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  • Hurdling The Obstacles Of Social Security Disability
    Hurdling The Obstacles Of Social Security Disability

    How recent SSDI program changes alter the landscape for disability protection

    by Steve Perrigo

    Recent administrative changes to the Social Security Disability Insurance (SSDI) program could impose significant financial hardships both for individuals with disabilities and the long-term disability (LTD) insurance carriers that help protect their livelihoods.
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  • The Life Sale: Engaging With a Rare Creature In The Wild
    The Life Sale: Engaging With a Rare Creature In The Wild

    Connecting with insurance consumers in the financial wellbeing ecosystem

    by Chris Behling

    Life insurance consumers are elusive creatures. They are hard to find and even harder to engage. It’s unclear whether (A) there are less of them out there, (B) we are looking in the wrong places, or (C) we are using the wrong approaches to engage with them.
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  • Opening New Markets Through Collaboration
    Opening New Markets Through Collaboration

    Today’s advisor partnerships look to open new opportunities by leveraging key skills

    by Tiffany Markarian

    Most advisers are familiar with the term joint-work. Joint-work is a historical term for mentoring new associates or increasing a skill set. Each adviser fosters their own client base but may collaborate together for learning or to bring additional resources to clients.
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  • Who is your client?
    Who is your client?

    Building your planning-conversations around the family tree

    by Herbert K. Daroff, J.D., CFP, AEP

    When working with a married couple, is the higher income earning spouse your client, and the other spouse simply referred to as “the client’s spouse”? I hope not! That’s the way it was when I started in this business 40 plus years ago.I define “my client” as the family tree. Usually, at least three generations.
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  • Data & Privacy in 2019
    Data & Privacy in 2019

    What can you do to protect yourself from the lunatic who is savvier than you, and how to reap the benefits of data gathering

    by Jason T. Andrew

    Everyone is talking about data. It seems like every click we make and every call we take gives away more data about our daily habits and preferences. So naturally, any conversation about data leads to concerns about privacy.
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  • Advisory In The Age Of Technology, Privacy & Digital Access
    Advisory In The Age Of Technology, Privacy & Digital Access

    Adapting to the emerging trends in financial services

    by Ross Vanderwolf, CFP

    Regulations, product offerings and digitization continue to drive a long period of industry fluctuation. In our fast-paced profession, industry developments challenge us each and every day to regularly adapt and enhance our skills to provide exceptional client service.
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  • A Conversation With Joe Gaynor
    A Conversation With Joe Gaynor

    The ABCs of RMDs

    by P.E. Kelley

    Many investors who turned 70½ last year may have missed the December 31 deadline to take their first required minimum distribution (RMD) from a retirement account like an IRA or 401(k). Fortunately, the IRS gives some extra time to those taking their first RMD...
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  • Underwriting Retirement Volatility
    Underwriting Retirement Volatility

    How annuities can be the cure for an uncertain economic forecast

    by Chris Conklin

    Forecasting the economy is often a guessing game, likely more difficult than forecasting the weather. But one thing is clear: We’re entering uncertain times.
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  • Easing Financial Stress with Employee Benefits
    Easing Financial Stress with Employee Benefits

    How employers can help employees achieve financial peace of mind

    by Dick Mucci

    The cliché is that money doesn’t buy happiness, but it certainly can cause stress. More than half of Americans say that financial stress had a negative impact on their life in 2018.
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  • How Attract & Retain Strategy Can Open the Benefits Conversation
    How Attract & Retain Strategy Can Open the Benefits Conversation

    11 Facts to motivate your clients about worksite ancillary coverages

    by Brian Vestergaard

    Thanks to an historically low unemployment rate, employers are eyeing the latest and greatest in employee benefits to attract and retain top talent. They want benefits packages that are just as diverse as today’s workforce in order to appeal to a wide range of employees.
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  • The Future of US Health Insurance
    The Future of US Health Insurance

    Instead of reinventing the wheel, why not look to what has already worked?

    by Eric Wilson

    Since before the Affordable Care Act was signed into law in March of 2010, there have been talks about the United States moving towards a Medicare for all program, or a single payer system, or a government run health care system or Socialized medicine.
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  • How a DUI Affects Your Ability To Get Life Insurance
    How a DUI Affects Your Ability To Get Life Insurance

    The blood-level is always the bottom line determinant

    by Gary Baker

    Occasionally, I get an applicant who has had a DUI or DWI in the past and needs life insurance. How does a DUI affect your ability to get life insurance? It affects your offer, which negatively impacts your premium.Will I be declined because of my DUI?
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  • Healthier and Happier
    Healthier and Happier

    How to help your clients boost the bottom line with wellness programs

    by Pam Jenkins

    Deadlines. Conflicting priorities. Difficult co-workers. I think we can agree there’s plenty of potential for a little stress in the workplace. What you might not realize is how many people are showing up at work already significantly stressed out – and it’s costing your clients millions of dollars.
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