National Underwriter Life & Health Magazine September 07, 2009
Cover Story
Life Sales In A Down Economy
The recession-related decline in life insurance sales is disturbing, but not necessarily impossible to counteract
Focus
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Life/QLTC Combinations Pique Surprising Interest
As the January 1, 2010 effective date of the Pension Protection Act approaches, the growing interest in combination annuity/long term care policies comes as no surprise
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Selling In Current Market Conditions
It's a tough economy and life insurance professionals are asking lots of questions about selling in this climate. Here are my answers
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Is The Industry Selling The Right Term Products?
Why is term insurance so inexpensive even with the recent rate increases by many carriers? Because only in rare cases does the death benefit ever pay out
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Make The Challenging Economy A Springboard For Opportunity
Consumer spending is down significantly and that extends to life insurance
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A Good Time To Bone Up On Nonforfeiture, Other Policy Features
Especially in this "new economy," life insurance professionals need to be very familiar with nonforfeiture benefits and other policyholder-friendly features of life insurance products
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Income Term Insurance: It Pays Out Over Time
A few insurance companies are developing term life insurance products that will make periodic death benefit payments to the beneficiary upon death of the insured. At least two carriers already offer it
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The Key Is To Diversify Individual Life Sales
Historically, the economy has had little impact on individual life insurance sales. Good or bad, individual life insurance sales have fared pretty evenly
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The Question Of A Lifetime: "Got Life?"
This is a tough market. These are challenging times in which to sell, build, run or promote anything--no matter who you are
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Why Do We Always Seem To Buy High And Sell Low?
Whether it is life insurance or investments, our clients always want what may be working now rather than keeping their focus on the future. It's called the fear versus greed curve
News
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Congress Faces Full Plate Of Financial Issues
Obscured by the intense debate over the shape of healthcare reform legislation, congressmen returning to work Sept. 8 must also deal promptly with the future of the estate tax
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The 3 Estate Tax Bills On The Table
There are currently three main bills in Congress dealing with estate tax reform
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'Health Reform-Lite' Seen As Likely
Strong voter push-back over current proposals, cost concerns, the lack of political consensus and the death of Sen. Edward Kennedy, D-Mass., are likely to lead to Congress ultimately deciding
Features
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Genworth Study: LTC Recipients Are Happier When They're Insured
Long term care recipients who are covered by insurance are generally happier with their LTC providers than are those who pay for the care out of their own pocket or by other means, a new survey finds
Opinion
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Fool's Gold
The headline above describes how I feel about the glimmers of "evidence" being put forth by some economists and commentators that the Great Recession is starting to wind down and could be history by year-end
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Tweak The Tweaks
Tweaking products sounds so innocent
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Dear Mr. President...
I am writing in response to your request for "fishy" information on healthcare
