Agent’s Sales Journal June 01, 2006
Short Takes
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Learning the Basics of Critical Illness Insurance
Critical illness insurance pays a lump-sum benefit upon the diagnosis of a serious illness such as life-threatening cancer, heart disease, or stroke. Other covered conditions often include major organ transplants, Alzheimer's disease,
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What You Need to Know About Disability Claims Definitions
Much has been published in the mainstream media about the fact that disability income insurance claims have increased dramatically over the last several years, along with a disproportionate number of inappropriate claims denials. And the claims
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The International DI Society
At a disability insurance sales conference in Minneapolis in 2001, Milliman USA released the results of its actuarial study of disability insurance for the period from 1975 to 2000. Among the findings was the exit of carriers from the disability
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Managing a Client Meeting
Client meetings are your life's blood, but do you really know how to manage a meeting with an older client? He or she comes to the meeting with a set of physical and psychological needs that are likely different from yours. He or she also
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Study: Hispanics Need More Information About Life Insurance
A new LIMRA study unveils insights on the Hispanic community's needs, attitudes, and perceptions about financial planning and term life insurance. Among the study's most compelling findings: o English-speaking Hispanics are
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Massachusetts Will Be First State to Fine the Uninsured
The Massachusetts Legislature has approved a bill that would require residents to buy health insurance or face legal penalties. That would make it the first state to tackle the problem of uninsureds by treating patients the same way it does cars.
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Affluent Consumers Plan to Boost Their Portfolios
Investment buying sentiment among affluent households continued an upward trend that began in August 2005, according to the February 2006 Phoenix Affluent Marketing Service (AMS), the largest continuously fielded syndicated survey of affluent
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Covering Critical Illness Using LTCI
While many people protect themselves and their families by purchasing life insurance, some do not have adequate insurance to handle periods of critical illness. Today, millions are affected by sudden illnesses, such as heart attacks, strokes, and
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Agent's Sales Journal Interview With Brian F. Griffin, MetLife Vice President
Agent's Sales Journal recently spoke with one of the top Disability Income experts in the country to find out the state of DI today and how agents can become more successful in selling this important product. Agent's Sales Journal:
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Florida Seeks to Cap Long Term Care Insurance Costs
The Florida Senate Banking and Insurance Committee recently approved legislation that would curb the cost of long term care insurance. Hundreds of thousands of Americans buy these policies -- usually when they are younger -- expecting
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Free Anti-Money-Laundering Training Now Available Online
The National Association of Independent Life Brokerage Agencies (NAILBA) has announced that its free Anti-Money-Laundering (AML) training program is now available online through its two Web sites - www.nailba.org and www.AgentResources.com.
Perspectives
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The True Value of Health Insurance
We all know the numbers. We've heard them before, in newscasts, magazines, studies: More than 40 million Americans have no health insurance, 8 million of those children. And more than 30 million are underinsured, carrying coverage that barely
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Consumer-Directed Health Care Not Just for Healthy, Wealthy
My family has it all -- from all-star athletes to those of us who need to lose more than a few pounds. With the exception of my son, the athlete, we work too many long hours, eat on the run, and don't exercise like we should. All of us
Health Insurance Selling Guide
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Mini Medical Plans: A Light Alternative for the New Health Care Appetite
It's happening in the drive-through, and it's happening in working America. The quarter pound variety of employer-paid health coverage is shrinking fast.
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Today's Group Health Landscape: More Rules, More Tools, Greater Opportunity
The view of the group health insurance field is exciting: more challenges and greater opportunity than agents have seen in over three decades.
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How to Market HSAs to Baby Boomers
When today's baby boomers were growing up in the 1950s and 1960s, their parents purchased health insurance that reflected their life expectancy at that time (65 to 70 years). Just about everyone bought first-dollar coverage and received
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New Graduates Good Market for Short-Term Medical Coverage
Each year, high schools and colleges send hundreds of thousands of graduates into the world, each with a unique set of goals and ambitions. As they enter this time of transition, many find themselves with new insurance needs. While some agents focus
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Buyer Beware: Not All Limited Benefits Plans Are the Same
With the number of uninsured workers growing, employers have had a change in attitude about limited benefit plans. A product once viewed as a bare-bones plan is now seen as a viable solution to today's health care problems. Retailers,
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Beyond Major Medical: Helping Employers Foster A Healthier Workplace
According to a recent study, cancer was the leading cause of Americans' long-term absence from work in 2005. This statistic has held steady for the fifth consecutive year, according to claims data compiled by UnumProvident. Of the long-term
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Help Your Client Choose the Right HSA Custodian
Every month, more than 100,000 new health savings accounts (HSAs) are opened. For cost-conscious consumers who are willing to research medical pricing and shop around, the potential to build equity in these accounts is great. An HSA is a
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Health Insurance: An Increasingly Complex Affair
Agent's Sales Journal national study reveals true picture of today's health insurance market The once-basic health insurance marketplace has become a complicated one. Gone are the days of major medical-only plans where an employer picked
Objection of the Month
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Objection Of The Month June 2006
How would you respond to a prospect who says... "My employer is suddenly promoting disability insurance. Why would I waste my money on something I'm unlikely to ever use?" Perhaps a discussion about the fact that, for most
From The Agents Desk
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Joe Dokes, CLU
From: Johansson.L.@AcmeL&DCo.com To: JDokesCLU@hotspot.net Sent: Friday, January 13, 2006 10:28 AM Subject: Very funny stuff !!! Hey Joe: You really crack me up! Your mock claim form was hilarious! I hope you don't
Front Page News
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How to Encourage Employers to Offer LTCI
When offering health insurance coverage options to employees, employers are often "darned if they do and darned if don't". This gray area refers to companies' ambivalence in deciding which types of coverage to offer as
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Anti-Money- Laundering Regulations and Their Impact on You
The Treasury issued final regulations requiring insurance companies to have an anti-money-laundering (AML) program and to report suspicious activities by filing Suspicious Activity Reports (SARs). By May 2, 2006, insurance companies were required to
Sales Review
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Guiding Seniors Through the Retirement Planning Maze
Retirement and estate planning are becoming a national obsession. "How can I ensure that I'll enjoy a comfortable retirement?" "What if I outlive my money?" "Will I have anything to leave my spouse or children
Special Features
2013 Outlook As we move into a transition year, check out LifeHealthPro's conjectures for the life, annuities, health and disability markets.
100 Best Sales & Marketing Ideas Whether you want ideas for referrals, generating leads or just listening to your clients better, we have the sales and marketing tips you need.
The Complete ELNY Saga For more than two decades, the Executive Life Insurance Company of New York (ELNY) has been bled for billions of dollars while languishing in a state-imposed purgatory.
Life Insurance A-Z This alphabetical-themed infographic will help your clients feel more comfortable discussing life insurance protection concepts.
2012 Advisor of the Year Through a very thorough nomination process we look to find a top producer who is a true cornerstone of a community.
Senior Survey 2011 In this special section, find out how seniors build their nest egg, make an estate plan, finance their health care and where they live.
