Annuities
National Underwriter
The SEC wants the insurance industry to be more transparent about the living benefits attached to variable annuities.
What's an annuity? More than one-third of individuals polled in an IRI survey are unfamiliar with annuities, and almost as many have no opinion about the product.
Variable Annuities: An Antidote for the New Normal
In today’s fast-changing global economy, investors need to view diversification through a wider lens. As mentioned above, thinking about diversification for the fourth or fifth time could entail going beyond just spreading growth potential and risk across different markets and asset classes.
Is Occupy Wall Street an Opportunity for Annuities?
Community-based, independent advisors can bulletproof themselves from the stain of big government and Wall Street greed.
A Long Tail, Getting Longer
As annuities increasingly become the central focus of the life and health insurance industry, we are starting to see signs that insurers may have sold too much, too fast, and a grim financial reckoning could be on the way.
California Tightens Regs on Variable Products Sales
California was one of several states that enacted an annuity suitability law based on an NAIC model.…
Re-evaluate Your 2012 Investment Plans
Today it's much better to play defense and win by not losing. And what product is better suited for this than index annuities?
The hinge around which estate planning revolves is gifting. The future growth in value of the asset from the date of gift to the date of death will be removed from the estate for estate tax purposes.
Protective Life
Annuity Interest Rate Notification
Interest Rate Notification Summary – Click on the link to view the PDF file, or right-click to save to your desktop.
Interest Rate Notification Summary - Registered Products
Interest Rate Notification Summary - Unregistered Products
For individual product rate sheets, please visit the Protective Producer Center (for unregistered representatives) or the Protective Advisor Center (for registered representatives), and log in.
LTC
John Hancock
Reminder: IRS Announces Eligible LTCI Premium Deductions for 2012
The Internal Revenue Service (IRS) announced its annual cost-of-living and inflation adjustments for 2012 in Rev. Proc. 2011-52. Please read this article for all pertinent information and for a correction to the dollar amount for ages 50-60.
Reminder: Partnership Benefit Minimums for 2012
The 2012 minimum benefit levels are now available for Connecticut, Indiana and New York Partnerships.
Reminder: Year End Commissions Update
Please read this brief update regarding the $50 commission minimum implemented on September 1, 2011.
Reminder: Commissions Less Than $50 to be Held Until Minimum is Met
Earlier this year, we implemented a minimum commission payment, meaning if you earn commissions of less than $50 during a commission period, your check/direct deposit will not be generated until the minimum has been reached. Please read this article for examples and how you can sign up for direct deposit today.
Mutual of Omaha
Expanding Coverage in Business with Executive Carve-outs
Check out some of the solutions you can provide leveraging the DI Choice at Work product portfolio.
National Underwriter
NAIC to Launch Initiative for Comprehensive Market Conduct Regulation
The NAIC's Market Reg Committee will be reviewing the state of market regulation in 2012 with an eye…
LTCI Watch: The Babies!
Selling to the ones in the cradle probably wouldn't work, but maybe selling to the ones who rock the cradles could.
Riding the Life Extension Wave
Failure to plan adequately for the long-term care needs of our longer-living population is putting more than just the people at risk, who stand to lose trillions.
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