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Industry Articles

Allianz, Securian Among Insurers Focusing on Income Annuities

{August 26th, 2015} by Linda Koco

There might annuity product designs be heading in the second half of 2015? Based on the August product launches, the focus is on retirement income — and retirement security. Attention to accumulation does show up, but that too is couched in terms of income. Following are a few examples of the different ways this is […]

Study: Life insurance coverage gap hurts women more

{August 26th, 2015} by Warren S. Hersch

Expanding on a growing body of research focusing on women, a new report identifies a gender gap in financial preparedness. The study, unveiled by NerdWallet, reveals that more than 4 in 10 women who own life insurance (43 percent) would be financially impacted by the death of a spouse. The fallout from a spouse’s loss […]

Women may be less prepared for the death of their spouse

{August 26th, 2015} by Quentin Fottrell

When the wage gap collides with the longevity gap Nearly half of women (49%) say their ability to make mortgage payments, save for college tuition and pay bills would be adversely affected by the death of their spouse, compared to just 37% of men, according to a new survey by personal finance site NerdWallet. Women […]

Making Life Insurance Relevant for Today’s Consumers

{August 26th, 2015} by Brooks Tingle

We’ve come a long way from our old vanilla & chocolate world (Whole Life & Term that is) by Brooks Tingle Mr. Tingle is Senior Vice President, Marketing and Strategy for John Hancock Insurance. In addition to leading all of John Hancock’s insurance marketing activities, Mt. Tingle is charged with developing and implementing John Hancock’s […]

Life insurance for business owners: a multipurpose tool

{August 25th, 2015} by David Port

Any advisor who counts a business owner among their clients knows that telltale look, the one that says, “I already have too much on my plate running a company to worry about long-term planning stuff.” All too frequently, the day-to-day concerns of running a company push vital business planning and big-picture strategic decisions to the […]

Brokers International to host annual WOMAN Fall Forum

{August 25th, 2015} by Brokers International

PRESS RELEASE For immediate release Contact: Karen Bump WOMAN phone: 866.250.9160 Email: kbump@biltd.com   Brokers International to host annual WOMAN Fall Forum Female financial professionals nationwide are invited to participate in Brokers International’s 2015 Women’s Mentoring Agent Network (WOMAN) Fall Forum. The two-day event to be held September 16 to 18 in Panora, Iowa will […]

The arts mean business in Iowa

{August 24th, 2015} by John Pappajohn

9:29 p.m. CDT August 11, 2015 Ask an outsider what they know about Iowa, and they may say one of three things, CORN … HOGS … and FARMLAND. Yes, Iowa is known for its agricultural bounty. But visit the world-famous Art Institute of Chicago, and you’ll undoubtedly run into “American Gothic,” a painting universally recognized […]

A.M. Best Special Report: Low Interest Rates Continue to Restrain U.S. Life/Annuity Results

{August 24th, 2015} by Business Wire

OLDWICK, N.J.–(BUSINESS WIRE)–The U.S. life/health (L/H) industry performed favorably in the first quarter of 2015, with a 54% increase in net income and a 5.8% increase in direct premiums written (DPW), compared with the prior-year period, according to a new A.M. Best special report. However, despite the positive earnings in the first quarter and in recent […]

2015 Advisor of the Year: Eric Scott

{August 24th, 2015} by Daniel Williams

Eric Scott, for lack of a better word, is a storyteller. He weaves pages from history, insights from his 30 years as a retirement expert, even touchstones from his personal life, to better connect with his clients, providing guideposts for their retirement. When Scott’s Dad died earlier this year he spoke about it on his […]

Life/Annuities Losing Wallet Share With 21st-Century Consumers

{August 24th, 2015} by Cyril Tuohy

Sluggish sales trends in the life insurance and annuities sector beg the question: Will life insurance and annuities as we know them be relegated to niche products one day? Are they not already there, so far as consumers are concerned? Nasty, ugly thoughts unwelcome at the tail end of the splendid summer months. Click HERE […]

Iowa Insurance Commissioner: US System Deserves Mutual Recognition From European Regulators

{August 24th, 2015} by Thomas Harman, Washington Bureau manager, BestWeek: Tom.Harman@ambest.com

CHICAGO – Iowa Insurance Commissioner Nick Gerhart said the U.S. state-based insurance system deserves mutual recognition from European regulators attempting to create new international regulations. Gerhart spoke with Best’s News Service at the National Association of Insurance Commissioner’s Summer National Meeting. The following is an edited transcript of the interview. Q: You’re a member of […]

MetLife: SIFI Designation a Product of FSOC ‘Imagination’

{August 24th, 2015} by Frank Klimko, Washington correspondent, BestWeek: frank.klimko@ambest.com

WASHINGTON – The Financial Stability Oversight Council’s designation of MetLife Inc. as a systemically important financial institution is not based on facts, but on the council’s imaginative concepts of how the company could lead the country into another financial meltdown, MetLife said. The FSOC critique was contained in a MetLife legal brief filed Aug. 21 […]

MetLife fights risk label by saying it’s not a U.S. finance firm

{August 24th, 2015} by Ian Katz and Andrew harris

(Bloomberg) — MetLife Inc.’s fight to free itself from a costly government label is increasingly focusing on a bold argument: The giant insurer isn’t actually a U.S. financial company.   In court papers filed in Washington on Friday, MetLife said it doesn’t meet the legal definition of a U.S. non-bank financial firm, in part because […]

As the Labor Department moves ever closer to a final fiduciary standard rule, the rhetoric, predictably, has reached fever pitch.

{August 24th, 2015} by N/A

As the Labor Department moves ever closer to a final fiduciary standard rule, the rhetoric, predictably, has reached fever pitch. The department’s recently completed four-day marathon of hearings featured the usual suspects trotting out the usual arguments — and self-funded studies — for or against the rule. Industry representatives insisted that the rule as proposed […]

Top 10 annuity sellers in the second quarter

{August 24th, 2015} by InvestmentNews

Big second quarter U.S. annuity sales totaled $60.2 billion in the second quarter, 3% lower than in the second quarter of 2014 but 10% higher than in the first quarter, according to LIMRA Secure Retirement Institute’s second quarter U.S. Individual Annuities Sales Survey. Todd Giesing, senior business analyst, LIMRA Secure Retirement Research, said in a […]

American Equity Marks Major Milestone in Client Appreciation

{August 24th, 2015} by NAFA Staff

American Equity Investment Life Insurance Company, a leading issuer of fixed indexed annuities, celebrated its 100th Client Appreciation Event recently in Louisville, Kentucky. American Equity representatives hosted more than 300 policyholders and guests for an informal luncheon. The attendees enjoyed an opportunity to learn more about the industry, their individual annuities and ask Company leaders […]

LIMRA Secure Retirement Institute Reports Total Annuity Sales Reach $60.2 Billion in Second Quarter 2015

{August 24th, 2015} by LIMRA

Annuity Sales Rebound from First Quarter But Fall Below Prior Year Results U.S. annuity sales totaled $60.2 billion in the second quarter 2015, 3 percent lower than sales recorded prior year, according to LIMRA Secure Retirement Institute’s second quarter U.S. Individual Annuities Sales Survey. “Second quarter annuity sales results were 10 percent higher than in […]

IUL: A Nontraditional Way to Allocate Retirement Assets

{August 24th, 2015} by N/A

Asset allocation in retirement income planning is perhaps one of the most fundamental concepts to ensuring sufficient retirement income while maximizing the growth potential of a client’s assets. While equities, bonds and cash equivalents are some of the traditional asset classes, or buckets, that advisors seek out in designing any given client’s allocation strategy, a […]

Principal Financial names new CEO

{August 21st, 2015} by Kevin Hardy and Matthew Patane

Larry Zimpleman, who as CEO steered Principal Financial Group through the Great Recession, has stepped aside, passing control to Chief Operations Officer Dan Houston. Zimpleman, Principal’s CEO since 2008, will stay active within the company as the executive chairman of the board of directors, a board-approved move that became effective Tuesday. Zimpleman was responsible for […]

Principal Financial names new president and CEO

{August 21st, 2015} by The Associated Press

   DES MOINES, Iowa —Principal Financial Group announced that Daniel Houston has been named president and chief executive officer. The new position will be effective Aug. 18. “Careful and thoughtful succession planning is an integral part of our business success,” said Larry Zimpleman, chairman of Principal’s Board of Directors. “Dan brings 31 years of experience […]

Marketers Have Lost Control of Insurance Buying Process

{August 21st, 2015} by Andrew G. Simpson

After careers spent crafting and controlling their companies’ messaging to customers, insurance marketing and advertising professionals have lost control. Customers and prospects have taken over. Increasingly, today’s insureds and prospects care more about what other parties have to say than they do about what an insurer or agency has to say about its products and […]

Yet another gender gap: key facts about women in 3 infographics

{August 21st, 2015} by Warren S. Hersch

If you’re a loyal reader of LifeHealthPro, then you’re likely aware of a gender gap — actually, multiple ones — in the market for insurance and financial services. Lest your memory is in need of refreshing, here are some examples from industry surveys we’ve reported on in this space: Click HERE to read

What’s Behind Japanese Life Insurers Acquiring U.S. Companies?

{August 20th, 2015} by InsuranceNewsNet

Recent billion-dollar acquisitions of U.S. life carriers by large Japanese life insurers don’t necessarily mark the beginning of a trend, as very few Japanese insurers are large enough to execute such transactions, an analyst said. With three of the four largest Japanese insurers having announced U.S. acquisitions in the past year, the Japanese giants are […]

Financial Marketers, Millennials And The Opportunities Therein

{August 20th, 2015} by Steve Olenski

Everybody should have health insurance. Life insurance. Auto insurance. Homeowner’s insurance or rental insurance. Bad hair day insurance. A pension plan. Savings bonds. Gold buried in the backyard. Yada, yada and yada. There’s just too many financial products to buy, so why bother with any of them? Eat, drink, and be merry — for tomorrow […]

D.M.-based Symetra Life has new owner

{August 19th, 2015} by Matthew Patane

A Des Moines-area life insurance company that came to Iowa last year has a new owner from Japan. Symetra Financial, a Washington-based company, announced Tuesday that it is now owned by Sumitomo Life Insurance Co. Sumitomo is a life insurance company with headquarters in Tokyo and Osaka, Japan. The acquisition of Symetra Financial includes Symetra […]

Four More Carriers Sign With DTCC Producer Management Portal

{August 19th, 2015} by Cyril Tuohy

Transamerica, New York Life, Great American and Prudential have signed on to a producer management portal offered by the Depository Trust & Clearing Corp. (DTCC). The automated platform offers insurers a centralized database for the annuities industry to track, share and verify producer training completions. Because annuity agents can be licensed and appointed in many […]

Brokers Call for Implementation of National Licensing Reform Law

{August 19th, 2015} by Andrew G. Simpson

Insurance producers are calling upon the Obama Administration to begin implementation of a licensing reform measure signed into law eight months ago. When President Obama signed the renewal of the Terrorism Risk Insurance Act (TRIA) in January, he also signed into law an attached measure to streamline insurance producer licensing known as the National Association […]

Manulife reports 2Q15 core earnings of $902 million, strong top line growth and $883 billion in assets under management and administration

{August 19th, 2015} by PRNewswire

C$ unless otherwise stated TSX/NYSE/PSE: MFC SEHK:945 Performance and strategic highlights: Asia Division – Delivered strong double digit growth, versus prior year, in insurance sales and new business value driven by sales in Japan, Hong Kong and Singapore; doubled wealth and asset management gross flows compared with prior year levels, reflecting the success of new […]

How 10 life insurers got their start

{August 18th, 2015} by Nichole Morford

Before the tax advantages, before the investment elements, before a single fancy rider had been dreamed up, the need for life insurance was recognized and honored. This is a product that can be traced all the way back to ancient Rome, where military leaders established guilds called “benevolent societies” to cover funeral expenses and living […]

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

{August 18th, 2015} by Best's News Service

CONTACTS:   Michael Adams Senior Financial Analyst (908) 439-2200, ext. 5133 michael.adams@ambest.comStephen Irwin Vice President (908) 439-2200, ext. 5454 stephen.irwin@ambest.com Christopher Sharkey Manager, Public Relations (908) 439-2200, ext. 5159 christopher.sharkey@ambest.comJim Peavy Assistant Vice President, Public Relations (908) 439-2200, ext. 5644 james.peavy@ambest.com FOR IMMEDIATE RELEASE OLDWICK – AUGUST 18, 2015 A.M. Best has affirmed the financial […]

FSI: DOL Fiduciary Rule To Cost IBDs $3.9 Billion

{August 18th, 2015} by Megan Leonhardt

The Department of Labor’s proposed fiduciary rule will cost independent broker/dealers nearly $3.9 billion in start-up costs, according to a new study commissioned by the Financial Services Institute. The industry lobby group released the report, conducted by Oxford Economics, on Tuesday. The report found that startup costs per firm range from $1.1 million to $16.3 million, […]

CORRECTING and REPLACING New Study Reveals What Women Breadwinners Want and Need and How They Are “Leaning In” on Financial Decisions

{August 18th, 2015} by Business Wire

Family, friends pressure women to downplay breadwinner status; 28% say parents disapprove Many lack confidence in wealth management skills, give advisors low grades Almost half want more flexibility from employer to juggle personal, work commitments CORRECTION…by Family Wealth Advisors Council August 18, 2015 04:41 PM Eastern Daylight Time SAN FRANCISCO–(BUSINESS WIRE)–In the paragraph above the […]

Providing much needed life coverage to women

{August 18th, 2015} by Paul Mallett

Unless you’ve had your head buried in the sand for past 20 years or so, you are aware women are assuming greater financial control within the family. In fact, it’s quite common now for the woman to be the primary breadwinner.Women today are every bit as financially savvy as men, and are often more concerned […]

What We Heard at the DOL Fiduciary Hearing

{August 18th, 2015} by John Hilton

After four days, 75 speakers, and 27 hours of testimony featuring thousands upon thousands of words devoted to the vagaries of financial planning, the Department of Labor closed its public hearing today. The next steps are likely to provide some interesting political theater — more on that in a moment. Officially, the DOL will publish […]

Olympian Embracing New Challenge In Virtual Financial Planning

{August 18th, 2015} by Beaver County Times

Aug. 15– Lauryn Williams is always looking for her next adventure. First, it was track, a first love that took her all the way from high school state championships to the Olympics. When that ended, there was bobsled, an unexpected second love that made her one of six athletes to win a medal in both […]

DBHC Advisory Network Launches Innovative Website for Registered Representatives

{August 18th, 2015} by DressanderBHC

Naperville, IL (DATE) Dressander|BHC, a leading independent financial marketing organization (FMO) based in Naperville, IL, recently launched a new website (www.dbhcadvisory.com) tailored for registered representatives affiliated with its Broker-Dealer Division, DBHC Advisory Network. DBHC Advisory Network brings marketing programs and a powerful array of conservative accumulation and guaranteed income solutions, such as fixed indexed annuities, […]

CFA criticizes 3 industry arguments against proposed DOL fiduciary rule

{August 18th, 2015} by Marlene Y. Satter

The Consumer Federation of America has come out swinging in favor of the Department of Labor’s proposed fiduciary rule. In its latest foray, CFA has targeted three separate arguments made by the financial industry against the proposed rules, saying that rule makers can “safely ignore” them “as the last gasp efforts of industry to maintain a […]

Transamerica parent misses profit estimates for Q2 earnings

{August 18th, 2015} by David De Jong, Bloomberg

(Bloomberg) – Shares of Aegon NV, the Dutch owner of U.S. insurer Transamerica Corp., fell the most in almost two years after the company reported second-quarter profit below estimates and lowered its target for a key financial ratio. The company on Thursday said net income stood at 350 million euros ($389 million) in the three months […]

Annuity Sales Rebound In 2Q To Reach $60.2B

{August 18th, 2015} by LIMRA

WINDSOR, Conn. Aug. 18, 2015—U.S. annuity sales totaled $60.2 billion in the second quarter 2015, 3 percent lower than sales recorded prior year, according to LIMRA Secure Retirement Institute’s second quarter U.S. Individual Annuities Sales Survey. “Second quarter annuity sales results were 10 percent higher than in the first quarter. Annuity sales were strong–since 2010, […]

A Mixed Bag Revealed In 2Q Earnings Reports

{August 18th, 2015} by Cyril Tuohy

Genworth reported a second-quarter loss of $193 million, or 39 cents per diluted share, compared with net income of $176 million, or 35 cents per share in the year-ago period. Adjusted for one-time costs, earnings came to 24 cents a share, missing Zacks Investment Research analysts’ expectations by 2 cents a share. After-tax losses were […]

U.S. fixed indexed annuity sales on growth course

{August 17th, 2015} by Peggy Bresnick

While overall annuity sales are stalling, fixed indexed annuities continue to gain momentum. For instance, industry-wide annuity sales in the U.S. during the first quarter of this year reached $52.7 billion, which represented a 6.9 percent decrease from $56.6 billion in the previous quarter. This is according to sales results for the U.S. annuity industry […]

Permanent life insurance coverage hits record high in military

{August 17th, 2015} by Warren S. Hersch

The men and women of the U.S. armed forces who put themselves daily in harm’s way hold among the nation’s most dangerous occupations. So it should come as little surprise that demand for life insurance is particular high in the military. You may be interested to learn, however, that policy purchases are not all for […]

IRA assets expected to hit $12 trillion by end of decade

{August 17th, 2015} by Marlene Y. Satter

Total IRA assets will likely reach $11.7 trillion by the year 2020, according to new research from Cerulli Associates. The report, “Evolution of the Retirement Investor 2015,” looked at the following: CLICK HERE to read 

Helping clients understand fixed index annuities: Opinion

{August 17th, 2015} by Ed McCarthy, CFP, RICP

I recently completed a continuing education course on fixed index annuities (FIAs). It was a useful review of the products, but what struck me was the difference between FIAs’ internal structures and the outcomes that the client sees. FIAs have lots of moving parts that advisors consider to best meet clients’ needs: index selection and […]

Don’t leave working Americans in the dark on retirement savings

{August 17th, 2015} by Rep. Earl L. “Buddy” Carter (R-Ga.)

Having owned and operated community pharmacies for nearly thirty years, I take pride in having provided my employees with the tools they needed to achieve financial independence. One of the most important tools in this effort were retirement investment plans so they could save to retire comfortably. Unfortunately the Obama administration is now taking steps […]

Life Insurance Activity Up 4% In July

{August 17th, 2015} by MIB

Braintree, MA. (August 14, 2015) — U.S. application activity for individually underwritten life insurance was up +4.0% in July, year-over-year, all ages combined according to the MIB Life Index. July’s strength comes on the heels of progressive quarterly growth in 2015 with Q1 up +1.5% and Q2 up +2.6% 2015/2014. Year-to-date (YTD) July, the MIB […]

Ron Carson says Monica Lewinsky can teach advisers a thing or two

{August 17th, 2015} by Alessandra Malito

The former White House intern will be the keynote speaker at the Peak Advisor Alliance Excell conference this falL Peak Advisor Alliance founder Ron Carson has announced an unexpected name as keynote speaker at this year’s Excell fall conference: Monica Lewinsky. The choice, which came after Mr. Carson heard Ms. Lewinsky speak about cyberbullying and […]

A.M. Best Briefing: A Reach for Yield: Fixed Indexed Annuity Writers Turn to Less Liquid Bonds

{August 17th, 2015} by Business Wire

OLDWICK, N.J.–(BUSINESS WIRE)–With the continuation of low interest rates and narrowing credit spreads, A.M. Best is seeing evidence that some life insurers are reaching for yield via the assumption of liquidity risk in their fixed income portfolios. According to a new Best’s Briefing, titled, “A Reach for Yield: Fixed Indexed Annuity Writers Turn to Less […]

Annuity Expert To DOL: What Is ‘Reasonable’ Compensation?

{August 17th, 2015} by Cyril Tuohy

Department of Labor (DOL) officials need to refine their fiduciary rule proposal by detailing what they mean by insurance commission, an insurance and annuity expert said. He added that the department should retain sales incentives and marketing payments paid to agents. Jim Poolman, executive director of the Indexed Annuity Leadership Council, also urged the Labor […]

Sammons Financial Group Donates $50,000 to Children and Family Urban Movement

{August 17th, 2015} by Marketwired

DES MOINES, IA–(Marketwired – August 14, 2015) – Sammons Financial Group has donated $50,000 to the Children and Family Urban Movement (CFUM), a non-profit organization that supports children and families through academic programs in the Des Moines community. The donated funds will allow CFUM to upgrade its technology infrastructure for both staff and participating youth […]

Jackson Introduces LifePaySM Benefit for Fixed Index Annuity

{August 17th, 2015} by Business Wire

August 17, 2015 11:00 AM Eastern Daylight Time LANSING, Mich.–(BUSINESS WIRE)–Jackson National Life Insurance Company® (Jackson®) today announced the launch of LifePay, the company’s first lifetime income benefit option within the Jackson AscenderPlus Select fixed index annuity (FIA). The new feature, available for an additional charge, offers contract-holders the flexibility to start or stop income […]

Jackson Generates Record Income In First Half

{August 17th, 2015} by Manufacturing Close Up

Jackson National Life Insurance Company generated a record $1.3 billion in IFRS pretax operating income during the first half of 2015, an increase of 14 percent over the first half of 2014. In a release on August 11, the Company noted that this overall increase was primarily driven by increased fee income on higher separate […]

Virginia Financial Advisor Under Investigation For Fraud

{August 16th, 2015} by Virginian-Pilot (Norfolk, VA)

Aug. 16–On the surface, Daryl Bank looks like a local businessman who has made it big. His face is on the cover of books offering financial advice. His voice was broadcast on radio stations here and in more than two dozen other markets around the country. Click HERE to read article       Wink’s […]

FIA FAQ: 7 key facts about fixed index annuities

{August 14th, 2015} by Peggy Bresnick

With a wide range of benefits that include tax deferred accumulation, potential to earn interest linked to an index and protection against loss of principal, fixed index annuities (FIAs) can be a great component in an individual’s overall retirement plan. However, even though FIAs can be a great way for individuals to protect their assets […]

DOL Fiduciary Hearings II: BIC on the Hot Seat

{August 14th, 2015} by John Hilton

Department of Labor officials found some areas of agreement with financial execs this afternoon on its controversial “best interest contract exemption,” known as BIC. In place of the BIC, Charles Nelson, CEO of retirement for Voya Financial, proposed a one-page “Customer’s Bill of Rights.” It would include any disclosures, compensation terms, and encourage investors to […]

Under regulatory pressure, Voya restricts sales of more variable annuities

{August 14th, 2015} by Trevor Hunnicutt

Firm will expand cost disclosures and eliminate sales of C shares with riders       Voya Financial Advisors has restricted sales of variable annuities for the second time in two months, as the brokerage firm faces increased pressure from regulators questioning the suitability of the products for retirement savers. On Monday, the broker-dealer that […]

How to compare life insurance policies


Editor’s Note: This article is excerpted from Tools & Techniques of Life Insurance Planning, 6th edition, which delivers detailed information about the entire range of life insurance products that can be used by estate and financial planners in a wide variety of circumstances. It includes planning techniques for retirement income needs, estate and gift tax avoidance, estate liquidity […]

Pros and Cons of Indexed Universal Life Insurance

{August 14th, 2015} by Casey Dowd

According to LIMRA, indexed universal life insurance policy premiums increased 23% in 2014. But financial experts warn this product, which was first introduced in 1997, is not for everyone. Robert Quinlan, the managing member of Quinlan Care LLC, an insurance agency/brokerage firm based in New York, discussed with me the pros and cons of this […]

DOL’s Perez Defends Fiduciary Rule, Setting Up Legislative Challenge

{August 14th, 2015} by John Hilton

Faced with legislative pressure to slow momentum toward an expanded fiduciary rule, a defiant Labor Secretary Thomas Perez brushed aside criticism in a new letter. Tensions over the conflict of interest rule – heightened this week by a four-day public hearing – played out in an exchange of letters. In recent days, 12 Democratic senators […]

NAFA Fights to Protect Your Business

{August 14th, 2015} by Chip Anderson

Message from NAFA First and foremost, I’d like to thank the industry for the warm welcome I received as I assumed the post of Executive Director at NAFA on May 1. Working with NAFA over the past 15+ years, I know all too well how critical it is to have a clear voice protecting and […]

11 do’s and don’ts on how to handle your competition

{August 14th, 2015} by Bryce Sanders

Who doesn’t love regulation? At one time, the financial services industry and the airlines were regulated. Everyone charged about the same amount for the services they provided. Competitors differentiated themselves through their extras. Brokerage firms talked about the depth of their research. Click HERE to read article 

Ponzi schemer haunts AIG Advisor Group in arbitration decision

{August 14th, 2015} by Bruce Kelly

FSC Securities is on the hook for a $1.28 million arbitration award to investors who were swindled by notorious con man Aubrey Lee Price Aubrey Lee Price, a broker with FSC from 2006 to 2008 who faked his death in 2012 to escape an investigation into a $40 million Ponzi scheme. FSC Securities Corp. is […]

Five tips for when you want to exchange your annuity

{August 13th, 2015} by Andrew Murdoch

It happens all the time. At some point, an annuity owner hears about a 1035 Exchange — a tax-free exchange from one annuity to another — and wonders whether he or she should swap their annuity for another, especially if they no longer face surrender charges.. If you can get better benefits or a higher […]

11 do’s and don’ts on how to handle your competition

{August 13th, 2015} by Bryce Sanders

Who doesn’t love regulation? At one time, the financial services industry and the airlines were regulated. Everyone charged about the same amount for the services they provided. Click HERE to read article 

The top 5 fixed annuity benefits to discuss with clients

{August 13th, 2015} by Rich Lane

When it comes to making financial preparations for the future, there is nothing clients love more than a sure thing. The opportunity to make investments with a guaranteed minimum rate of return is just one of the reasons why fixed annuities are gaining in popularity, especially among post-recession investors. In a recent post, I outlined […]