Long Term Care for Every Client: It Can Happen to Them
By now, most of us have accepted the realities of the market turbulence, and we are simply trying to go on with our lives. As we reflect upon the long and short-term effect on each of us, we may recall stating something like, “It will never happen to me” not too terribly long ago....
Do Your Clients Know What Disabilities Can Really Do to Them?
Producers: We need to change our thinking about disability and disability insurance — and talk to our clients about it. According the U.S. Bureau of Labor Statistics, 70 percent of workers don’t have long-term disability coverage. This suggests that our clients and potential clients would be very vulnerable...
Adjusting to a Changing Medicare Market: 4 Agents Speak Out
In September 2008, the Centers for Medicare and Medicaid Services (CMS) released a staggering set of new sales and marketing guidelines. The stricter regulations tightened the rules on seminars, outlawed cold calling, restructured the way...
For Annuities, Another Salvo Against Regulation
The Securities and Exchange Commission has been pressing to treat indexed annuities – whose payout is partly tied to an index of stocks or bonds – as securities, arguing that they carry investment risk. ...
How Indexed Annuities Can Help Prevent Anxiety Among Consumers
Throughout history, the number three has had universal significance. Its value stems from a number of traditional sayings, such as “the power of three” or “third time’s a charm.” The rhetorical “rule of three” is an important feature of speeches and has often been used by skilled presenters and politicians, with the understanding that people can absorb...
Health Reform in the States
Although the health care debate has slowed on a national level, many states are discussing universal coverage plans for their residents. To date, three states have passed some form of universal coverage plans, while many others have plans in the works. Below is a summary of the states that are working toward reform, along with a brief description of their efforts....