Question: Do you practice on a commission-only basis, fee-only basis, or commission and fee basis? Why? Answer: “I am a…
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Interest in deferred income annuities (DIAs) has been burgeoning. LIMRA president and chief executive officer Bob Kerzner reported sales of DIAs were up 155 percent in the second quarter of 2013 compared to the second quarter of 2012…
NARAB II would make it easier for agents and brokers to conduct business in multiple states while preserving state regulation of insurance and agent requirements…
Estate planning is about more than just estate taxes. Estate plans involve a variety of non-estate tax issues, making thoughtful estate planning a critical component of a comprehensive financial plan…
With current interests rates so low, healthy individuals who are no longer generating enough excess income to continue paying premiums on their life insurance trust programs may opt en masse to allow their policies to lapse…
Insurance agents are having difficulty obtaining affordable errors and omissions (E&O) coverage as carriers institute premium increases, restrict coverage and, in some cases, exit the market…
NAFA, the National Association for Fixed Annuities, has responded to a recent InsuranceNewsNet article, “War of the Advisor Groups Heats Up,” written by Cyril Tuohy and published July 12…
Smaller carriers may step up to fill a coverage gap left by the recent exits of UnitedHealthcare and Aetna from California’s individual health insurance market, reducing any potential impact on consumers…
Here’s the message the captive insurance industry wants to get across: Life insurance captives are closely regulated and the reserves invested are redundant and do not threaten policyholder claims…
Financial professionals who offer a suite of diverse, well-structured annuity products that can be paired with optional lifetime income riders may be a boon to certain clients…
Over the last few years, news headlines have reminded us about the uncertainty of our financial future…
The source-of-funds delineation captivates both sides of the financial fence. Neither insurance- nor securities-only persons want the other side to play in their own backyard…
The variable annuity sector saw 97 annuity product changes in first quarter 2013, according to new figures from Morningstar…
Here are a few noteworthy quotes from Wednesday’s presenters at MDRT 2013 in Philadelphia…
In reality, most of my clients can benefit from some amount of both term and permanent coverage. By offering both, we can tailor a plan that meets their needs but stays within their budget…
The purpose today is to share some of my secrets to selling in a virtual world…
With every major product line experiencing positive premium growth, total individual life new annualized premium grew seven percent in the first quarter of 2013, according to LIMRA’s First Quarter 2013 Individual Life Insurance Sales Survey…
Here are a few noteworthy quotes from Tuesday’s presenters at MDRT:
What do employers care about the most? What is on their minds all the time?…
Selecting the right financial advisor to approach for a professional partnership is a little different from selecting an attorney or an accountant…
