National Underwriter Life & Health Magazine September 24, 2007
Cover Story
Lack Of Liquidity Can Kill Suitability
Unsuitable annuity sales and sales practices have been big news this year, along with Congressional hearings and various proposed standards to address suitability issues.
Focus
-
Health Savings Accounts For The Unhealthy? Absolutely
Although it seems counterintuitive, unhealthy individuals are not disadvantaged by the combination of a high-deductible health plan with a health savings account. In fact, they ...
-
How Taxes And Goals Can Impact A Retirement Plan
The traditional approach for managing the imbedded tax liability in retirement assets is fairly straightforward:1) Access taxable accounts (such as a taxable savings account).2) Access ...
-
Low Annuity Renewal Rates: Why This Agent Is Smiling
Thank goodness for annuity insurers that drop their renewal interest rates to the minimum.During my 32-year career as an insurance agent specializing in fixed, deferred ...
-
Is Permanent Individual Life Insurance Pass??
The question in the headline is one that is voiced more and more.Certainly term insurance has become a favorite of consumers--it is truly being sold ...
-
Personal DB Plans Funded By Life Insurance? Not D?j? Vu
The continuing decline in traditional defined benefit plans and the contribution limits that exist on defined contribution plans are working to threaten the retirement security ...
-
Take A Life Stages Approach To Finding The Life Insurance Need
Understanding and approaching clients based on personal financial life stages can help determine life insurance needs as well as spot current and future financial objectives ...
News
-
Clinton Releases Health Coverage Proposal
Sen. Hillary Clinton, D-N.Y., helped mark the battle lines separating the Democratic presidential contenders and the Republican contenders on health finance issues last week when ...
-
Trust Settlements Could Be Part Of NAIC's 2008 Charge
Regulators will consider addressing trust settlements and insurance policy loan provisions when they discuss charges for 2008, according to Julie McPeak, chair of the Life ...
-
Consumer Reps Urge NAIC To Review Policy On Models
Funded consumer representatives at the National Association of Insurance Commissioners are urging the organization to rethink its new model law policy.In a letter dated Sept. ...
-
As He Leaves NAIFA, Woods Says Advocacy Remains 'Job #1'
During NAIFA's '07 Convention and Career Conference, held here Sept. 8-12, outgoing CEO David Woods sat down for an interview with National Underwriter Senior Editor ...
-
Bush To Congress: Send Me A Short-Term SCHIP Extension
President Bush last Thursday urged Congress to send him a bill providing for a short-term extension of the current State Children's Health Insurance Plan as ...
-
House Passes TRIA By Big Margin
Legislation extending the Terrorism Risk Insurance Act that specifically covers group life insurance for the first time was overwhelmingly passed by the House on Sept. ...
-
VA New Sales And Cash Flow Surged In 2nd Quarter
The second quarter of 2007 brought two significant milestones to the VA industry: A new record for sales and a long awaited resurgence of strength ...
Features
-
Iowa Commissioner Reports To Governor On LTC
Iowans need legislation that would give owners of long term care insurance policies the same rights to contest claims as those given for health insurance ...
-
Large Case Sales Pump Up Group Disability Sales
Big employers may have ramped up U.S. group disability in the first half by enrolling more of their employees in income-protection plans.Premium revenue from new ...
-
Kicker: Positions
Kicker: Positions What Selected Presidential Candidates Are Saying ...
Advising Boomers
-
Want Boomers To Listen? Make Sure They Can Hear You
Financial professionals may have a hard time telling boomer clients how it is if the clients have lost their ability to hear.Decades of occupational exposure, ...
-
Many Boomers Tap Nest Eggs To Found New Businesses
A new study by the Hartford Financial Services Group Inc. draws attention to the importance of effective planning in helping boomer business owners protect their ...
-
It's All About Timing: The Impact Of Returns On Distributions
When the Dow Jones Industrial Average plunged 387 points on August 9th following the disclosure that turmoil in U.S. mortgage and securities market had prompted ...
-
The Leap To Taking Income Need Not Be A Free Fall
The leap from paycheck to payout can be a scary one for boomers who are starting retirement. However, it need not be a free fall, ...
Opinion
-
Hillary Learns
If nothing else, you have to give Sen. Hillary Clinton credit for having the courage to revisit an issue that has dogged her for well ...
-
CRM: The Hoax That Wouldn't Die?
Few technology concepts have been hyped more and delivered less to the insurance industry than customer relationship management, also known as CRM.At the beginning of ...
