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April 9, 2025
Image of a caution sign with the words "LTCI FRAUD". LTCi-becoming-more-of-a-target-for-fraud.

LTCi becoming more of a target for fraud

An aging population combined with increased usage of long-term care insurance means more opportunity for misuse of funds and fraud, waste and abuse.

April 9, 2025
Image shows California's state flag and the Foresters Financial logo.
A 9th Circuit decision allows Foresters Life Insurance and Annuity Co. to terminate a California life insurance policy.

9th Circuit panel validates Foresters’ California lapse decision

A 9th Circuit Court of Appeals’ panel partially reversed a lower-court ruling last week in a California term policy lapse lawsuit.

April 9, 2025
The words "Long-term Care" seen through a magnifying glass. As-LTC-hits-a-crisis,-a-call-to-reach-middle-income-Americans.

As LTC hits a crisis, a call to reach middle-income Americans

Long-term care in the U.S. is in crisis, and one way to help more Americans prepare for future care needs is for LTC insurance carriers to focus on the middle market.

April 9, 2025
Image showing wildfires with the words "Premium Hikes." Following-State-Farm-lead,-insurers-expected-to-seek-rate-hikes-following-LA-fires.

Following State Farm’s lead, insurers expected to seek rate hikes due to LA fires

Following an emergency rate hike for State Farm Insurance in the wake of the LA wildfires, other insurers are expected to seek rate hikes.

April 9, 2025

In times of market volatility, FIAs make the difference

How fixed indexed annuities may help clients confidently stay the course.

April 9, 2025
Illustration of a person putting coins into a piggybank. Making-the-most-of-Financial-Literacy-Month.

Making the most of Financial Literacy Month

Americans’ low level of financial literacy makes a compelling case for advisors to help clients enhance their level of financial knowledge.

April 8, 2025
Image of the globe with the words "import tariffs". Tariffs alter Q2 economic outlook downward, Morningstar says.

Tariffs alter Q2 economic outlook downward, Morningstar says

Tariffs have radically altered Morningstar’s second-quarter U.S. economic outlook as the organization’s chief U.S. economist said President Donald Trump’s proposed tariffs have pushed projected gross domestic product down, pushed projected inflation rates up and increased the risk of a recession to 40%.

April 8, 2025
Illustration of tailors working on a working persons outfit, but cutting the pockets out of it. Entitlement-programs-will-survive,-but-at-a-cost,-experts-say.

Entitlement programs will survive, but likely at a cost, experts say

Experts say, despite fears, entitlement programs –Social Security, Medicaid and Medicare – will survive largely intact, but likely at a cost.

April 8, 2025
Photo illustration of worried policyholders. LTCi-policyholders-face-difficult-decisions-over-premium-hikes.

LTCi policyholders face difficult decisions over premium hikes

Do they bite the bullet and pay more for their coverage? Do they opt to reduce their benefits in an attempt to save money? Or do they choose to stop paying on their policies altogether?

April 8, 2025
Image shows the Cigna logo on an automated man.
Plaintiffs claim that Cigna is using AI to deny claims.

California Judge gives Cigna a (partial) win in improper claim denial lawsuit

A California judge is giving plaintiffs until late April to file a fourth amended complaint alleging that Cigna used a computer algorithm to improperly deny claims.

April 8, 2025
Illustration showing a woman on a playing field with a megaphone coaching players. Women-need-an-advisor-whos-also-a-coach

Women need an advisor who’s also a coach

Even though women are controlling more wealth than ever before, they face a number of challenges and they need a financial professional’s help.

April 8, 2025

Cross-selling LTD insurance to life insurance customers

Long-term disability insurance can provide essential financial security during challenging times.

April 7, 2025
Illustration of an elderly couple standing atop a pile of coins with the words "Charitable Giving" in the background. Charitable-gift-annuities-gaining-in-popularity.

Charitable gift annuities gaining in popularity

A CGA is an agreement between a donor and a nonprofit organization that provides the donor with a fixed income stream for life.

April 7, 2025
AI illustration with a financial advisor pondering use of AI with an AI angel over one shoulder and an AI devil over the other. Should-financial-advisors-use-AI--Expert-weighs-in.

Should financial advisors use AI? An expert weighs in

With many consumers having embraced AI themselves, how do they feel about financial advisors using the technology. One expert weighs in.

April 7, 2025
Illustration of an investor in a paper sailboat made of market report pages in a roiling sea. Inflation-and-interest-rates-Help-clients-navigate-this-terrain.

Inflation and interest rates: Help clients navigate this terrain

Inflation is persisting, interest rates are still high and economic uncertainty is all around. Consumers need their advisors to help them navigate this terrain.

April 7, 2025

How insurers can leverage agent insights to navigate disruption

Insurance companies can strengthen trust and improve outcomes by tapping into these valuable allies.

April 4, 2025
Illustration of a large head with a heart containing a red cross in the location of the brain. Mental-health-remains-in-the-forefront-5-years-after-pandemic

Mental health remains in the forefront 5 years after pandemic

Five years after COVID-19 disrupted the world, the effects are still being felt. One of the biggest effects to impact the world of health insurance and benefits is greater awareness around mental health.

April 4, 2025

Tariffs, trade and taxes in the time of Trump

As tariffs are under greater consideration, let’s examine their historical significance and explore potential implications of new tariff measures.

April 4, 2025
Image of an insurance agent watching a screen full of charts and graphs representing industry trends. Expert-looks-at-insurance-industry-trends-as-AI-takes-hold 1.

Expert looks at range of insurance industry trends as AI takes hold

With the advance of AI, change in markets, and ongoing challenges, the insurance industry is carving out new strategies.

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