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Blog + Articles

The life-changing life insurance career that’s often overlooked

{February 4th, 2016} by Warren S. Hersch

Do well by doing good. For life insurance and financial services professionals, this adage finds perhaps its fullest expression in an often-overlooked industry niche: fraternal benefit societies. Agents and advisors seeking more rewarding and successful careers might do well by taking a closer look at them. Why? The societies offer producers unique opportunities to weave […]

Iowa-Based Global Insurance Accelerator Names 2016 Class of Startups

{February 1st, 2016} by GIA

Global Insurance Accelerator (GIA), a Des Moines, Iowa-based global business accelerator focused on developing and growing innovative insurance-centric startups, has announced its 2016 portfolio. With a global pool of twice as many applicants compared to the previous year, the five standout teams selected to participate in the mentor-driven program represent the automotive, property and health […]

How Annuities Fit in a Fiduciary World

{February 1st, 2016} by N/A

The DOL rule will transform how annuities are sold and used Now that the department of Labor (DOL) fiduciary rule has survived the budget process, virtually assuring its path to adoption in early 2016, it is time to give some thought as to what this rule will likely mean for the future design of annuity […]

To boost life insurance sales, try this road-tested message

{February 1st, 2016} by LifeHealthPro Editors

A new LIMRA study using behavioral economics finds consumers are more likely to buy life insurance when people similar to themselves own coverage. In the study consumers were giveneight messages that challenged their biases toward life insurance ownership with one stating “most Americans do own life insurance, including people like you.” “This was the most […]

A.M. Best Special Report: U.S. Life/Annuity Insurers Third Quarter 2015 Earnings Stall From Poor Equity Market Showing

{February 1st, 2016} by Business Wire

OLDWICK, N.J.–(BUSINESS WIRE)–U.S. life/annuity insurance companies’ third-quarter 2015 statutory accounting results softened considerably when compared with prior quarters as pre-tax net operating gains fell to $3.7 billion from $18.5 billion in the previous quarter. This is partially due to the impact of equity market volatility and weakening investment yield, according to a recent A.M. Bestspecial […]

4Q Earnings Preview: Insurers Face Tough Times

{February 1st, 2016} by Cyril Tuohy

As the fourth-quarter earnings deadline nears, analysts say the insurance industry is in better shape than it was in 2008 to weather volatile markets and economic weakness. Reinsurance Group of America Inc., the global life and health reinsurer, kicks off fourth-quarter and full-year 2015 earnings after the market closes Thursday. Capital and liquidity are stronger […]

AIG’s Sankaran says material value at risk in Icahn’s plan

{February 1st, 2016} by SONALI BASAK

(Bloomberg) — American International Group’s Sid Sankaran, who has been designated to be the insurer’s next chief financial officer, said that activist investor Carl Icahn’s proposal to break up the company would punish investors by jeopardizing tax assets and pressuring capital measures. “There are material amounts of shareholder value at risk in a separation of […]

DOL fiduciary rule arrives at OMB

{February 1st, 2016} by Mark Schoeff Jr.

A Labor Department rule that would raise investment advice standards for retirement accounts took its last step toward finalization Thursday night A Labor Department rule that would raise investment advice standards for retirement accounts took its last step toward finalization Thursday night. The DOL sent the measure to the Office of Management and Budget, which […]

The short list of those who could succeed Ketchum at Finra

{February 1st, 2016} by Mark Schoeff Jr

Experts think the top candidates will have SEC experience  Susan Axelrod, Stephen Luparello, J. Bradley Bennett, Daniel Gallagher, Robert Colby The person who is named to head the Financial Industry Regulatory Authority Inc. when its chairman and chief executive, Richard G. Ketchum, retires later this year is likely to have experience at the Securities and […]

5 Roth IRA myths you can’t afford to believe

{February 1st, 2016} by Jeffrey Levine

Roth IRAs are powerful retirement savings tools — if used correctly. Unfortunately, many advisors and their clients hold beliefs aboutRoth IRAs that are downright wrong. These misguided beliefs can lead to negative consequences, including passing up planning strategies that could save valuable tax dollars for clients during retirement. With that in mind, here are 5 […]

The top 25 business jobs for 2016

{February 1st, 2016} by Lynette Gil

Our national unemployment rate is down to 5 percent, according to the jobs report released by the Bureau of Labor Statistics in December 2015, and several industries have continued to experience growth. Among these sectors, professional and business-related services, construction, health care and food services continued trending upward.  We used the data published in the latest U.S. […]

Sale of AIG Advisor Group may signal wave of mergers ahead

{February 1st, 2016} by Christine Idzelis

Insurance-owned firms and small broker-dealers most likely to throw in the towel The sale of AIG Advisor Group earlier this week might be the first of a wave of mergers in the independent broker-dealer industry as a result of looming regulation from the Labor Department. American International Group Inc.’s CEO Peter Hancock cited the DOL’s […]

DOL Sends Fiduciary Rule To OMB

{February 1st, 2016} by John Hilton

The Department of Labor sent its fiduciary rule to the Office of Management and Budget Thursday, signifying its intent to publish a rule before President Barack Obama leaves office. OMB can take up to 90 days to review the rule, during which time the contents remain under wraps. After the agency signs off, the DOL […]

Foresters Financial Supports “Insure Your Love” Campaign

{February 1st, 2016} by Foresters

NEW YORK, Feb. 1, 2016 /PRNewswire/ – Foresters Financial Services, Inc. proudly supports “Insure Your Love”—a national life insurance awareness campaign held every February with love its central theme and to highlight the fact that nearly a third of U.S. households have no life insurance at all.* Now in its eighth year, the campaign is […]

Young Advisors Are Stepping Up

{January 31st, 2016} by John J. Bowen Jr

We all know it takes many years and plenty of gray hairs to build a great financial advisory practice, right? Maybe not. If you do it correctly, you can build a successful business much faster than you may have ever thought possible. Research by my firm, CEG Worldwide, has found a select group of advisors […]

Fraternal insurers: for those who aspire to a higher calling

{January 29th, 2016} by Warren S. Hersch

Do well by doing good. For life insurance and financial services professionals, this adage finds perhaps its fullest expression in an often-overlook industry niche: fraternal benefit societies. Agents and advisors seeking more rewarding and successful careers might do well by taking a closer look at them. Why? The societies offer producers unique opportunities to weave […]

LPL Gears Up For DOL Fiduciary Rule

{January 29th, 2016} by EVAN SIMONOFF

At a time when some broker-dealers are vowing to fight the Department of Labor’s pending fiduciary rule, LPL Financial is re-engineering its operations to prepare for it. Over the last four years, the nation’s largest independent broker-dealer has initiated major investments of human capital in the risk management side of its business, according to Dan […]

The innovative annuity product that offers low-risk growth

{January 29th, 2016} by Robert Dechellis

Americans with a large nest egg are feeling protective of their precious retirement savings in these post-recession days. That’s according to a recent survey by Allianz Life. With the unpleasant memory of 2008’s steep market losses still in mind, high-net-worth investors say they’re looking for protection as they scan the horizon for an alternate place […]

Feathering the empty nest: FIAs can help

{January 28th, 2016} by Peggy Bresnick

Once the kids are away, the parents will play. It turns out that when the last of their children leave the nest, parents are spending substantial amounts of money, but not necessarily on preparing for retirement. Many couples find they have more disposable income when they become empty nesters. According to the U.S. Department of […]

MetLife CEO Raised Possibility of Breakup in 2014

{January 28th, 2016} by Ian Katz and Katherine Chiglinsky

MetLife Inc., looking to avoid tougher oversight, was examining options for a breakup or restructuring of the firm 14 months before announcing this year that it’s considering a sale, spinoff or public offering for part of the domestic retail business. Chief Executive Officer Steven Kandarian told regulators including Federal Reserve Chair Janet Yellen and Treasury […]

A.M. Best Affirms Ratings of Principal Financial Group, Inc. and Its Subsidiaries

{January 28th, 2016} by Best's News Service

Oldwick – A.M. Best has affirmed the financial strength rating of A+ (Superior) and the issuer credit ratings (ICR) of “aa-” of Principal Life Insurance Company (PLIC) and Principal National Life Insurance Company. Both are life insurance operating companies of Principal Financial Group, Inc. (PFG) [NYSE: PFG], which is headquartered in Des Moines, IA. These […]

A.M. Best Places Ratings of American International Group, Inc. and Its Subsidiaries Under Review with Negative Implications

{January 28th, 2016} by Best's News Service

Oldwick – A.M. Best has placed under review with negative implications the issuer credit rating (ICR) of American International Group, Inc. (AIG) (New York, NY) [NYSE: AIG] and the financial strength ratings (FSR) and ICRs of its insurance subsidiaries. (Please see link below for a detailed listing of the companies and ratings.) The under review […]

A.M. Best Affirms Ratings of Subsidiaries of CUNA Mutual Holding Company

{January 28th, 2016} by Best's News Service

Oldwick – A.M. Best has affirmed the financial strength ratings of A (Excellent) and the issuer credit ratings (ICR) of “a” of CMFG Life Insurance Company (CMFG Life), the lead life and annuity insurance writer, and MEMBERS Life Insurance Company (Members Life), a life/annuity subsidiary, as well as CUMIS Insurance Society, Inc. (CUMIS), the lead […]

Lightyear Capital and PSP Investments to Buy AIG Advisor Group

{January 28th, 2016} by Chelsea Emery

After a previous attempt, Lightyear Capital will buy the broker-dealer arm of AIG. The insurer will sell AIG Advisor Group to the New York-based Lightyear and PSP, the Canadian pension investment manager, AIG said on Tuesday. Terms of the deal were not released. AIG Advisor Group, which has roughly 5,000 advisors, ranked fifth on Financial […]

AIG Advisor Group To Be Sold; Valerie Brown Named Chairman

{January 28th, 2016} by Bloomberg News

American International Group Inc. will sell its advisor group to a private equity firm as part of a sweeping overall by its CEO to boost returns and amid criticism from activist investor Carl Icahn.   The company announced today that it has agreed to sell AIG Advisor Group to investment funds affiliated with Lightyear Capital […]

AIG Selling Broker/Dealer Segment, Cutting Expenses

{January 28th, 2016} by The Associated Press

Insurer AIG is selling its broker-dealer segment, starting an initial public offering for its mortgage-insurance division and slashing expenses after coming under pressure from activist investor Carl Icahn. Icahn has been pushing New York-based AIG to break itself into three separate companies. AIG shares rose more than 2 percent in morning trading Tuesday. American International […]

MetLife Urges IAIS to Change the Way It Manages G-SIIs

{January 28th, 2016} by Frank Klimko, Washington correspondent, BestWeek: frank.klimko@ambest.com

NEW YORK – MetLife Inc. wants the International Association of Insurance Supervisors to rewrite the rules for global systemically important insurers to impose penalties for companies that engage in high-risk financial activities and dispense rewards for those who reduce their risk and the potential of another financial calamity. MetLife’s recommendations were in response to a […]

Americans Value Life Insurance, But Aren’t Prioritizing It

{January 28th, 2016} by Life Happens

As we move further into the new year, Americans are focusing on resolutions to help them meet goals in various aspects of their life – including their personal finances. According to a recent survey from Life Happens, a nonprofit organization dedicated to educating consumers about the importance of life insurance, there is a wide disconnect […]

Does new U.S. rule favor mutual funds vs. insurers’ annuities?

{January 28th, 2016} by Joseph N. DiStefano

Lincoln National Corp., the Radnor-based life insurer and retirement investments company, is among a group of American insurers facing a steep drop in annuities sales to retirement investors and their IRA accounts, if a year-old Obama administration consumer-protection proposal gets enacted this winter, as industry observers expect. “Assuming that the proposal was adopted and implemented […]

As AIG Sells B/D Operation, CEO Blames Fiduciary Proposal

{January 28th, 2016} by Katherine Chiglinsky and Margaret Collins

(Bloomberg) — A federal proposal for stricter rules on retirement product sales helped spur American International Group’s decision to sell its broker-dealer operation, according to CEO Peter Hancock. “It’s a business we are not the best owner of, particularly in the light of potential Department of Labor rules,” Hancock said Tuesday in a conference call. […]

Zurich hires Generali’s Greco as CEO to drive overhaul

{January 27th, 2016} by JAN-HENRIK FÖRSTER, SONIA SIRLETTI, JEFFREY VÖGELI

(Bloomberg) — Zurich Insurance Group AG hired Assicurazioni Generali SpA’s Mario Greco as chief executive officer, giving him the task of turning around the company, after losses in its general insurance business forced the Swiss insurer (parent company of U.S.-based Farmer Insurance) to abandon a takeover bid. Greco, 56, will start on May 1, the Zurich-based company said in a […]

Sumitomo Life’s US$3.76 Billion Acquisition of Symetra to Close on Feb. 1

{January 27th, 2016} by Marie Suszynski, Best’s News Service correspondent: news@ambest.com

BELLEVUE, Wash. – Japanese mutual life insurer Sumitomo Life Insurance Co. has received all U.S. and Japanese regulatory approvals to acquire U.S. stop-loss insurer Symetra Financial Corp., with the deal expected to close Feb. 1. At closing, each outstanding share of Symetra common stock will be converted into the right to receive $32 in cash, […]

A.M. Best Affirms Ratings of The Dai-ichi Life Insurance Company, Limited

{January 27th, 2016} by Best's News Service

Hong Kong – A.M. Best has affirmed the financial strength rating of A+ (Superior) and the issuer credit rating of “aa-” of The Dai-ichi Life Insurance Company, Limited (DL) (Japan). The outlook for both ratings is stable. The ratings reflect DL’s robust level of risk-adjusted capitalization, strong business profile and its favorable operating performance. DL […]

A.M. Best Affirms Ratings of Protective Life Corporation and Its Subsidiaries

{January 27th, 2016} by Best's News Service

Oldwick – A.M. Best has affirmed the financial strength rating (FSR) of A+ (Superior) and the issuer credit ratings (ICR) of “aa-” of the primary life insurance subsidiaries of Protective Life Corporation (Protective) (headquartered in Birmingham, AL). Additionally, A.M. Best has affirmed the ICR of “a-” and existing issue ratings of Protective. Concurrently, A.M. Best […]

AIG Chief Executive: No Sacred Cows for Company as It Evaluates Divesting Even Biggest Units

{January 27th, 2016} by David Pilla, news editor, BestWeek: David.Pilla@ambest.com

NEW YORK – American International Group Inc. has a delicate task ahead of it as the group seeks to divest what it considers legacy businesses without losing book value. “There are no sacred cows,” Chief Executive Officer Peter Hancock said in a conference call on AIG’s strategy. Hancock added AIG is looking to “accelerate” its […]

Can’t sell life insurance to clients with HIV? True no more

{January 27th, 2016} by Warren S. Hersch

In December, Prudential Financial began offering 10- and 15-year term life policies to a community that (in the U.S.) had been largely shut out of the life insurance market: people living with HIV. The product rollout stems from an unusual partnership with Aequalis, an independent organization that conducted extensive research into the feasibility of availing […]

CFO Moves: Phoenix Cos., Willis Lease Finance

{January 27th, 2016} by Maxwell Murphy

Phoenix Cos., an insurance company based in Hartford, Conn., said Ernest McNeill Jr. will become finance chief when its merger with closelyheld Nassau Reinsurance Group Holdings LP is complete, which is expected to be early this year. Mr. McNeill will succeed Bonnie Malley, who Phoenix said will leave at that time to take a position with the city of Hartford. Compensation […]

Independent broker-dealers facing a number of looming regulatory changes

{January 27th, 2016} by Bruce Kelly

Coming 12 to 24 months could divide the industry into winners and losers — firms that will be able to adapt, and those that might fall by the wayside   Independent broker-dealers are facing a number of regulatory changes over the coming 12 to 24 months that could divide the industry into winners and losers — […]

Life Insurance Activity Saw Unprecedented Gains In 2015

{January 27th, 2016} by MIB Life Index

Braintree, MA. (January 22, 2016) —Application activity for individually underwritten life insurance posted its largest historical year-end gain in 2015, up +2.7% YTD, according to theMIB Life Index. Continuing the expansion seen in the last two quarters of 2014, application activity progressively gained momentum across all four quarters of 2015, suggesting continued growth heading into […]

Wall Street finds new ways to sell old, opaque products

{January 27th, 2016} by Yakob Peterseil, 2016, Bloomberg

As securities watchdogs crack down on complex investments that promise mom-and-pop investors access to strategies of trading pros, Wall Street is finding a way to sell the same products in places those regulators don’t reach. The investments, which follow proprietary indexes developed by banks including JPMorgan Chase & Co. and Credit Suisse, are quietly spreading into […]

AIG To Restructure, Sell Broker/Dealer Network

{January 26th, 2016} by Paul Davidson

AIG announced a major shakeup Tuesday that includes selling its network of independent financial advisors and reorganizing into nine business units, but the insurance and financial giant rejected investor Carl Icahn’s proposal for a breakup. “After careful consideration, AIG believes that a full breakup in the near-term would detract from, not enhance, shareholder value,” AIG Chairman […]

Here’s how producers rank life insurers on 60-plus attributes

{January 26th, 2016} by WARREN S. HERSCH

Claims service, responsiveness of underwriting and clear communications are among the most important attributes that life insurance sales professionals look for in a carrier, according to new research. Market research firm Celent discloses this finding in a September 2015 online survey of life insurance and annuity producers. Commissioned by Vertafore, the study polled mostly captive and […]

Meet the app that will make clients want to buy life insurance (really)

{January 26th, 2016} by Nichole Morford

In a world that is becoming increasingly global, local connections are more coveted than ever before. Consumers want to shop local. They want to eat local. They want to invest in products and services that are part of their local community. If you’re shopping for produce, that’s not all that hard to do. But if you’re shopping […]

AIG to return $25 billion to holders as Hancock reshapes insurer

{January 26th, 2016} by Sonali Basak

(Bloomberg) — American International Group Inc. plans to return $25 billion to shareholders over the next two years as Chief Executive Officer Peter Hancock divests assets and seeks to boost returns to protect his job amid criticism from activist investor Carl Icahn. Hancock will offer a 19.9 percent stake in the mortgage insurer United Guaranty […]

AIG Announces Actions Executing Strategy of Leaner, More Profitable and Focused Insurer

{January 26th, 2016} by American International Group, Inc.

Returning at Least $25 Billion of Capital to Shareholders over Next Two Years Executing IPO of up to 19.9% of United Guaranty Corporation as a First Step Towards a Full Separation Streamlining the Business through Divestitures and Exits, including Sale of AIG Advisor Group Reorganizing Operating Model into Separate Business Units to Enhance Transparency and […]

Why Annuities And Life Insurance Should Be On Your Client’s Bucket List

{January 26th, 2016} by Ted Jenkin

When I started in the business in 1991, one of the biggest fundamental teachings was the concept of asset allocation. Asset allocation is all about the notion that different asset classes offer returns that are not perfectly correlated, hence diversification reduces the overall risk in terms of the variability of returns for a given level […]

‘People Like You’ Have Big Influence On Buying Life Insurance

{January 26th, 2016} by LIMRA

WINDSOR, Conn., Jan. 26, 2016 — A new LIMRA study using behavioral economics finds consumers are more likely to buy life insurance when people similar to themselves own coverage. In the study consumers were given eight messages that challenged their biases toward life insurance ownership with one stating “most Americans do own life insurance, including […]

Event April 26-28: Global Insurance Symposium

{January 26th, 2016} by Business Record Staff

Registration is now open for the third annual Global Insurance Symposium to be held April 26-28 in downtown Des Moines. New this year, the symposium will host an Innovation Track, which comprehensively explores innovation opportunities and challenges. The Global Insurance Symposium features an agenda of renowned industry speakers, as well as numerous opportunities for attendees […]

Global Insurance Accelerator names participants in its second year

{January 26th, 2016} by The Business Record Staff

The Global Insurance Accelerator, a Des Moines-based global business accelerator focused on developing and growing innovative insurance-centric startups, today announced its 2016 portfolio. With a global pool of twice as many applicants as in the GIA’s inaugural year, the five standout teams selected to participate in the mentor-driven program represent the automotive, property and health […]

Cracking the Nut that is the Millennial Insurance Buyer: Opinion

{January 26th, 2016} by Nikole McMyler

For several years I’ve heard clamor from the agency world about how they will be able to sell to Millennials, because their demands are so different from earlier insurance buyers. Well, as a millennial insurance buyer, I’m here to say…we still have some work to do. Well, a lot of work. According to the Accenture […]

Gauging the Impact of Google Compare: It’s Not Just for Price Shoppers

{January 26th, 2016} by Susanne Sclafane

Insurance agents aren’t dead yet, but even underwriters participating in the personal automobile insurance market may be looking for another line of work within the next two decades, industry observers said at a recent conference. “The most radical view of personal lines, given advances in digitization and advanced analytics, is that the need for people […]

MIB Life Index Reports Unprecedented Gains in 2015 U.S. Life Insurance Activity

{January 26th, 2016} by PRNewswire

BRAINTREE, Mass., Jan. 25, 2016 /PRNewswire/ — Application activity for individually underwritten life insurance posted its largest historical year-end gain in 2015, up +2.7% YTD, according to the MIB Life Index. Continuing the expansion seen in the last two quarters of 2014, application activity progressively gained momentum across all four quarters of 2015, suggesting continued growth […]

Life and Annuity Carriers See 3Q Earnings Stall

{January 25th, 2016} by Cyril Tuohy

Third-quarter earnings for U.S. life and annuity insurers stalled in the face of a volatile stock market and as low interest rates affected investment returns on bonds, according to a new report. Bonds are typically the largest holdings in insurance companies’ portfolios U.S. life and annuity insurers reported third-quarter 2015 net investment income of $42.9 […]

The top 10 insurance schools of 2016

{January 22nd, 2016} by MELISSA HILLEBRAND

According to U.S. Census data, millennials outnumber baby boomers and are expected to make up half of the global workforce by 2020. However, the insurance industry needs to find a way to make itself attractive and leverage this talent. The good news is that four out of five millennials are “optimistic” or “very optimistic” that the insurance […]

How to Counter Ken Fisher’s Annuity Hate Machine

{January 22nd, 2016} by John Hilton

  The Ken Fisher Watch has yielded good news and bad news in recent weeks.   First the good news: Fisher will likely not be as big a thorn in agents’ sides once he steps down later this year as head of Fisher Investments.  The bad news is the annuity-hating Fisher is seemingly on a […]

Sales Surge for FIAs, but Income Riders Pose Risks

{January 22nd, 2016} by Linda Koco

As fixed indexed annuity (FIA) sales continue their meteoric rise, their risk profile has been increasing as well, according to an FIA market report from Fitch Ratings.    The guaranteed income rider is a key factor in this trend. Ever since these riders debuted in 2006, they have been contributing to FIAs’ sales growth as […]

Top 10 hottest trends in the IBD industry

{January 22nd, 2016} by Mark Schoeff Jr. and Bruce Kelly

Advisers and their independent broker-dealers saw movement last year in regulation, investment products, business strategies, retirement vehicles and more. Here are 10 of the hottest topics, which are sure to continue to evolve as the year unfolds. Make or break time for DOL fiduciary rule Sometime this spring, the Labor Department will release a final […]

AIG’s no-fire-sale ethos clashes with Icahn’s time-to-act push

{January 21st, 2016} by SONALI BASAK

(Bloomberg) — American International Group Inc. knows what it’s like to be circled by hawks. Under pressure in 2009 to repay the insurer’s bailout, company executives were in a race to sell assets. Then Robert Benmosche applied the brakes when he took over as chief executive officer, demanding better prices on everything from an aircraft […]

Before fiduciary rule change, time to act on fees is now

{January 21st, 2016} by Bill Good

The Department of Labor is expected to soon issue rule changes to “address conflicts of interest in retirement advice.” The change is likely to be issued in the first quarter so that the regulations can be set in stone before a new administration takes office. Who will likely be forced out of commission business into fees? […]

Here are 5 insurance tech trends you’ll see in 2016

{January 21st, 2016} by SREEDHAR ALAVALAPATI, KRISHNA PRASAD

Jean-Baptiste Alphonse Karr, the French journalist and novelist of the early 19th century, first coined the phrase, “the more things change, the more they stay the same,” a satirical response to French politics in his era. He was referring to the notion that while some things change during turbulent times, the underlying status quo usually […]

Insurance Execs Fear For The Future

{January 21st, 2016} by John Hilton

Insurance companies desperately need to incorporate innovation and technology to reach a new generation of customers. Everyone knows that, right? The difference is that this time, insurance company executives are coming out and saying it. Executives acknowledged the need for innovation and technology in their responses to the 2015 Retail Life Insurance and Annuity Executive […]

How America’s Dullest City Got Cool

{January 21st, 2016} by Colin Woodard

The capital of Iowa has long had a reputation as one of the least hip, least interesting and least dynamic cities in the Western world, a dull insurance town set amid the unending corn fields of flyover country, a place Minneapolis looks down on and the young and ambitious flee as soon as they graduate. […]

65 motivational quotes to ignite your insurance sales

{January 21st, 2016} by Jayleen R. Heft

Successful insurance sales professionals have to learn early on how to maintain a thick skin and a positive attitude. A great way to keep yourself motivated, especially during tough times, is to be reminded of why you do what you do, the positive impact your efforts have on others, and how to stay resilient. Insurance sales success takes […]

An expanding army: Permanent life insurance coverage in military

{January 21st, 2016} by LifeHealthPro Editors

Demand for permanent life insurance has reached a new high in America’s career military, where three out of four families now report owning this type of coverage, according to new research. First Command’s annual life insurance survey reveals that 75 percent of middle-class military families (commissioned officers and senior NCOs in pay grades E-6 and […]

How to keep your head above water by being grateful: Opinion

{January 21st, 2016} by Lynette Gil

Resolution is a word that is dreaded by many and that can be charged with stress. You might think that your resolution list is just one more thing you have no time for. Or, since we are already well into this New Year, perhaps you’ve already thrown out your list of resolutions and feel you’ve […]

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