National Underwriter Life & Health Magazine February 25, 2008
Cover Story
When Clients Want To Change Beneficiaries
What should advisors do when baby boomers or other clients ask to change a beneficiary designation on a financial product?
Focus
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L07blazzard
There seems to be almost a panicked rush to provide investment guarantees to non-insurance financial instruments.The selected investments to which guaranteed minimum income benefits, guaranteed ...
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L07cover
What should advisors do when baby boomers or other clients ask to change a beneficiary designation on a financial product?The impetus could include anything from ...
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L07friedman
Without question, employer-owned life insurance rules are top-of-mind for discussion in 2008.Here is the background: As a result of major companies buying insurance on low ...
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Researchers Find Confusion Lingers In U.S. Disability Market
The two-track nature of the U.S. private disability insurance system may be leading some workers to think they have more long-term disability coverage than they ...
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Investment Guarantees-Good Or Bad?
There seems to be almost a panicked rush to provide investment guarantees to non-insurance financial instruments.The selected investments to which guaranteed minimum income benefits, guaranteed ...
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An Urgent Reminder About Employer-Owned Life Insurance
Without question, employer-owned life insurance rules are top-of-mind for discussion in 2008.Here is the background: As a result of major companies buying insurance on low ...
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Why Immediate Annuity Sales Will Never Soar
For roughly a decade, pundits in the retirement financial industry have been predicting that sales of immediate (income) annuities, and annuitization of previously purchased deferred ...
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More And Faster: Life Insurers Accelerate Product Development
With new life insurance products and features coming out at a break-neck pace over the last several years, life insurers may have felt like they ...
News
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More Brokers And Advisors Are Looking To Roam, Study Finds
About 9% of brokers and advisors say they are likely to consider switching from their current employer to another firm in the next 12 months, ...
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Aetna Tallies Health Account Effects
Employers that offer optional health savings accounts and health reimbursement arrangements may avoid a total of about $500 in claims per member over 4 years.Researchers ...
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Industry Groups Pan DOL's Proposed Disclosure Regulations
Proposed regulations to enhance disclosures to beneficiaries of retirement and other benefit plans have drawn criticism from agents, brokers and the plans themselves as being ...
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High Court Rules That Individuals Can Sue 401(k) Plans Under ERISA
The Supreme Court ruled last week that individual participants in 401(k) retirement plans can sue under ERISA to recover their losses, stirring anxiety amongst insurers ...
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Plans For Reducing Medicare Costs
The head of the Centers for Medicare and Medicaid Services outlined the Bush administration's plans for helping to bring down costs to the system by ...
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NAIC Report Sees High Compliance On Producer Licensing Standards
A 3-month review of how states are complying with uniform producer licensing standards shows that 26 of 37 standards are in high compliance among the ...
Features
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When Boomers Go Bare
Trying to get by without health coverage could increase the risk that about 200 relatively high-income American baby boomers will die this year.That estimate is ...
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Senior Association Alliances Can Bring Risks As Well As Rewards
As of July 1, 2004, there were approximately 36.2 million people 65 and older in the United States. As the oldest baby boomers become senior ...
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Winning Individual Health Customers In An Online Market
Health care strategists predict that the individual health insurance market will generate more than $100 billion in premium growth over the next few years, rapidly ...
Advising Boomers
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Being On The Lip Of Retirement Can Be An Awkward Age
High-income boomers can be quite ambivalent about what they want to do once they retire, experts note. And boomer clients, who have been in the ...
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When Recommending A Rider, Don't Forget The Death Benefits
Often overlooked by advisors and boomer clients who are deciding whether to purchase an optional rider for a deferred variable annuity is the enhanced death ...
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Online Tool Helps Boomers Looking For Senior Facilities For Their Parents
Boomers investigating senior care facilities for their parents now can take advantage of an online tool that presents a spectrum of choices nationwide.A new service ...
Opinion
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L07editorsedge
It's beginning to look like we're caught in an unfolding nightmare. And what's making it worse is that no one seems to know how far ...
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Nightmare
It's beginning to look like we're caught in an unfolding nightmare. And what's making it worse is that no one seems to know how far ...
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Does Our Software Industry Need More Foreign Workers To Survive?
If you're a Baby Boomer like I am, you probably get at least one e-mail a week from someone who wants to remind you of ...
