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  • Lifetime Income: Building Confidence From Uncertainty
    Lifetime Income: Building Confidence From Uncertainty

    Helping clients understand what it is, its benefits and where to get it

    by Patrick C. Rowan

    There is no doubt that preparing for retirement can be tricky. A recent study by TIAA found only 27 percent of Americans are highly confident they will never run out of money in retirement, leaving the majority (73 percent) worried about how they will make ends meet in retirement.
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  • Accumulation: Safe & Secure
    Accumulation: Safe & Secure

    Assessing the potential impact of the SECURE Act on annuity sales

    by Rich Lane

    Rarely does a piece of national legislation significantly improve the availability of annuities to consumers, but that is what has occurred with the SECURE Act. Though it hasn’t yet been enacted into law, advisors should examine how the proposed legislation would affect annuity sales, while also being prepared to respond to changes should the bill…
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  • A Conversation With Jim Poolman
    A Conversation With Jim Poolman

    Getting In The Game

    by P.E. Kelley

    The longevity-risk may be a familiar concept to most of us in the industry, but for many pre-retirees and, sadly, new retirees, its stark reality is suddenly becoming crystal clear. There may be a high probability of ‘running out of money before you run out of breath.’
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  • Keeping Wealth in the Family
    Keeping Wealth in the Family

    Bringing clients’ adult children into the estate planning discussion to strengthen and build new relationships

    by Robert “Logan” Waters

    You may have heard these industry insights before: 10,000 baby boomers retire every day in the United States. $30 trillion in assets are expected to pass from boomers to their heirs over the next four decades. 66% of adult children change advisors upon inheriting their parents’ wealth.
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  • Great Expectations
    Great Expectations

    Closing the Gap Between Client & Advisor Priorities

    by Tamiko Toland

    There’s a big gap between advisor and client expectations around critical planning objectives. Research we conducted earlier this year highlights differences between what advisors believe clients want from them and clients’ expectation of their advisors.
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  • Data And Disruption In the Digital Age
    Data And Disruption In the Digital Age

    How the life insurance industry must leverage technology to enhance the consumer experience

    by Greg Driscoll

    Looking back on 2019, a couple of observations come into sharp focus. I believe the most significant developments in the life insurance industry during the past year have been the creation of more appealing digital experiences and the utilization of data to perform predictive analytics.
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  • The Whole Story Of ‘Financial Security Insurance’
    The Whole Story Of ‘Financial Security Insurance’

    How a stalwart product continues to survive to the test of time

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

    In a world of economic (tariffs, etc.) and political (Brexit, etc.) turmoil, including changes in income taxes and estate taxes, an urgent question to pose to your clients is: what is going to happen to your children’s (or grandchildren’s) education funds, your business, your retirement savings?
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  • Five Must-Have Client Conversations on the Missing Link 
    Five Must-Have Client Conversations on the Missing Link 

    Ways to connect with your clients on adding some “life” to their portfolio

    by Andy Bucklee

    Approximately 37.5 million U.S. households currently have no life insurance coverage, and nearly half of all households are underinsured, putting them at risk of not being able replace their income and missing out on an extremely powerful asset that should be part of a well-rounded financial portfolio.
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  • LTCi: Bringing It All Back Home
    LTCi: Bringing It All Back Home

    Rising demand for in-home care driving up cost of long term care

    by Gordon Saunders

    My earliest recollection of the cost of long term care was in the early eighties when I was a teenager. I remember my parents being in shock by the costs and trying to work out with their siblings how to fund the nursing home expense for both of my grandmothers while balancing their own financial…
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  • The Race To Zero & The Rise Of Client Uncertainty
    The Race To Zero & The Rise Of Client Uncertainty

    Top five takeaways for RIAs and fee-based advisors

    by Craig Hawley

    Looking back, 2019 has been another year where uncertainty was on the rise and mixed signals prevailed. Markets hit record highs and interest rates were slashed to new lows—but confidence wavered as volatility persisted with a vengeance. Lawmakers at home and abroad continued to dominate the headlines, impacting portfolios and raising concerns of advisors and…
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  • Managing Obligations
    Managing Obligations

    5 Truths, 5 Years Later About Pension Risk Transfer

    by Andrew Wilkinson

    According to Milliman, the number of pension plans offering defined benefits in the United States plummeted by about 73% from 1986 to 2016, and in a recent column on the topic USA Today bluntly opined that American businesses think of pensions as “swiftly becoming a thing of the past.”
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  • Can Life Insurance Claims Be Denied for Drug Overdose?
    Can Life Insurance Claims Be Denied for Drug Overdose?

    Language is key: Insurers often have differing definitions of 'accidental'

    by Veronica Baxter

    The short answer is, it depends on whether an exclusion applies, whether the overdose falls within the definition of “accidental” death in the policy and under state law, and, believe it or not, what type of drugs are involved.
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  • Successful Leadership During Change and Uncertainty
    Successful Leadership During Change and Uncertainty

    The true test comes when you can adapt and thrive in any environment

    by Brad Wolff

    Successful leadership requires navigating your organization through periods of change and uncertainty. Learn how to do this well, and you can adapt and thrive in any environment.
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