Retirement Income / Annuities

  • How to Keep Your Employees Satisfied…
    How to Keep Your Employees Satisfied…

    Start with a Strong Retirement Plan

    With the unemployment rate at its lowest level in 50 years, competition for strong employees is high and employers are looking for ways to attract and retain good workers. New LIMRA Secure Retirement Institute (LIMRA SRI) research suggests that “satisfied” employees are more likely to feel positive about their employer, their employer-sponsored retirement benefits, and…
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  • The Fifth Circuit Court Hears Arguments on the Future of the ACA
    The Fifth Circuit Court Hears Arguments on the Future of the ACA

    Three federal judges will decide whether the ACA’s individual mandate to have health coverage is “inseverable” from the rest of the health care law

    by Timothy S. Jost, writing for the Commonwealth Fund. Reprinted with permission. Visit here.

    The future of the Affordable Care Act (ACA), the millions of Americans who depend on it, and, frankly, the American health care system, every part of which is touched by the ACA, were on the line in a federal courthouse in New Orleans on Tuesday. The Fifth Circuit United States Court of Appeals heard 106…
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  • Marketing, Mick Jagger And The Continued Misperception Of Financial Products
    Marketing, Mick Jagger And The Continued Misperception Of Financial Products

    NAFA's Call To Arms In Defense Of The Annuity

    On July 9, NAFA submitted the following letter to the editor of Forbes Magazine regarding the article published by James Lange on July, 2. The article "The Most Unlikely Insurance Salesman: Meet the Rolling Stones" can be found HERE.
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  • The State Of Student Debt
    The State Of Student Debt

    After mortgages, it makes up the largest component of all household debt in America

    As the 2020 presidential election draws nearer, one of the hot-button issues for candidates is student debt. Some democratic contenders, such as Bernie Sanders and Elizabeth Warren, support the cancellation of debts. Other candidates have offered plans including refinancing options, higher grants and free community college education.
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  • Americans on Edge As Market Continues Volatile Trajectory
    Americans on Edge As Market Continues Volatile Trajectory

    Study: They increasingly fear big market drops and want to protect retirement savings

    Market volatility in the second quarter of 2019 has Americans increasingly worried about their finances and retirement savings, according to the latest Allianz Quarterly Market Perceptions Study.
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  • The State Of Wealth: High Net Worth Takes A Dip
    The State Of Wealth: High Net Worth Takes A Dip

    With a loss of $2 trillion, high-net-worth individual wealth declines after seven years of growth

    The World Wealth Report 2019 (WWR), published today by Capgemini, found that after seven years of continuous growth, overall global high net worth individual (HNWI) wealth declined by 3% in 2018. Largely due to a drop in wealth in the Asia-Pacific region (specifically China), this decline has resulted in a loss of 2 trillion USD…
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  • Every Generation Agrees: Humans Are A Top Source Of Benefits
    Every Generation Agrees: Humans Are A Top Source Of Benefits

    And yet, just 11% of employees depend on internet for valuable benefits information

    A new Colonial Life survey finds Baby Boomers, Gen Xers, Millennials and Gen Zers can all agree on one thing: Humans are best source of benefits information. 
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  • Income Protection: More A Service Than A Product
    Income Protection: More A Service Than A Product

    Insurers need to adapt their income protection products to meet customer need

    by Tom Murray

    Income protection has always been the Cinderella of the protection product family – always left at home when the others go to the ball. And yet, income protection is one of the most useful protection products, providing a level of income that enables households to keep going when the wage-earner has been diagnosed as unfit…
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  • Americans Are “Somewhat Confident” That They’ll Have Enough Money to Comfortably Retire
    Americans Are “Somewhat Confident” That They’ll Have Enough Money to Comfortably Retire

    Study: So, just how comfortable are we?

    A new survey of 1,700 Americans between the ages 25 and 65+ examines their confidence levels with regards to having enough money for a comfortable life during retirement, with some fascinating and shocking results. The study was commissioned by Gold IRA Guide, a renowned online magazine covering alternative investments for IRA a
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  • For Retirees: Frugality and ’99 Ways To Save’
    For Retirees: Frugality and ’99 Ways To Save’

    Including the most useful mobile-phone apps and digital services to help people save

    One of AARP's most popular content franchises, "99 Great Ways to Save," is back for its 10th consecutive year. The 2019 collection features 50 of the "best of the best" ideas from years past, freshly updated for these changing times.
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  • Should You Take Social Security at 62?
    Should You Take Social Security at 62?

    If you can wait a few years or longer, you can boost your benefits—and your spouse's

    When it comes to Social Security, it can be tempting to take the money and run as soon as you're eligible—typically at age 62. After all, you've likely been paying into the system for all of your working life, and you're ready to receive your benefits. Plus, guaranteed monthly income is nice to have.
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  • Are Life/Annuity Insurers Prepared to Weather Another Economic Downturn?
    Are Life/Annuity Insurers Prepared to Weather Another Economic Downturn?

    While precursors to the 2008 crisis are repeating agin today, industry may be more resilient

    Although many precursors to the 2008-2009 financial crisis are repeating today, AM Best believes the life/annuity (L/A) industry is much more resilient than a decade ago and well-positioned to navigate future challenges. Still, many of AM Best’s concerns in the run-up to the financial crisis exist today, and a new special report looks at how…
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  • Worried About Market Volatility in Retirement? Consider Whole Life Insurance
    Worried About Market Volatility in Retirement? Consider Whole Life Insurance

    Cash value can help protect against risk from market downturns

    Not having enough assets to generate income in retirement or losing assets because of market downturns are common concerns of those preparing for retirement, but whole life insurance as part of a solid retirement strategy can do more to alleviate those issues than many people might think, a recent report shows.
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