National Underwriter Life & Health Magazine January 02, 2006
Cover Story
Achieving Success With The Whole Client Model
What is the difference between "sales" and "marketing"? In the former, you're trying to convince a prospective client to buy what you have to offer.
Focus
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The Special Needs Trust: Overlooked And Underutilized
Last year, much of the country joined the debate concerning Terri Schiavo and became better educated on planning issues involving special needs individuals. While the ...
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Rent To Own: A New Paradigm For Selling Life Insurance
Selling large life insurance policies is seldom easy. No matter how urgent and appropriate the need, advisors must address many obstacles before clients approve the ...
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Charitable Lead Trusts: The Overlooked Exit Strategy
Today's life insurance planning environment provides sophisticated techniques to help clients create, retain and transfer their wealth. Many of these concepts initially offer great tax ...
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Harvesting Equity When Planning For Retirement
Equity harvesting has been around for many years but only recently has come into the mainstream. The concept is simple: Borrow money and invest the ...
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Need More Credibility With The Affluent? Borrow It!
Want to work exclusively with the affluent? You can do it--these principles will help.Ten years ago, after 15 years in financial services, most of that ...
News
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Principle-Based Reserve Valuation Office Discussed
A reserve valuation office similar to the current securities valuation office of the National Association of Insurance Commissioners was one possible governance mechanism that was ...
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In Case You Missed These...
The following are some important items you may have missed in the midst of celebrating the holidays.On Dec. 22, President Bush signed without comment a ...
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Senate Bill Whittles Away State Rights, Regulators Warned
Consumer advocates are warning state insurance commissioners that they risk sacrificing state-based consumer protections if they support a Senate bill in its current form.The advocates ...
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Medicare Drug Sign-ups Causing Concern Among Regulators
State insurance regulators are concerned about implementation of prescription drug plans that are part of Medicare legislation.Enrollment in PDPs as a result of the Medicare ...
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Capital Outflow Exceeds Earnings In 9 Months Of 2005
With a record $20.2 billion of operating earnings in the first nine months of 2005, the 100 largest U.S. life insurance companies, accounting for 84% ...
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3Q 2005 Variable Life Sales Held Their Ground
Variable life sales with single premiums included at 10% for the 42 companies reporting in the VALUE survey for third quarter 2005 were $626 million. ...
Features
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The Big Health Story In 2007: Consumers, Please Pick Up Your Keys
The Big Health Story In 2007: Consumers, Please Pick Up Your Keys. Please?BY ALLISON BELLDecember 19/26, 2006The coming year may be the year when "consumer-driven ...
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Service Problems Crop Up At Postal Worker HRA Plan
Some members of the oldest federal employee "consumer-directed health plan" may be having trouble getting used to the plan.Researchers at the U.S. Government Accountability Office ...
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Wising Up to the Women's Market
I've been married for 9 years, so I know there are many differences between men and women--in how we communicate, process information and much more. ...
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Economic Capital Discussed As Risk Management Tool
PWCDec13jc83 linesEconomic capital, a capital adequacy measure, is gaining some ground as an accepted tool but still has a way to go, according to a ...
Opinion
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'Comfort and Joy'?
A few paces from Chicago's Magnificent Mile where holiday shoppers were at the ready with their credit cards, consumer advocates were recounting how another kind of debt runs up.
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No Time Left For Lip Service
The nation is now only two years away from the time when the oldest of the baby boomer generation hits age 62 and when some of them will be entering retirement.
