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April 1, 2023
Paper fist on top of a stack of insurance documents

States maintain iron grip on insurance regulation

This is the first of a three-part series on the state-based insurance regulatory system. This month’s story summarizes the issues surrounding state insurance commissioners and the differences between elected and appointed systems.

April 1, 2023
Pictured are the past 10 NAIFA’s Young Advisor Team Leaders of the Year. Jeff, the most recent recipient, was named YATL in 2022.

Volunteering for success — with Jeff Chernoff

How 2022 NAIFA Young Advisor Team Leader of the Year Jeff Chernoff’s passion to give back also helped pave the way to his career success.

April 1, 2023
five generations of workers talking around a table

Keeping five generations of workers happy with their benefits

How to meet the employee benefits needs of today’s multigenerational workforce, from the Silent Generation to Gen Alpha.

April 1, 2023
Image portraying financial planning crystalized with money and a coronavirus cell in the middle

Financial literacy is contagious

When it comes to improving the financial literacy of Main Street Americans, insurance and financial professionals are crucial.

April 1, 2023
Picture of a woman financial planner wearing a crown in front of a cheering crowd

Pro bono financial planning benefits society and advisors

How offering your time and guidance can make you a better financial planner.

April 1, 2023

Ask the right questions, find the right coverage

You may be surprised at what motivates people to buy life insurance coverage.

April 1, 2023
Portrait of a man with a pessimistic, unimpressed expression.
A negative outlook regarding life expectancy may be correlated with other factors that impact the decision to buy annuities.

Does pessimism really suppress annuity sales?

A recent study from the Boston College Center for Retirement Research suggests that pessimism has less of an effect on annuity sales than might be expected.

April 1, 2023
golden nest egg atop a spiraling maze in the style of MC Escher

Helping clients navigate difficult estate-planning conversations

Advisors may know the importance of estate planning, but that doesn’t make it easier to have difficult estate planning conversations.

April 1, 2023
Report card with an A+ grade on it

Helping the public get an A+ in financial literacy

Generation Z workers, ages 18-25, are saving an average of 14% of their income. So one might assume that financial literacy is improving.

April 1, 2023
Woman with a beauty mask on looking at her phone

The how and when of texting clients

Consumers are already on their phones. Here is how you can communicate via text while staying compliant — and appropriate.

April 1, 2023
captain at the wheel of an old wooden ship

Financial professionals can help guide through turbulent times

LIMRA research shows investors who work with a financial professional are more likely to have weathered the ups and downs of the market.

March 31, 2023
Image of the word "Medicaid" under a hole ripped in a dollar bill

Coalition aims to keep people covered as Medicaid unwinding begins

A coalition of organizations representing millions of American patients, people with disabilities, care providers, employer-related groups, and health insurance providers have come together to launch the Connecting to Coverage Coalition.

March 31, 2023
Smiling, confident looking woman standing in front of men

Creating financially fearless female investors

Women face a number of financial challenges but female investors also represent an opportunity for advisors.

March 30, 2023
Image of U.S. District Court Judge U.S. District Court Judge Reed O’Connor, Northern District of Texas, alongside the ACA logol

ACA ruling hits preventive care, but ‘isn’t a fatal blow,’ analyst says

A U.S. District Court judge’s ruling that strikes down free HIV drugs and some cancer screenings under the Affordable Care Act isn’t a fatal blow to the health care act, although it does have implications.

March 30, 2023
The photo shows a man seemingly dreaming about private equity.
Life insurers are adding risk and ratings agencies have taken notice, AM Best officials said Wednesday.

AM Best will be ‘all over’ life insurers if high-risk assets escalate

Life insurers are increasingly compiling higher risk assets and AM Best is watching closely, two directors assured a federal Department of the Treasury committee Wednesday.

March 30, 2023
Image of giant drug bottle, with large pills spilling out and tiny figures running toward the pills.

Health panel: How to improve prescription drug prices, accessibility

Prescription drug prices hurt those who can’t afford to take them, and there is a lack of transparency around what patients actually pay for drugs.

March 30, 2023
Illustration of a nicely dressed man sitting in a giant $100 bill folded, origami-style, like a boat, sitting atop a pile of cash and coins. What a financial advisor needs to know to serve high-net-worth clients.

What financial advisors need to know to serve high-net-worth clients

Top financial professionals share advice on what a financial advisor needs to know to serve high-net-worth clients.

March 29, 2023
Illustration showing the words "State of the Life Insurance Industry" with the stripes of the American flag in the background.

Life insurance industry sales focus change cited in falling policy counts

The number of families reporting any life insurance coverage peaked at 85.4% in 1971. That number declined nearly every year since and is expected to decline in 2022.

March 29, 2023

Economists expect recession and persistent inflation this year, survey shows

Economists think the United States will see a recession and persistent high inflation this year, according to a recent survey.

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