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Archive for June 2012

Will Seniors Still Buy Annuities?

{June 27th, 2012} by Daniel Williams

By Daniel Williams June 21, 2012 •   Last week, while at the MDRT conference in California, I had the opportunity to speak with a couple of seniors to get their thoughts on retirement, long-term care, annuities, their health and a myriad of other topics. We’ll bring you more information from those interviews, but for [...]

Customize Annuity Options With Laddering

{June 27th, 2012} by Scott Bulmer, Kevin Hedstrom

By Scott Bulmer, Kevin Hedstrom June 21, 2012 • As an agent who has worked with hundreds of clients to help them build and protect their retirement nest eggs, I am now faced with helping my clients make the dramatic shift from the wealth management phase (gathering and growing assets) to the income management phase [...]

Upbeat on AIG, Sterne Agee Analysts Assign the Insurer a "Buy" Rating

{June 27th, 2012} by Arthur D. Postal

By Arthur D. Postal June 26, 2012 • A New York-based securities firm today initiated coverage of American International Group, New York, with a buy rating based on its view that its major problems are behind it, and there is a potential for strong growth in core operations, such as Chartis. “While we view AIG [...]

Fewer investors read through a VA prospectus in 2012

{June 26th, 2012} by Darla Mercado

Tomes can be 150-300 pages long; brevity would help reader rates By Darla Mercado June 26, 2012 Here’s an alternative to light summer reading: a variable annuity prospectus. Investors continue to eschew leafing through variable annuity prospectuses, with only 17% of 255 retirees and pre-retirees saying they bothered to take a look, according to a [...]

European crisis will affect capital markets for years: Allianz

{June 26th, 2012} by Andrew Osterland

U.S. political gridlock also a problem affecting economy and equities By Andrew Osterland June 26, 2012 Given the problems in Europe, investment experts at Allianz Global Investors have a dismal view of the global capital markets. “We expect financial repression and negative real yields to continue for three to five years,” Andreas Uterman, global chief [...]

SEC official warns insurers about VA benefit exchanges

{June 26th, 2012} by Darla Mercado

Nash says switch must be in best interests of contract holders By Darla Mercado June 26, 2012 An official with the Securities and Exchange Commission called upon life insurers to protect their legacy variable annuity clients — and to make sure that swapped benefits are suitable. “When a company discontinues the sale of a contract, [...]

Committed to the Career Channel

{June 26th, 2012} by Mark Wilkerson, CFP

By Mark Wilkerson, CFP June 25, 2012 • OneAmerica Financial Partners sponsors the nation’s largest half marathon, which starts and finishes near our home office in Indianapolis. I’ve run in the past six of these events myself. The last three years, I ran to raise money for the ongoing earthquake relief efforts in Haiti, so [...]

Is Infertility Killing Independent Distribution?

{June 26th, 2012} by Maria Ferrante-Schepis

By Maria Ferrante-Schepis June 22, 2012 • Infertile? There’s a word I’ll bet you’ve never heard used to describe the fate of independent life insurance distribution. Neither had I, until recently. Click here to read more…

Genworth Financial Survey Identifies Needs Gap in Life Insurance Coverage

{June 26th, 2012} by Arthur D. Postal

By Arthur D. Postal June 25, 2012 • A new study indicates that there is a significant gap between the amount of life insurance most Americans own and what they actually need. The report, published by Genworth Financial, Richmond, Va., finds that college-educated insured adults have 2.5 times the amount of life insurance coverage of [...]

Is Social Security Biased Against Men?

{June 26th, 2012} by Michael Ham

By Michael Ham June 25, 2012 • For those of you who may not know it, Social Security is the best and least expensive annuity one can buy. Now that I have your attention, let me further intrigue you with the fact that Dave Ramsey, financial guru du jour, thinks you should generally begin receiving [...]

The Many Advantages of Section 79 Plans

{June 26th, 2012} by Jeff Reed

By Jeff Reed June 25, 2012 • A Section 79 plan may just be the closest thing to a supercharged Roth IRA. While there may not be lions and tigers and bears stalking us in this business, there are a number of niches that we need to keep an eye on to do the best [...]

LIMRA: Advisors View Annuities As Appropriate For Clients' Plans

{June 26th, 2012} by N/A

WINDSOR, Conn, June 25, 2012—Fifty-five percent of advisors whose clients typically have less than $500,000 investable assets believe annuity products should be included as part of their financial portfolios, according to a recent LIMRA study. “Our study found that the majority of advisors feel longevity — outliving their assets — to be the greatest risk [...]

Retirement Planning: Working Longer Is A Key Factor

{June 25th, 2012} by Lisa Bennett

Prudential paper discusses implications of new National Retirement Risk Index report NEWARK, N.J.–(BUSINESS WIRE)– A new Center for Retirement Research at Boston College report highlights the difference a few extra years of work can make toward ensuring that the vast majority of Americans can achieve retirement security. The National Retirement Risk Index has shown that [...]

Jackson National's new iPad app lets wholesalers travel light

{June 25th, 2012} by Davis D. Janowski

Fewer paper cuts for financial advisers? By Davis D. Janowski June 25, 2012 Another iPad application joins the ranks of similar apps that are saving the backs of wholesalers pitching to advisers. Jackson National Life Insurance Company today launched the Elite Access iPad application (see also, Leveraging the iPad (J.P. Morgan Funds app for wholesalers [...]

Finra: brokers must update client info even if they keep their VA

{June 25th, 2012} by Darla Mercado

Broadened general suitability rule to apply July 9 By Darla Mercado June 25, 2012 Advisers who recommend that a customer stick with a variable annuity will need to revisit the information in the client’s profile and make sure the product is still suitable. That’s the requirement in the Financial Industry Regulatory Authority Inc.’s Rule 2111, [...]

ING U.S. Hires President of Individual Retirement Markets

{June 23rd, 2012} by Noah Guillaume

ALSO: Industry news from Symetra, Jefferson National, SunGard, Phoenix Cos. & BAN   By Noah Guillaume June 22, 2012 • The Retirement side of ING U.S. has hired Rich Linton as president of Individual Markets, which provides personal retirement, investment and income guidance and product solutions to pre-retirees, retirees and the rollover markets. As head [...]

Are the Boomers Heading to Your Community?

{June 22nd, 2012} by Daniel Williams

By Daniel Williams June 20, 2012 • Advisors in Florida just might see an uptick in potential boomer clients as towns such as Tallahassee are targeting that wealthy demographic. We all know about the traditional senior client migrating to the Southern clime of Florida, but it looks as if certain communities are recruiting the boomers [...]

The Producers Group Hires Vice President Of Disability Distribution

{June 21st, 2012} by Sarah Ventura

Mark Perlman to Lead The Producers Group’s Disability Insurance Department San Diego, CA – The Producers Group (TPG) announced today the appointment of Mark Perlman, CLU, ChFC, CLTC as the Vice President of Disability Distribution. Based out of the Company’s New York office, Perlman will lead the TPG’s Disability Insurance department. “We could not be [...]

Voss to Retire at Year's End

{June 21st, 2012} by Elizabeth Festa

Gerhart gets Iowa’s Top Insurance Regulatory Seat   By Elizabeth Festa June 19, 2012 • Iowa Gov. Terry E. Branstad recently named Nick C. Gerhart as the new Iowa Insurance Commissioner, succeeding Susan Voss, currently immediate past president of the National Association of Insurance Commissioners (NAIC). Gerhart currently serves as the vice president of compliance [...]

On Longevity Risk, Annuities and Johan Santana

{June 21st, 2012} by Maria Wood

By Maria Wood June 20, 2012 • History was made on June 1. Yet unless you follow baseball religiously or are a lifelong New York Mets fan like me, you probably didn’t realize it. That’s the day Mets left-handed pitcher Johan Santana threw the first no-hitter in the club’s 50-year history. Click here to read [...]

Survey: Half of U.S. Households Aren’t Ready to Retire

{June 21st, 2012} by Warren S. Hersch

By Warren S. Hersch June 20, 2012 • The Center for Retirement Research at Boston College, Boston, published this finding in a new report. The Center’s National Retirement Risk Index shows that about 50% of U.S. households are not ready to retire, up from 30% in 1989. But the report also finds that by working [...]

American Equity CEO Remembered as One of the First Women to Lead a US Life Company

{June 21st, 2012} by Fran Matso Lysiak

Best’s News Service – June 20, 2012 12:28 PM WEST DES MOINES, Iowa – Wendy C. Waugaman, chief executive officer and president of American Equity Investment Life Holding Co. who died after a battle with cancer, is being remembered as a trailblazer who helped build the company. Waugaman, who died at 51, was one of [...]

So Much for Oversight

{June 21st, 2012} by Bill Coffin

As Oklahoma delegates regulation of insurance to insurance companies themselves, the limits of state-based oversight become clear.   By Bill Coffin June 19, 2012 • For the last several years, we have lived in a world where the economic stakes for a major insurance failure have become too large to ignore. When AIG imploded in [...]

American Equity Mourns Death Of CEO

{June 21st, 2012} by N/A

Press Releases By Business Wire  06/19/12 – 03:25 PM EDT American Equity Investment Life Holding Company (NYSE: AEL), a leading underwriter of index and fixed rate annuities, regretfully announced today that Wendy C. Waugaman, Chief Executive Officer and President and a member of the Company’s Board of Directors, passed away yesterday after a courageous battle [...]

Advisors: Consider the Split Annuity/Roth Conversion Strategy

{June 21st, 2012} by Lloyd Lofton

By Lloyd Lofton June 18, 2012 • Many of your clients may decide to make changes to their retirement blueprint, either as they approach retirement or as the result of the economy. Many may have accumulated a great deal of money in their IRA, 401(k) or other retirement plan. The money in their accounts may [...]

Advisors: Check Clients’ Charitable Giving

{June 21st, 2012} by Margarida Correia

By Margarida Correia June 19, 2012 – Advisors significantly underestimate how many of their wealthy clients contribute regularly to charities and how much they give. This gap represents a missed opportunity not only for advisors but also their clients whose charitable contributions would go much further if they were better integrated into their overall financial [...]

Gen-Y May Have a Growing Yen for Annuities

{June 21st, 2012} by Linda Koco

By Linda Koco AnnuityNews Annuities are apparently garnering more attention from Generation Y adults than most professionals in the business have come to expect. Generation Y refers to people born in years 1980 to1995, making their current age range 17 to 32. The most recent edition of the IRI Fact Book points out that Gen-Y [...]

The Four Cs Of Successful Retirement Income Strategies

{June 21st, 2012} by Sara Thurin Rollin

Posted By: Editor On 6/20/2012 10:30:00 AM Business   Wire, Inc. Interactive Website also Launched to Help Consumers Understand Retirement Income Needs MINNEAPOLIS–(BUSINESS WIRE)– With 4.5 million baby boomers transitioning to retirement each year*, determining an appropriate strategy for turning years of retirement savings into long-term guaranteed income is a complicated process that can benefit [...]

New Study Identifies Likely Annuity Buyers

{June 21st, 2012} by Warren S. Hersch

By Warren S. Hersch June 19, 2012 • A new consumer research study lets annuity manufacturers and distributors, including banks, credit unions and securities firms, examine information about their customers to distinguish those that are most receptive to buying annuities. The study is published by Kehrer Saltzman & Associates in association with Consumer Financial Decisions [...]

Wendy Waugaman's Passing

{June 19th, 2012} by Sheryl J. Moore

The following message was sent by David J. Noble, Founder and Executive Chariman of American Equity Investment Life on June 19, 2012: “It is with great sadness that I must inform you that American Equity has lost a special friend and significant team member. Wendy Waugaman has been fighting a long and courageous battle with [...]

FBL Financial’s CEO Plans to Step Down June 30

{June 19th, 2012} by N/A

West DeMoines, Iowa-based FBL Financial Group Inc.’s CEO James Hohmann is stepping down on June 30, the insurance company announced. James Brannen, the company’s chief financial officer, has been named interim CEO until a permanent replacement is found. The company expects to name a new CEO by the end of next year. Hohmann will also [...]

Gerhart Appointed to Iowa Insurance Commissioner Post

{June 19th, 2012} by N/A

Iowa Gov. Terry Branstad has name an executive with a West Des Moines financial group as the state’s new insurance commissioner. Thirty-seven-year-old Nick Gerhart, of Des Moines, will replace Susan Voss, who is retiring. He will begin his new job this fall and will assume all responsibilities when Voss retires at the end of the [...]

Nationwide's Enhanced Indexed Universal Life Solution Lets Clients Customize Policy to Their Needs

{June 19th, 2012} by Charley Gillespie

press release June 18, 2012, 10:11 a.m. EDT COLUMBUS, Ohio, Jun 18, 2012 (BUSINESS WIRE) — Advisors looking for flexible life insurance products that offer clients wary of market volatility the potential for growth and protection from market loss now have more options. Nationwide Financial Services, Inc. announced today that Nationwide YourLife(R) Indexed UL, a [...]

New Iowa Insurance Commissioner to Take Over in 2013

{June 19th, 2012} by Michael Buck

Best’s News Service – June 18, 2012 11:05 AM DES MOINES, Iowa. – The next insurance commissioner of Iowa will begin working this fall within the state’s insurance division to ensure he’s ready to take over at the end of the year, according to the governor’s office. Gov. Terry E. Branstad last week tapped Nick [...]

401(k) Disclosure May Spark Market Shake-up

{June 19th, 2012} by Jenny Ivy

With new rules lifting the veil on 401(k) fees, sponsors now understand what they’re paying for. And they may think twice about the retirement plan they offer.   By Jenny Ivy June 15, 2012 • New fee disclosure regulations could put pressure on popular asset managers that control trillions of dollars in 401(k) plans. According [...]

Allianz Life Named 13th on Star Tribune’s Top Workplaces 2012

{June 19th, 2012} by Sara Thurin Rollin

Business   Wire, Inc. Employee engagement and development credited as a driving force for success MINNEAPOLIS–(BUSINESS WIRE)– Allianz Life Insurance Company of North America (Allianz Life®) has been named one of the Top 100 Workplaces in Minnesota. The Star Tribune Top Workplaces special section was published in the Star Tribune on Sunday, June 17. The [...]

Fitch Affirms American Equity's Ratings; Outlook Stable

{June 19th, 2012} by N/A

Business   Wire, Inc. CHICAGO–(BUSINESS WIRE)– Fitch Ratings has affirmed the Issuer Default Rating (IDR) of American Equity Investment Life Holding Company (AEL) at ‘BB+’ and the Insurer Financial Strength (IFS) ratings of its insurance operating subsidiaries: American Equity Investment Life Insurance Company(AEILIC) and American Equity Investment Life Insurance Companyof New York, at ‘BBB+’. The [...]

Advisors Look To Build Expertise In Retirement Income

{June 19th, 2012} by Margarida Correia

Margarida Correia Advisors are more committed than ever to helping clients with their retirement income planning but they face a host of challenges, including not knowing where to go to build their knowledge of retirement planning. In its most recent quarterly survey of financial advisors, Russell Investments found that advisors are dedicating more time to [...]

Annuities as Dementia Insurance

{June 18th, 2012} by Anne Tergesen

May 17, 2012, 9:41 AM By Anne Tergesen Here’s an often overlooked reason to use annuities in your retirement portfolio: To prevent yourself from making mistakes in the event that you become cognitively impaired. “The average person in his or her mid-80s has between mild and moderate dementia,” says Daniel Laibson, a professor of economics [...]

Study: Elder Financial Abuse on the Rise

{June 18th, 2012} by Maria Wood

By Maria Wood June 15, 2012 • In a recent poll, a majority of financial experts, medical professionals and social workers agreed that financial abuse and investment fraud aimed at the elderly is a worsening problem in the U.S. The survey was conducted by Investor Protection Trust (IPT), a nonprofit group dedicated to educating consumers [...]