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  • Selling It
    Selling It

    Is there a new role for the erstwhile life agent?

    by Bob Gaydos

    HR personnel in the insurance industry struggle to motivate and retain employees more now than ever. Around 90% of HR leaders are increasingly concerned about employee turnover and the resulting understaffing. After all, nearly nine out of ten insurance agents quit within the first year.
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  • Is Machine Learning Ready For The Big Leagues?
    Is Machine Learning Ready For The Big Leagues?

    How Legal & General is stepping up to the plate in the life sector

    by Fred Tavan

    The insurance industry has been humming along nicely with a system that works and is well-understood, if at times a bit clunky, analog and cumbersome. While spending some time in the Property & Casualty league, machine learning is beginning to step up to the plate more frequently in the life insurance sector… and making quite…
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  • The “Long Term Capital Gain” Retirement Trap
    The “Long Term Capital Gain” Retirement Trap

    Restructuring portfolios with income in mind

    by Steve Selengut

    Over the past six months, I've had at least a dozen conversations with consulting clients and CEF group members concerning the bind they are in trying to restructure their portfolios toward income production.
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  • Medicare Madness: Prescription Drug Plans, Pricing And Penalties
    Medicare Madness: Prescription Drug Plans, Pricing And Penalties

    Modern medicine’s magic often comes with a steep price

    by Marcia Mantell, RMA®

    The vast majority of Americans over age 65 have one or more chronic health problems. Twenty-four percent have one chronic condition and a whopping 63.7% have two or more.
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  • Back To School
    Back To School

    Weathering the college-tuition perfect storm

    by Angie O’Leary

    College costs are top of mind right now, as students have settled into their work on campus and President Joe Biden’s recent announcement of the cancellation of up to $10,000 in federal student loan debt (up to $20,000 for recipients of Pell Grants) for borrowers making less than $125,000 annually and couples earning less than…
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  • Measuring Debt’s Drag On Income Accumulation
    Measuring Debt’s Drag On Income Accumulation

    New considerations on Biden's student loan relief plan

    by Lyle Solomon

    Debt can make it harder for your clients to live off the income sources you’ve helped them plan. Debt payments cut into the money they get from Social Security, an IRA, or other investments that they really need to live their best lives. 
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  • Retirement Income Planning The Government Will Pay Your Clients To Make
    Retirement Income Planning The Government Will Pay Your Clients To Make

    It’s true, the Fed wants you to retire well

    Growing up, I watched my dad work. He started a printing company with his father and his brother, and my mother, siblings and I all worked in the business. He loved the business, but I think he loved the act of working even more.
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  • Reshuffling Income Strategy
    Reshuffling Income Strategy

    As inflation withers their wallets, clients’ review their planning goals

    by Dylan Huang

    These days, the U.S. economy is leaving many Americans scratching their heads. In the wake of historic levels of inflation, all Americans are feeling the strain of higher prices, but retirees are often the most at risk.
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  • A Conversation With Mark Holweger 
    A Conversation With Mark Holweger 

    Life insurance & the emergence of the digital sale

    by P.E. Kelley

    There is an age old tenet of marketing that life insurance must necessarily be sold in a top-down setting, with an experienced agent guiding the process from start to finish, to ensure that the client doesn’t deviate from what has always been accepted as a proven way to seal the deal.
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  • The Unintended Consequences Of Student Debt
    The Unintended Consequences Of Student Debt

    New perspectives on a growing national crisis

    by Scott Winstead

    It's no secret that student debt is a huge problem in the United States. It's estimated that there is nearly $1.75 trillion in outstanding student loan debt among 44 million borrowers. And the average borrower owes $28.950.
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  • Insurtech Growing Pains
    Insurtech Growing Pains

    Instead of bypassing advisors, they should be empowering them!

    by Ryan Toner

    I’ve used the same insurance agent since college for my auto insurance. Every couple of years, he calls and announces: ‘We’re switching carriers; I’m sending you paperwork!’ I trust him, and the enrollment process is seamless for me. Consumers expect the same level of service and ease when it comes to all of their insurance…
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  • The Unsuspecting Life Insurance Customer: Generation Z
    The Unsuspecting Life Insurance Customer: Generation Z

    Don’t look now, but change to the status-quo is being pulled in multiple directions

    by Jennifer Torneden

    When you’re young, it is easy to feel like you don’t have to start planning for the future. But as GenZ graduates and steps into the real world, many don’t know that the best guidepost is the sooner the better when buying life insurance.
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  • In The Game Of Life (Insurance) One Size Does Not Fit All
    In The Game Of Life (Insurance) One Size Does Not Fit All

    The new era of ‘bionic advisors’

    by Farron Blanc

    The United States life insurance market is unique. While other countries have three to five national champions that own 70% of the market share, the U.S. has hundreds of life insurance carriers sharing the risk. This makes the consumer advice that insurance producers provide especially important, given the current inflationary environment.
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