National Underwriter Life & Health Magazine November 16, 2009
Cover Story
Health Reform Faces Tough Path In Senate, Despite House Vote
Whether health care reform legislation should include a public option--an option opposed by the insurance industry--remains a critical stumbling block as the debate on the legislation moves to the Senate floor in the near future.
Focus
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Rebutting Senseless Views On Index Annuities
Index annuities, like all the tools in an advisor's tool box, are neither good nor bad; they are merely one tool among many, which--when properly used--can solve a myriad of problems for older baby boomer clients.
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Using SUL To Lengthen A Boomer's Legacy
Many boomer business owners are going to be looking to plan their exit strategies in the short years ahead. With careful analysis and evaluation, a well-planned strategy can help ensure they leave a legacy for their families and communities.
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The New Investing Realism
In the year since the market crash of October 2008, many high-net-worth investors--many of them baby boomers--have undergone a revolutionary change in perspective.
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Why Boomer Retirees Should Consider TIPS
Before the financial crisis began two years ago, certain "truths" were held as undeniable--for instance, that Modern Portfolio Theory works; asset allocation and buy-and-hold with rebalancing works; and equities outperform inflation.
News
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Dodd Bill Imposes Fiduciary Standard
Congressional committees have proposed changes in suitability standards that, if sustained, could pose a crippling blow to life insurance agents who sell a limited number of investment products.
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UL Death Benefit Guarantee: What's Right For The Client?
What kind of death benefit guarantee period is right for the client? That question comes up after advisor and client have decided that universal life best suits the financial security need.
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Employees Embrace Health Savings Accounts
While it is still too early to tell what the outcome of the health care reform debate in Washington will be, new research provides additional motivation for brokers to continue recommending health savings accounts to their clients.
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Full Disclosure Variable Life Report
A perceived difficulty in comparing variable products is deciding what a reasonable assumed illustrated return on your investment should be.
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Calling In A Disability Expert
Imagine yourself going into a battle with a firecracker as your chief weapon and being confronted by an opponent with a hydrogen bomb at their disposal.
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Keeping The Kids Smiling
One of the good deeds insurers and benefits advisors can do this challenging year is to speak up for children's teeth.
Opinion
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A Christmas Carol
Yes, Virginia, there is a Santa Claus. But no, it's not likely that even the great man is going to be able to bring health care reform legislation to President Obama's desk by Christmas.
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Take Pride In What We Do
One of the things that has always puzzled me is why so many people engaged in selling avoid using the label "salesperson" in describing their occupation or profession.
