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

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

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

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

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barrier to life insurance Too many Americans have taken themselves out of the market for life insurance as a result of outdated assumptions about pre-existing conditions and insurability.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... View or comment on DAI Dworkin's post »

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

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

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

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

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

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

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. View or comment on DAI Dworkin's post »

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. View or comment on DAI Dworkin's post »

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 View or comment on DAI Dworkin's post »

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. Filed under: Constant Contact, DAI, DAI Life Brokerage Services Tagged: Annuity, Constant... View or comment on DAI Dworkin's post »

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

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

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

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

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

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

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

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

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

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. View or comment on DAI Dworkin's post »

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. View or comment on DAI Dworkin's post »

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

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

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

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

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

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

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

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. View or comment on DAI Dworkin's post »

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. 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. Filed under: Constant Contact, DAI, DAI Life Brokerage Services Tagged: Constant... View or comment on DAI Dworkin's post »