Life Insurance Selling December 01, 2005

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Features

  • Retirement Plans May Be at Risk Without LTCi

    By Thomas J. Fridrich

    Retirees and those nearing retirement face many risks. Health might decline. Inflation and other market risks can degrade assets reserved for retirement. Entitlement benefits might be reduced or lost. And longer life spans could result in some

  • LTC Insurance - To Preserve the Financial Plan

    By Diane Steeves

    Long-term care (LTC) insurance has been in the market for nearly two decades. Over that time, while a few carriers have come and gone, countless families have experienced the devastating financial and emotional consequences of failing to plan for

  • Be an LTC Planner, Not Just an LTC Agent

    By staff writer

    There is no doubt in my mind that the best way to cover the potential risk of needing long-term care (LTC) services in the future is by purchasing long-term care insurance (LTCi). If someone simply is looking to transfer this risk to an insurance

  • The Importance of Education

    By Lalarry Barton

    As professionals in the financial services field, we all know the value of hard work and experience. Ours is a business without limits. Our ability to earn is directly proportional to our ability to communicate effectively with our clients and

  • LTC Premiums Are Not So Important

    By staff writer

    The premiums for a long-term care (LTC) insurance policy are not the most important consideration when you are evaluating a policy. It does not matter whether premiums are higher on the policy you have analyzed and realized has better policy benefits

Review and Outlook

  • Helping Baby Boomers Plan for Retirement

    By Bruce Parker

    According to economist Jeffrey Brown: "People can expect to live one-fourth to one-third of their lives in retirement. This requires a lot of planning. The challenge is to make a nest egg last a lifetime in the face of uncertainty about how long one

  • How the OFC Proposal Can Ease Your Licensing Headaches

    By Frank Keating

    The Optional Federal Charter proposal might lead to producers needing only a single national license. From the early days of life insurance in the United States, the states have regulated the business. The system worked well for generations,

  • Individual Health Market Poised for Growth

    By staff writer

    Throughout 2005, the individual health market has been redefined by a new set of industry expectations that are shaping the way we do business. This year was characterized by consumer growth, plan diversification, increased carrier competition, and a

  • Where Are Employee Benefits Going?

    By Deanna D. Strable

    We live in an increasingly consumer-driven benefit world as defined contribution retirement solutions, health savings accounts, and high-deductible health plans continue to gain popularity. This consumer-driven concept is expanding to other benefits

  • Be There for Important Life Changes

    By David B O'maley

    The year's catastrophic events in the Gulf Coast and Florida continue to illustrate the critically important benefits delivered by the products and representatives of our business. When all else seems gone, destroyed, and unknown, the guarantees and

  • Debunking Three Big Myths About Annuities

    By Michael R. Tripses

    The fixed annuity industry is entering the most tumultuous time of its nascent history. The modern back-end loaded (declared rate or indexed) annuity has come under attack on multiple fronts, including uninformed, one-sided stories in the consumer

  • Living in Interesting Times

    By staff writer

    As I look back at 2005 and then forward toward the new year, I'm reminded of the saying, "May you live in interesting times." Whatever else you might think about the challenges facing our industry, you'd have to agree that they are interesting ?