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LETTER FROM THE EDITOR

When Security Beats Sexy

Some things or people don’t need to be sexy. Like your grandma. You don’t want to think of her being sexy. There’s just no need for that.

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Sections

Life

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Leveraging Low Interest Rates to Avoid an Escalating Estate Tax

Life insurance can provide wealthy clients with a number of options to solve their estate planning challenges in today’s low interest rate environment.

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Private Loan Strategy Protects Estates Now Without Gifting

How wealthy estate owners can be persuaded to take action now while still preserving lifetime gifting flexibility for the future.

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Annuities

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The Case for Annuities in Qualified Retirement Plans

Eighty-four percent of plan participants have no kind of guaranteed future income funding option from which to choose.

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Regulatory Moves Crumble Walls Between Fixed and Variables

A discussion on contingent deferred annuities leads to speculation on whether the “walls” between fixed and variable annuities could be coming down.

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Health

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Voluntary Can Ease Clients’ Growing Health Care Worries

New exchanges, greater accountability and need will confront agents and consumers this year.

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Financial

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Variable Annuities Get Back to Basics With Investment Focus

The broader array of variable annuities that are more understandable to clients should make these products more attractive as retirement planning tools.

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The Last Word

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Stop Treating Financial Institutions Like Petty Thieves

The language and complexity of the financial services industry continue to intimidate consumers and prevent them from taking action.

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Business

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Stories That Will Inspire Action

Telling your personal stories can move your clients to act on your advice.

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