business insurance

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  Small businesses offering employee benefits dips to new low

  By Warren S. Hersch  |  January 28, 2013

  LIMRA finds only 47 percent of small businesses in the U.S. offer benefits to their employees.

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  Selling life insurance far from home: Hiroshi Sasamoto of Japan

  By Warren S. Hersch  |  January 3, 2013

  Hiroshi Sasamoto, CFP, an executive vice president of the independent agency Nexus Company Limited, based in Japan, speaks with NUL Senior Editor Warren S. Hersch as part of the “Far from home” series.

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  Senators raise concerns about proposed capital standards for SIFIs

  By Arthur D. Postal  |  November 15, 2012

  The June proposal to implement the so-called “Basel III” standard would require banks and SIFI non-banks such as insurance companies to maintain “loss-absorbing capital” of at least 7 percent of risk-weighted assets.

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  Sharpening the focus on a dynamic year for LTCI

  By Charles K. Hirsch, CLU  |  November 1, 2012

  Three top-level advisors share what’s working for them in the current long-term care insurance market.

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  Chicken Little’s bookie

  By Louis S. Shuntich, J.D., LL.M., Jeffry Buttars  |  November 1, 2012

  Life insurance underwriters must apply guidelines to determine suitable coverage for clients. Here’s how producers can help them get it right.

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  Most Small Biz Owners Won’t Opt Out of Health Reform

  By Kathryn Mayer  |  February 24, 2012

  Rules that allow some small employers to avoid regulation under health reform are unlikely to have a major impact on the future cost of health insurance unless those rules are relaxed to allow more businesses to opt out.

• Indexed Universal Life: Looking Under the Hood

  By Glen A. Coral  |  January 26, 2011

  Indexed Universal Life policies provide clients the opportunity to indirectly participate in the growth of stock market indices without assuming volatile market risk.

• Sell the prospects right under your nose

  By Harry Phillips Jr.  |  January 17, 2011

  We don't sell enough people in one place of business. Taking stock of myself in an effort to improve my business showed this to be the most glaring error in my selling methods.