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  • Generational Transitions Generational Transitions

    The rise of the new life insurance customer

    by Denise Garth

    Today is May 1, 2025. You’re an advisor. Imagine your day. It may be tough to do. When it comes to trying to predict what advising will look like a few years from now, about all anyone can say is that “past performance is not an indicator of future results.” read more
  • Life Insurance? Glad You Asked Life Insurance? Glad You Asked

    Five most-important things every advisor should know

    by Dick Weber, MBA, CLU, AEP (Distinguished)

    We often learn about money and finances from our parents, but absent a formal education on how the economy works and how to find our place in that economy, a person’s financial knowledge is largely hit-or-miss. read more
  • The Illustrated Plan The Illustrated Plan

    Making life insurance easier to understand

    by Chris Kite

    A recent study asked consumers to rate the importance of various factors when purchasing life insurance. Having a product that is “easy to understand” received top ranking. read more
  • Women’s Worth Women’s Worth

    Financial confidence starts with a solid plan

    Women often find themselves assuming the role of primary caretaker for their families – ensuring the well-being of everyone else in their lives. It is important for them to also take care of themselves by prioritizing their own financial wellbeing. read more
  • Bridging the Millennial ‘Advice Gap’ for Retirement Bridging the Millennial ‘Advice Gap’ for Retirement

    Advisors urged to take multi-layered approach, including guidance, education, managed account strategies

    by E. Thomas Foster, Jr.

    The 2008 financial crisis was a watershed event that left many people with psychic scars, especially when it comes to money and investing. read more
  • Managing Income Adequacy: Back to the Future? Managing Income Adequacy: Back to the Future?

    With a retirement security crisis at hand, look to pensions for a solution

    by Bailey Childers

    In the 1970s, corporations looking for a new tax-advantaged benefit for their highly-paid executives pushed for the creation of the 401(k). This new tool allowed members of the c-suite to put aside money for retirement pre-tax. read more
  • A Conversation with Aimee Johnson A Conversation with Aimee Johnson

    Divorce,  And Other Disruptors

    by P.E. Kelley

    Divorce,  And Other Disruptors by P.E. Kelley Mr. Kelley is managing editor of this magazine. Connect with him by e-mail: pkelley@lifehealth.com. Aimee Johnson is Advanced Markets Manager for Allianz Life Insurance Company of North America (Allianz Life®), and manages the company’s Women’s Market program. As part of our series on late-in-life planning scenarios, ... read more
  • The Most Important Form Investors Have Never Heard Of The Most Important Form Investors Have Never Heard Of

    How an obscure proposal from the Department of Labor could make it easier to give solid advice to retirement savers

    by Aron Szapiro

    The Form 5500 Annual Return/Report of Employee Benefit Plan sounds unexciting, at best. Few financial advisors working with clients in 401(k) plans are going to review the voluminous filing. read more
  • Cost Conundrums and Conscientious Consumers Cost Conundrums and Conscientious Consumers

    High Deductible Health Plans require a ramp up in benefits communication in order to achieve positive effects

    by Karen White

    The thinking behind high deductible health plans (HDHPs) is that individuals who are responsible for paying a portion of the bill will be more conscientious consumers – choosing the less expensive MRI, asking doctors if certain tests are really necessary, using emergency services only for true emergencies – thus encouraging cost and quality competition among healthcare providers, driving lower prices. read more
  • Bankruptcy – A Love Story Bankruptcy – A Love Story

    A cautionary tale from the dark side of marriage highlights the need for financial-wedding-vows and the wisdom of expressed family-finances

    by Janet Lombardi

    The cascading wedding dress. The engraved invitations. The “his and her” wedding bands. All beautiful elements leading up to the most special of days: your wedding. read more
  • Why Are There No Drones in Life Insurance? Why Are There No Drones in Life Insurance?

    For technological adoption in this industry, 34 of the past 35 years have been relatively quiet…

    By Tom Scales

    As an analyst, I have the opportunity to spend time with and talk to a wide range of people in the insurance industry. I regularly speak to carriers and vendors in the space and also get the opportunity to learn from agents selling in the space. It is a wonderful role, as I get an outside, and inside, view of the entire industry. read more
  • Thanks for Asking – But I Have Group Disability Thanks for Asking – But I Have Group Disability

    Debunking the myths of adequate income-protection

    by Dick Weber, MBA, CLU, AEP (Distinguished)

    After a 50-year career in the life, disability, long term care and annuity business, I thought I’d heard all the excuses. My favorite objection for buying disability coverage was, “It won’t happen to me.” I can deal with that. read more
  • Women & Life Insurance Women & Life Insurance

    Why advisors should focus on this important client subset

    by Caroline McKay, JD

    Women today are more highly educated and financially empowered than ever before, but evidence suggests that their financial planning needs are not being met. read more