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Agent’s Sales Journal June 2008

Front Page Stories

The State of Your Professional Designations: One Year Later

In 2007, several states began putting senior-related designations under the microscope following a s...

The Future of Private Fee-For-Service Plans

In June 2007, seven health care sponsors voluntarily agreed to temporarily suspend marketing their p...

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Short Takes

8 Strategies for Effective Time Management

You have 10 clients to meet with today and still have prospecting to do. One of your carriers has introduced a new line of life products whose marketing materials you need to review, and the attendance for next Wednesday’s seminar needs to be...

Step-by-Step Guide to Communicating HSAs to Clients

Agents and third-party administrators are seeing increasing receptivity to high deductible health plans (HDHPs) but not always seeing adoption of the ideal partner for an HDHP — the health savings account (HSA). If you think that doesn’t...

The Other Option: Health Savings Accounts

When it comes to health insurance, options are essential. In today’s health insurance environment, clients are always searching for ways to maintain good coverage while saving what they can in terms of payments and premiums. A health savings...

Health Savings Accounts: The Best Solution for Rising Health Costs?

Study Reveals Steady Sales in CDHP Market; Experts Weigh in on Current State of Industry According to Agent Media’s 2008 Health Insurance Study, conducted in partnership with the Association for Health Insurance Advisors (AHIA), the Council...

Reports Reveal State-by-State Impact of Lack of Health Coverage

In 2002, a national study by the Institute of Medicine of the National Academy of Sciences demonstrated the direct link between a lack of health coverage and deaths from health-related causes. Drawing on that study, Families USA, the national...

Bill Would Help Small Businesses Cut Insurance Costs

In 2002, a national study by the Institute of Medicine of the National Academy of Sciences demonstrated the direct link between a lack of health coverage and deaths from health-related causes. Drawing on that study, Families USA, the national...

New Era Arrives for AALU

The Association for Advanced Life Underwriting (AALU), a professional trade association representing the nation’s top life insurance and financial advisors, has announced the creation of its own political action committee, AALU PAC, to better...

Treasury Releases Proposal to Reform Financial Regulation

On March 31, Treasury Secretary Henry M. Paulson Jr. made his remarks on President George W. Bush’s Blueprint for Financial Regulatory Reform.In March 2007, a group of industry leaders and policymakers convened for a conference on capital...

3 Rules to Choosing a Technology Vendor and the Tough Questions You Need to Ask

By now, most benefits brokers and intermediaries have recognized that their clients demand Internet solutions to manage their benefit programs and that they need to play a key role in delivering this technology — or someone else will. It might not...

Sales Review

How to Make Friends with the Media

As a financial professional, your calendar is probably packed with prospecting appointments, client meetings, and lots of number-crunching and paper shuffling. With such a hectic schedule, how can you possibly find time to devise an effective media...

Perspectives

The Cost Objection

Human beings are a short-sighted bunch. On its face, it seems to make sense: The car payment is due — let’s not put aside our savings for this month. We need to buy a new house — let’s hold off on starting that 401(k). I...

Selling Guides

HSAs: 6 Creative Pairings that Benefit Employers and Employees

Health savings accounts (HSAs) are maturing and gaining popularity with employers and employees alike....

Marketing

4 Simple Rules for Building a Lasting Client Base

In the insurance industry, building and maintaining a robust client base is not an easy task. Escalating health care costs have led many consumers to wonder whether they are receiving the best rates possible. It takes work, then, to build a solid...

Products

How to Grow Your Business with Annuity Liquidity Options

New ways to increase your book of business are hard to come by these days — and new annuity liquidity options can help you do just that. Traditionally, it has been difficult to provide clients with flexible cash-out options once they have...

Prospecting Corner

Getting Referrals in a Volatile Market

As I meet with various groups on obtaining more referrals, one of the most frequently asked questions is, “How do you ...

Objection of the Month

Objection Of The Month - June 2008

How would you respond to a prospect who says… "There’s so much negative news about health insurance in the media that I’m worried about buying a policy right now." “What negative news are you referring to,...

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