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Issue: December 2015 See all issues

FEATURES

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Inside the DOL's War on Annuities

For those who sell annuities, the Department of Labor’s proposed fiduciary rule will bring either a significant shift or a disastrous disruption to the way they serve their clients.

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How To Get Everyone On Your Sales Team

An interview with Todd Cohen Who is on your company’s sales team? Everyone! Even if sales isn’t part of an employee’s job description, every person in your operation has an impact on the customer’s decision to buy.

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LIFE

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Learning the Facts of Life — Whole Life, That Is

Five facts about whole life insurance that may help “seal the deal” when your client must choose the type of coverage to buy.

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Beating the Odds Twice: Getting Coverage for Cancer Survivors

A client’s cancer diagnosis doesn’t necessarily mean they no longer qualify for life insurance coverage. Here is how you can help them through the application process.

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ANNUITIES

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Advisors and Clients Stuck in Strategies Ignoring Longevity

Financial professionals are still pushing accumulation strategies when older clients are most worried about outliving their funds, a survey says.

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Does Your FIA Index Crediting Strategy Swing for the Fences?

A strategy can aim either for steady low returns or occasional high returns. Here is how to think about the risk/reward trade-off found in fixed index annuity crediting strategies.

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HEALTH

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The Questions That Help Find the Right Disability Coverage

It’s not enough to convince your client to purchase disability insurance. You also must match the correct options to your client’s needs.

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FINANCIAL

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Bigfoot Sighting? Tax-Free Roth Conversions Do Exist

Just as there are those who believe Bigfoot exists, there are also those who believe that every Roth conversion results in taxable income. However, there are some strategies to use a Roth IRA to create tax-free retirement money for your client.

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BUSINESS

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How to Discover Your Niche and Grow Your Business

When you narrow your target market, you will escape your crowded field.

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How To Get Everyone On Your Sales Team

An interview with Todd Cohen Who is on your company’s sales team? Everyone! Even if sales isn’t part of an employee’s job description, every person in your operation has an impact on the customer’s decision to buy.

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LIMRA INSIGHTS

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Fiduciary Rule Fails to Address the Big Picture

The Department of Labor’s proposal would force advisors to abandon the investors who would benefit most from financial advice and guaranteed income products.

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MDRT INSIGHTS

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Tips to Take the Stress Out of College Planning

Most parents dream of sending their children to college, but the college planning and selection process can be a major source of family stress. Here are some hints to smooth the journey.

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NAIFA INSIGHTS

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The Family Financial Dilemma: College vs. Retirement

For most families, saving for college affects their ability to save for retirement. But there are a number of financial tools available to help them fund both.

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AMERICAN COLLEGE

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Special-Needs Families Must Plan a Retirement Built for Three

The right kind of planning can create a rewarding retirement for parents while making sure that their special-needs child will be cared for.

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