- Causes of Mortality: Our Perceptions vs. Reality
Understanding health risks can help us feel empowered
Death, as the old adage goes, is one of only two certainties in life (the second being taxes). But when it comes to what actually kills us, are we really correct in our assumptions? As it turns out, no.
read more - Don’t Let These Six Reasons Hold You Back from Buying Life Insurance
What your clients may not realize about obtaining it
Are you like the majority of Americans who don't have life insurance, but also know that you should? Life insurance is probably something you're uncomfortable talking about, but it's far too important to put off.
read more - Understanding Worker Personality Types
Generation and gender are no longer the singularly defining characteristics of employment
LIMRA Secure Retirement Institute (SRI) has identified four distinct worker personalities based on how their workplace perceptions influence their experiences and mindsets. The four worker personalities are: Satisfied, Settled, Resigned and Restless.
read more - Life Insurance & The ‘Awareness Void’
New survey identifies growing demand to educate Americans on life insurance needs
A new study commissioned by AALU and the Future of The Industry Working Group identified the majority of Americans believe they need a life insurance policy, and there is a significant need among Americans for life insurance education.
read more - 5 Social Security Myths Debunked
Why your clients should focus on the facts before claiming
Getting your arms around Social Security can be pretty complicated. Misinformation, partially informed opinions, and complex benefits formulas can easily lead one down an incorrect—and costly—path. That's why it is important to work with your financial advisor to develop a Social Security claiming strategy that can serve as the foundation of your overall retirement income…
read more - Seven Traits of Highly Successful Advisors
Driving Growth and Outpacing the Competition
Now Registered Investment Advisors (RIAs) and fee-based advisors can adopt the seven traits that highly successful advisors have been leveraging year over year to earn more and manage more AUM, according to the latest findings from the fifth annual Advisor Authority study.
read more - Most Americans Are Leaving Crucial Legacy Decisions Up in the Air
While respondents recognize the importance of legacy strategies a majority fail to take basic steps
A new survey from Edward Jones ST. LOUIS, Sept. 16, 2019 – According to a recent survey by financial services firm Edward Jones, 77% of Americans believe that estate and legacy strategies are important for everyone, not just wealthy individuals, yet only 24% of Americans are taking the most basic step of designating beneficiaries for…
read more - Planning For Extended Retirements
High-net-worth individuals say it's more important to future-proof wealth than ever before
Against a backdrop of global economic uncertainty, increased living costs and changing tax structures, the majority of high-net-worth individuals (HNWIs) in the U.S. (75%) agree that it is more important than ever to future-proof one's wealth.
read more - Is a Weak Brand Strategy Crippling Your Company?
Hint: If it doesn't have these nine key criteria, the answer may be yes...
How strong is your company's brand strategy? If they're honest, many owners and business leaders would have to answer, "I'm not sure." That's because very few leaders understand brand, says Lindsay Pedersen. They (wrongly) believe it's "squishy," elusive, and superficial.
read more - The Internet is Steadily Becoming the Way Consumers Learn about Insurance Products
While Boomers rely most on advisors, Millennials go online as well
When it comes to researching (and eventually buying) financial services products, increasingly consumers expect their online experiences with agents and financial services companies to match their other online retail experiences.
read more - Record $35.6 Billion in New Credit Card Debt
Our 'over-leveraging' problem has entered dangerous territory
The personal-finance website WalletHub today released two key reports. Its latest Credit Card Debt Study found that consumers racked up $35.6 billion in credit card debt during Q2 2019 – an all-time record for the second quarter of the year. The Fed Rate Cut Survey revealed that a Federal Reserve interest rate cut on Sept.…
read more - Great Expectations for Inheritances
While families recognize unmet needs in discussing family wealth, they see a positive impact in 'partner-planning'
More U.S. households expect to receive inheritances, as families say they have unmet needs in discussing family wealth, and couples say partner planning for retirement can cut worry in half, according to a new report by Hearts & Wallets, the source for retail investor data and insights.
read more - 20/20 Vision: Seeing Into The Future of Pension Planning
Providers look to satisfy consumers’ evolving demand by keeping up with innovative technology
by Tom Murray
In the words of Heraclitus of Ephesus, a Greek philosopher from the 5th century BC, “There is nothing permanent except change”. That remains as true 25 centuries later as it was when he first wrote it.
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