National Underwriter Life & Health Magazine November 02, 2009
Cover Story
Bringing In New Clients From Referrals
Imagine that you're the prospect and the advisor tells you this: "Mr. Client, I'm compensated in two ways.
Cover Story
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Showing Problem Clients The Door
"Mr. Jones, I regret to have to tell you this, but...we have to go our separate ways. That's right. After reevaluating our relationship, I've decided that we're not cut out for each other.
Focus
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At Need Impaired Risk Annuity: A Little Known Solution
A growing number of families are confronting an extremely vexing problem for which there is an excellent and elegant insurance solution--a special type of annuity.
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Life Insurers Actively Seeking Certain Impaired Risks
The impaired risk life insurance business continues to evolve from its early days, to the point that many carriers today actually seek out applicants with certain impairments.
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Cigarette Smoking: Time To Upgrade The Underwriting
Since the life insurance industry started underwriting cigarette use some 30 years ago.
News
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Agents Get Safe Harbor On Proposed Fiduciary Standard
Insurance agents won a safe harbor on the sale of their limited array of investment products last Wednesday in legislation being marked up by the House Financial Services Committee.
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Life Carrier Selection: A New Approach
Most investment managers have a well articulated methodology for why they recommend a particular stock, bond, or fund out of the universe of offerings.
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Life Insurance As A Charitable Giving Tool Is More Attractive than Ever
In light of the financial meltdown, it is a good time to talk to the (still) wealthy about using life insurance as a financial tool for giving to charity.
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Low Interest Rates and Depressed Asset Valuations = Opportunities
Today's economic environment presents unique estate planning opportunities for high-net-worth clients to consider with their trusted tax and legal advisors.
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Voluntary Benefits Producers Can Conquer Employer Objections
You might take it for granted that human resources professionals and business owners understand the need for voluntary insurance benefits.
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Improved Mental Screening Can Cut Claim Costs
Dementia-related claims costs continue to present the single largest claim liability to long term care carriers.
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Rollover Prescription For Your Practice: Become A 401(k) Doctor
In today's economy, the road to retirement is more like the road to recovery.
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Estate Tax Extension Seen By Year-End, But Not Permanent Fix
Association for Advanced Life Underwriting officials believe that before Congress recesses it will extend the 2009 estate tax levels for another year, but won't deal with permanent reform until next year.
Opinion
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Cojones For Rent?
Here we are in November already, well past the first-year anniversary of the Panic of 2008, and any heat, not to mention action, on financial reform has been reduced to a slow saut? from a flame more suited to stir-fry.
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The Money Is Starting To Move
How long will customers be willing to put money into fixed annuities rather than variable annuities or securities?
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Volunteerism--A Growth Opportunity
According to several recent studies, volunteerism continues to decline in popularity.
