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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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Warning Policy Loans Not Tax-Free

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

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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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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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Go To The Head Of The Class By Serving Millennial Educators

Even though many public school employees will have access to defined-benefit pensions, they still need help planning for retirement.

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BUSINESS

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Smart Technology Planning For Advisors

Small insurance and financial planning service practices often struggle when making technology decisions. Exclusive and independent producers would rather focus on client relationships than spend

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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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Health Care Benefit Increases To Remain At 6%

U.S. employers expect health care cost increases to hold steady at 6 percent, and more plan to adopt consumer-directed health plans (CDHPs) in 2010 in an effort to control cost increases, accordin

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Long-Term Care Tax Breaks Reintroduced

Senate Finance Committee ranking member Chuck Grassley (R-Iowa) and Sen. John Kerry (D-Mass.) are introducing the Empowered at Home Act, which would allow individuals to take an above-the-line fe

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Carriers Bid For Aig's Life Unit

American International Group (AIG) has received bids from MetLife, Inc., and AXA for its American Life Insurance Co. unit, according to a Bloomberg report. MetLife made an offer of $11.2 billion

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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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