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Issue: April 2009 See all issues

FEATURES

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Age Of The Annuity

FIXED ANNUITIES WERE UP 60% LAST YEAR, AND IT LOOKS LIKE THE MOMENTUM WILL CONTINUE IN 2009

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LETTER FROM THE EDITOR

Will The Annuity Bubble Burst?

The annuity industry is swinging a double-edged sword right now. Consumers are flocking to the safety of annuities, but many carriers are struggling to keep up with the demand. General economic de

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LIFE

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Think Before You Calculate

How Financial Modeling and Internal Rates of Returns Can Make or Break Your Estate Case

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Warning Policy Loans Not Tax-Free

The Difference Between Untaxed and Tax-Free Could Be Your Liability

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ANNUITIES

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Carriers Cut Annuity Production Just As Demand Explodes

Dwindling Reserves Cause Unexpected Reduction in New Business

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What Does $10,000 A Year Cost?

Why Income Annuities off the best value for retirees.

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HEALTH

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Selling Voluntary Benefits What You Need To Know

You work to build a good relationship with your clients, but you can''t expect them to be glad to see you if all you''re bringing them are annual health insurance rate increases. You''re in a tou

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FINANCIAL

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The Medicare Conversation Leads To A Financial Touchdown

If you want to be that true financial quarterback, you need to add the Medicare position to your team.

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BUSINESS

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Perfect Annuity Prospecting Hit The Jackpot Every Time With The Power Of Seven

Many an agent has tried a wide variety of annuity prospecting methods without success. Open any industry publication, and you will see advertisements touting the benefits of using direct mail, h

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LIMRA INSIGHTS

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Tough Economy Hits Life, Vas And Ltci In 2008

Unless you were selling fixed annuities and whole life insurance, the fourth quarter of 2008 was one to forget. The two products were the only bright spots in an otherwise bleak period, accordin

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MDRT INSIGHTS

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A Tax-Based Approach To Variable Universal Life

If you are like me, you are always searching for ways to distill information and make it as clear as possible for your prospects to understand.That''s why I developed a variable universal life, o

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AALU INSIGHTS

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Future Of Life Insurance Planning Hinges On Compensation-Related Issues

Despite the central importance of the economy, the focus on compensation issues has risen since the 1990s and is now reaching a crescendo. This issue could have critical consequences for the life

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Small Businesses Bear Health Care Brunt

Smaller businesses pay bigger health care premiums, according to a national survey from America''s Health Insurance Plans and the National Federation of Independent Business. Highlights of the su

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Employers Look To Voluntary Benefits, But Still Making Cuts

Employers are looking closer at voluntary benefits such as retirement health care and long-term disability to possibly shift some company-paid benefits to voluntary status or trim voluntary benef

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Carriers Cutting Dividends

Publicly traded insurance companies are joining with their financial services brethren in slashing or eliminating dividends to shareholders. Analysts say the move is necessary if the companies ar

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Legislators Sponsor Anti-Annuity Fraud Law

Florida''s state Sen. Mike Bennett, R-Bradenton, and state Rep. Keith Fitzgerald, D-Sarasota, have introduced legislation that would impose tougher penalties on insurance agents who engage in dece

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