National Underwriter Life & Health Magazine October 2012
Features
Two men enter, one man leaves
What’s really at stake for the life/health industry in next month’s elections?
Features
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Returning to a brick wall
Organizations that study return-to-work programs generally assume that employers are eager to get disability insurance claimants back on the job. But is that always the case?
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BYOC: Bring Your Own Coverage
The Patient Protection and Affordable Care Act might create a benefits world in which typical employers pay penalties and send employees streaming into government and private exchanges to buy individual health insurance.
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Mind the Gap
The width and depth of the protection Gap is clearly a double-edged sword for insurance companies as well as the agents who sell their products.
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An Uneasy Eye to the Future
Robert Miller, now the immediate past president of the National Association of Insurance and Financial Advisors, provided an exclusive interview to National Underwriter Senior Editor Warren S. Hersch
News
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GAO clamors for more disclosure from FSOC
The agency created to ensure that risks to the stability of the U.S. financial system are quickly identified and dealt with needs greater transparency to do its job correctly, the Government Accountability Office (GAO) said in a new study.
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MLR bill passes House Energy & Commerce Committee
Legislation that would exempt agent commissions from the medical loss ratio (MLR) calculation mandated under the health care reform law passed a House committee on September 20.
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Under shadow of Volcker Rule, AIG looks to sell thrift
American International Group plans to sell its savings and loan out of concerns around restrictions imposed by the so-called Volcker rule, not federal regulation.
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Why is the Federal Risk Pool Program so costly?
One of the most popular components of the Patient Protection and Affordable Care Act — a special health insurance program for people with health problems — has had trouble providing coverage that sick people can afford in a sustainable way.
Opinion
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Standing together
Warnings by key industry officials of an Armageddon for the life industry through coming talks over restraining out-of-control budget deficits masks certain realities the industry obviously doesn’t want to accept.
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It should be bought, not sold
Life Insurance Awareness Month (LIAM) is over and I have to wonder about its effectiveness. Those of us involved in the industry undoubtedly knew that that there was an awareness campaign going on but what about Tim, the bartender at a local establishment, who I know from conversations holds no...
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Babymaking
A recent study by Professors Chris M. Herbst of Arizona State University and John Ifcher of Santa Clara University suggests that people who have children are happier than those who do not have children. The idea wasn’t so much that people who have kids are necessarily made more happy by...
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Unintended consequences
The U.S. Supreme Court decision earlier this year upholding the 2010 Patient Protection and Affordable Care Act (PPACA) will likely not be the final battle over health care reform.
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In Passing: Sean “Vile Rat” Smith (1978-2012)
It has been said that the Internet is rapidly turning us into a species of loners, confined to our computers, wasting time with strangers online while falling out of touch with the people right next to us. If such criticism ever held water, it surely no longer does so after...
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Australia
The United States is struggling to replace (or avoid replacing) a hodgepodge of state health insurance laws and programs with a somewhat more standardized system based on the Patient Protection and Affordable Care Act of 2010 (PPACA).
Special Features
2013 Outlook As we move into a transition year, check out LifeHealthPro's conjectures for the life, annuities, health and disability markets.
100 Best Sales & Marketing Ideas Whether you want ideas for referrals, generating leads or just listening to your clients better, we have the sales and marketing tips you need.
The Complete ELNY Saga For more than two decades, the Executive Life Insurance Company of New York (ELNY) has been bled for billions of dollars while languishing in a state-imposed purgatory.
Life Insurance A-Z This alphabetical-themed infographic will help your clients feel more comfortable discussing life insurance protection concepts.
2012 Advisor of the Year Through a very thorough nomination process we look to find a top producer who is a true cornerstone of a community.
Senior Survey 2011 In this special section, find out how seniors build their nest egg, make an estate plan, finance their health care and where they live.
