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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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IN FRONT

The Amazing Fiduciary Race

State and federal regulators have been battling for a decade to establish a fiduciary or best-interest standard for financial services. Much has happened already in 2018 to sap momentum from the Department of Labor and give it to the SEC. We handicap those agencies, plus what is happening at the state level.

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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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Sometimes Cobra Is Not Worth The Bite

Help Your Clients Decide Between Extending Group Coverage or Buying Individual

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FINANCIAL

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Six Signs Your Client Has Outgrown You

Several things contribute to clients outgrowing their advisors. In particular, advisors should be wary of these six things, as they could be signs their client is ready to move on.

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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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Top Health Plans Feel Recession

Health insurers are feeling the effects of the economy, especially layoffs and budget cutbacks, according to a study of eight top insurers by Mark Farrah Associates (MFA). Profitability for leadi

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Obama Focuses On Ma Cuts

The Obama administration has its sights set on Medicare Advantage (MA). White House budget director Peter Orszag said on March 10 that the government will no longer overpay companies that offer M

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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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Lincoln National Wins Gmwb Patent Suit

Lincoln National Life Insurance Company won a $13 million jury verdict on Feb. 13 in its patent infringement lawsuit against Transamerica Life Insurance Company, Western Reserve Life Assurance Co

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