Welcome to LIFE&Health Advisor
LIFE&Health Advisor – Access, Exposure & Market Visibility for financial services, investment and retirement income planning.
Making the case for LTCi
by Joseph Catalano
I don't think that many of us were sorry to see 2009 end, with its market turbulence and record unemployment. Staggering 401k losses made for an uncertain future and left all of us feeling jittery. But as bad as the year may have been, it did lay the groundwork for what is sure to be strong growth in the long term care (LTC) insurance market.
Retirement income uncertainty reaffirms advisors' vital role
by John Diehl
There is no doubt that many people, after watching their retirement savings erode by as much as 50 percent after the market meltdown, have been left disillusioned. A survey of 750 people ages 45 and older found that the number one financial concern in retirement, simply meeting day-to-day expenses, now dominates all other concerns about retirement readiness.
The Pulse of America:
What we think about life insurance
by Rich Brugger
Many consumers have been hit where it hurts the most, their wallets. They've lost value in their homes, retirement accounts and equity portfolios. Now they are forced to do more with less. A 2009 survey by Prudential Life showed 70 percent of consumers surveyed have cut back on routine expenditures like dining out, shopping or going to coffee shops and 32 percent have had to dip into savings in order to pay routine bills. Many are trying to replenish their savings.The financial crisis has affected consumers financially and emotionally.
Timing is everything with SS benefits
by Paul Silva, CLU, ChFC
Sometimes the most obvious way to improve your business is too obvious. Think of all the potential and existing clients who don't know how to figure out when the best time is to start collecting Social Security benefits. The opportunities are all around us. Maybe we don't take advantage because we think the problem doesn't really bother any one. Perhaps we learned about how Social Security works so long ago that it has stopped being interesting. Even if you do know all about it, do your prospects?
PROFILE: Mike Fanning
by Carolyn S. Ellis
Mike Fanning serves as Executive Vice President for MassMutual's U.S. Insurance Group, which includes the distribution, marketing, product management, finance, compliance, systems applications and
operations for all MassMutual insurance products sold in the U.S.; life insurance (individual and group), disability income (DI), and long term care (LTC). We spoke with Mike about how life insurance is meeting the needs of consumers in today's economy and about MassMutual's model for building a field force for the 21st century.
Noteworthy
Life insurance industry profitable in 2009 despite ongoing capital challenges
Friends, family trump advisors, media and web for financial advice
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February 2010
- Making the case for LTCi
by Joseph Catalano - Retirement income uncertainity reaffirms advisors' vital role
by John Diehl - LTCI and the longevity challenge
by Nancy P. Morith, CLU, CASL - Americans lack realistic LTC plan
by Debra Newman, CLU, ChFC, LTCP - The pulse of America: What we think about life insurance
by Rich Brugger - How to keep your impaired risk cases moving forward
by Allan D. Gersten, CLU, CFP, ChFC - Timing is everything with SS benefits
by Rich Brugger - Page 3 Profile: Mike Fanning by Carolyn S. Ellis
January 2010
- Retirement Redefined
by Wright Edler - Behavioral Finance: The Logic of Emotions
by Joseph W. Jordan - Stand Alone Living Benefits emerge
by Tamiko Tolland - In Search of Safety: As Americans re-think their investment strategies, new annuity designs build in stronger guarantees
by Gary C. Bhojwani - Saving for retirement just got easier
by E. Thomas Foster Jr. - 'RMDs' and the '70½ Tax Trap'
by David G. Freitag, CLU, ChFC, CRPC - Jobs: Is Congress overlooking a crucial key to recovery?
by Steve Selengut - Page 3 Profile: Brian Heapps by Carolyn S. Ellis