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  • Getting Ahead Of The Curve At Work
    Getting Ahead Of The Curve At Work

    Helping employers address absence and disability

    by Jung Ryu

    No employer wants to be behind the curve when it comes to providing for its employees. But when business is strong and employees are busy, employers can be lulled into a sense of false security, confident that their operations are running smoothly.
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  • Leveraging Home Equity Against The Longevity Risk
    Leveraging Home Equity Against The Longevity Risk

    Four underutilized strategies to help build wealth

    by Don Graves, RICP, CLTC, CSA

    With the current retirement income crisis facing baby boomers, advisors need every viable resource to help their clients and sustain their practice. Reverse mortgages have become one such resource. Historically, the financial services community has either dismissed the reverse mortgage or relegated it to use as a last resort. However, much has changed in the…
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  • Obeying The Law of Connection
    Obeying The Law of Connection

    Trust often begins with an emotional attachment

    by Scott Hogle

    In any government, society, or industry, there are invisible laws reflecting customs and cultural nuances that govern successful dealings between people and businesses. Knowing these laws, how to leverage them with integrity, and exercise them intentionally, can mean the difference between success and failure.  It is the same in the field of selling financial services.
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  • The Millennial Monolith
    The Millennial Monolith

    How a generation’s ‘digital literacy’ can guide advisors to create viable benefits solutions

    By Hector De La Torre

    Though Millennials face many of the same workplace challenges that older generations encountered early in their careers, their digital literacy has equipped them with the ability to efficiently navigate, research, and collaborate to accomplish tasks and access information.
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  • A Conversation With Neil Sprackling
    A Conversation With Neil Sprackling

    Next-Gen Underwriting

    by P.E.Kelley

    There was a time in the very early days of life-insurance underwriting, somewhere in the 1700s, when the only useful and predictive piece of data was age. And it affected a simple equation: as the certainty of death approached year by year, so was risk duly assessed.
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  • Driving Voluntary Benefits Adoption With Both Hands On The Wheel
    Driving Voluntary Benefits Adoption With Both Hands On The Wheel

    How technology and innovation are paving the way to greater success in the group market

    by Leonard A. Cavallaro

    In the property and casualty insurance world, one of the more exciting developments is the swift advance toward driverless cars. In Silicon Valley and around the world, people who are paid to know attest that in a reasonable amount of time, much less than a generation, human drivers will likely be outlawed because of their…
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  • Utilizing A Client’s ‘Protective Asset’ To Manage And Stimulate Growth
    Utilizing A Client’s ‘Protective Asset’ To Manage And Stimulate Growth

    How whole life insurance can play an important role in a financial plan

    by John Budd

    A fundamental tenant of effective investment diversification is the selection of non-correlated assets within a portfolio. Assets such as large- and small-cap US stocks, international stocks, real estate, government and corporate bonds, precious metals, and other categories often perform differently from each other.  They rise in value at different rates while others may be falling.
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  • Long Term Care Enters The Mainstream
    Long Term Care Enters The Mainstream

    LTCi is meeting today’s worksite needs… Are you?

    by Brian Vestergaard

    Some familiar phrases caught my attention recently. I was at home with my family, who had the television on in the background, when I heard terms like, “caregiving options,” “aging in place” and “protect your family.” It turned out to be a commercial about long term care planning.
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  • What CEOs Don’t Know About Health Benefits is Hurting Them…
    What CEOs Don’t Know About Health Benefits is Hurting Them…

    …and the rest of America

    by Dave Chase

    The United States has always been thought of as the land of opportunity – that here, with enough hard work and dedication, you can build a life for yourself that was once only a figment of your imagination. However, the odds of anyone’s American Dream becoming reality have steadily decreased year over year...
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  • 
Using Data To Match Carriers With Customers
    
Using Data To Match Carriers With Customers

    Lessons from fintech applied to insuretech

    by Chris Chen

    I’ve seen this story before. Having worked in fintech since 2005, I witnessed the fintech wave forming, cresting, and eventually crashing into the financial ecosystem. If there is a fraternal twin to banking, it’s the insurance industry. Both industries are built on managing risk, capital, compliance, and distribution.
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  • High Levels of Stress Impacting Financial Advisors and Investors Personally and Professionally
    High Levels of Stress Impacting Financial Advisors and Investors Personally and Professionally

    What’s really causing it...and what can be done?

    A new study released by the Financial Planning Association® (FPA®), Janus Henderson Investors and Investopedia reveals that 71% of financial advisors and 57% of investors are currently experiencing an increase in moderate to high levels of negative stress compared to 12 months prior.
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  • Prescription Without Diagnosis is Malpractice
    Prescription Without Diagnosis is Malpractice

    Risk management is all about diversification, not only in asset allocation, but also in asset location

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

    I received this question the other day from one of our advisors (names changed to protect the clients, the advisor, and me). Abigail is working as a therapist, currently as a sole proprietor. I have the following questions regarding her practice: How should she structure her business?
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  • Inside The Conscience of Today’s New Investor
    Inside The Conscience of Today’s New Investor

    The growing interest in ESG investing means consumers are looking for more information on the topics that matter to them

    by Kelly LaVigne, JD

    Lately it seems everywhere we turn, we hear conversations, see media coverage, and read stories about what’s new with environmental, social and governance (ESG) investing.
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