'Call your... View or comment on DAI Dworkin's post »

Are you overlooking those who may need you...

Are you overlooking those who may need you the most? Three top producers explain how they thrive by focusing on the needs of middle-income clients. Let their example be your guide to success in this vastly underserved market. I have a secret that I'd like... View or comment on DAI Dworkin's post »

Overcoming middle-market sales hurdles

Overcoming middle-market sales hurdles The middle market represents an estimated $10.2 trillion opportunity for producers, but with an unconvinced, non-buying public, reaping that reward won't be easy. Here's how to leap over the obstacles ... View or comment on DAI Dworkin's post »

Closing the middle-market insurance gap

Closing the middle-market insurance gap To take advantage of the huge sales opportunity represented by an underinsured middle market, producers need to break down a few common misperceptions. More Americans are underinsured than they were a ... View or comment on DAI Dworkin's post »

Insurance News – Genworth: Life Insurance...

Insurance News – Genworth: Life Insurance Products Designed To Shift Portfolio Mix, Adjust For Low Interest Rates Insurance News – Genworth: Life Insurance Products Designed To Shift Portfolio Mix, Adjust For Low Interest Rates. Filed under: DAI, DAI Life Brokerage Services, insurancenewsnet.com Tagged: DAI, DAI Life... View or comment on DAI Dworkin's post »

Retirement tools to consider: Fixed indexed...

Retirement tools to consider: Fixed indexed annuities and in-service withdrawals Both can be used to help ensure clients have retirement income that lasts. The recent economic downturn and slow recovery have significantly impacted Americans' plans for retirement, and many of those ... View or comment on DAI Dworkin's post »

Expanding the whole life conversation

Expanding the whole life conversation If there's a silver lining to the lackluster market performance of recent years, it's that more clients appreciate the need for true — not just cosmetic — diversification in their approach to managing ... View or comment on DAI Dworkin's post »

DI Newsletter from DAI for October 2012

DI Newsletter from DAI for October 2012 http://myemail.constantcontact.com/DI-Newsletter-from-DAI-for-October-2012.html?soid=1101728984258&aid=0uBAQAhXPHQ. View or comment on DAI Dworkin's post »

DAI News & Notes: Using Life Insurance to Pay for College Funding

DAI News & Notes: Using Life Insurance to Pay for College Funding http://myemail.constantcontact.com/DAI-News—Notes–Using-Life-Insurance-to-Pay-for-College-Funding.html?soid=1101728984258&aid=Pri227GkDfQ. Filed under: Constant Contact, DAI, DAI Life Brokerage Services... View or comment on DAI Dworkin's post »

DAI’s LTCi Newsletter for October 2012

DAI's LTCi Newsletter for October 2012 http://myemail.constantcontact.com/DAI-s-LTCi-Newsletter-for-October-2012.html?soid=1101728984258&aid=b8XPcqnkNPU. Filed under: Constant Contact, DAI, DAI Life Brokerage Services Tagged: DAI, DAI Life ... View or comment on DAI Dworkin's post »

The DAI Annuity Center: The #1 Reason Consumers...

The DAI Annuity Center: The #1 Reason Consumers have for sitting on cash is….. http://myemail.constantcontact.com/The–1-Reason-Consumers-have-for-sitting-on-cash-is—–.html?soid=1108901228642&aid=IZsMpPBn0dk. Filed under: Annuity, Constant Contact, DAI, DAI Life Brokerage Services... View or comment on DAI Dworkin's post »

For Top Executives, Richer Retirement Plans...

For Top Executives, Richer Retirement Plans By FRAN HAWTHORNE Published: September 11, 2012 New York Times WITH traditional pensions disappearing, tax rates and the future of Social Security in flux and even well-known businesses facing financial... View or comment on DAI Dworkin's post »

Bank channel eyes life insurance growth

Bank channel eyes life insurance growth Half of Gen X consumers and 55% of Gen Y consumers would consider buying a life insurance policy from their bank, according to a new report from industry research and consulting organization LIMRA. No ... View or comment on DAI Dworkin's post »

Educating Clients About Policy Riders And...

Educating Clients About Policy Riders And Options Is Essential When Dean Cartwright purchased a term life insurance policy from Southern Farm Bureau Life Insurance Company in 2001, he had one goal in mind: to protect his wife Susan in the event of his death. The self... View or comment on DAI Dworkin's post »

Finding Success In Social Media

Finding Success In Social Media By Kenneth A Shapiro and Sophia Miller for the October 2012 issue of Broker World Magazine With all the hype about social media, it's easy to believe you're missing an immense opportunity if you are not... View or comment on DAI Dworkin's post »

Strategies For Serving Culturally Diverse...

Strategies For Serving Culturally Diverse Markets By Jeff Breeze & Cynthia J. Funcheon for the October 2012 issue of Broker World Magazine A cultural shift continues to take place in our country and in our industry. According to the 2010 U.S. Census, ... View or comment on DAI Dworkin's post »

DAI News & Notes: Using Life Insurance to...

DAI News & Notes: Using Life Insurance to Pay for College Funding http://myemail.constantcontact.com/DAI-News—Notes–Using-Life-Insurance-to-Pay-for-College-Funding.html?soid=1101728984258&aid=Pri227GkDfQ. View or comment on DAI Dworkin's post »

DAI’s LTCi Newsletter for October 2012

DAI's LTCi Newsletter for October 2012 http://myemail.constantcontact.com/DAI-s-LTCi-Newsletter-for-October-2012.html?soid=1101728984258&aid=b8XPcqnkNPU. View or comment on DAI Dworkin's post »

Life Insurance, Living Benefits, and Long...

Life Insurance, Living Benefits, and Long Term Care: Protection for All of Life's Stages By John Oliver, CLU, ChFC, Vice President, Field Development for Transamerica A young couple just beginning a family. A GenXer sending a child to college. A Baby Boomer... View or comment on DAI Dworkin's post »

Disability Insurance Insights…

Disability Insurance Insights… Ninety-seven years ago, Solomon Hueb­ner, founder of The American College, taught us that there are two kinds of death: dead death and living death. Either kind of death destroys one's ability to earn ... View or comment on DAI Dworkin's post »

Thinking outside the benefit period box

Thinking outside the benefit period box The last time you sold a disability income (DI) policy or reviewed a client's existing DI coverage, did you discuss protection for your client's ability to save for retirement? It's a topic that's often... View or comment on DAI Dworkin's post »

Guaranteed universal life: The retirement...

Guaranteed universal life: The retirement saver Life is not what it used to be, is it? Given the instability of the markets over the past few years, many Americans are now working farther into their "golden years," have had to witness the values of ... View or comment on DAI Dworkin's post »

After the final buzzer

[Disbility Insurance:] After the final buzzer "The highest-paid player on an NFL team is the quarterback. What you probably don't know is the second highest-paid player is the left tackle. This is because the left tackle's job is to protect the quarterback... View or comment on DAI Dworkin's post »

Life insurance as asset protection

Life insurance as asset protection The last five years have produced an explosion in the number of clients looking for solutions to both asset protection and estate planning issues. Your high net-worth (HNW) clients are rightly more concerned... View or comment on DAI Dworkin's post »

Some solid reasons to be high on life [insurance...

Some solid reasons to be high on life [insurance] By Charles K. Hirsch, CLU. From the September 1, 2012 issue of Life Insurance Selling Most top producers have a thick sales portfolio full of a wide array of products. This magazine reflects that diversity... View or comment on DAI Dworkin's post »

Life Insurance Opportunities: Fact-find before...

Life Insurance Opportunities: Fact-find before you sell One of the most important steps in building a successful life insurance practice is to take a holistic approach when meeting with a new prospect. Conducting a thorough fact-finder without any preconceived... View or comment on DAI Dworkin's post »