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Archive for February 2019


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  • How A 172-Year-Old Company Is Innovating Life Insurance: Interview With CEO Eileen McDonnell

    {February 14th, 2019} by Robert Reiss

    When it comes to the life insurance industry, the word innovation may not come to mind. The Penn Mutual Life Insurance Company, which has been in business since 1847, is demonstrating that no matter your age, it’s never too late to think outside the box and innovate your way to the top. At Penn Mutual innovation […]

    3 Cases for Annuities in a Turbulent Market

    {February 14th, 2019} by Jason Allen, CFP

    While there’s nothing unusual about volatility in stock markets, the big swings up and down we’ve experienced recently can amplify anxiety for those clients who are nearing retirement. Whether you are planning for the next correction or the next bear market, advisor-client conversations can focus around answering the following series of questions: What are the […]

    Great American’s Annuity Customers Share Their Secrets to a Great Retirement

    {February 13th, 2019} by Great American Insurance Group

    CINCINNATI–(BUSINESS WIRE)–Great American Insurance Group, a leading provider of fixed and fixed-indexed annuities through its member companies, recently launched “Great Retirements,” a five-part video series that explores the makings of a great retirement. The series provides a glimpse into the lives of five Great American Annuity customers, showcasing retirement experiences from modest Midwestern cities to […]

    Shifting Consumer Needs and Expectations Drive New Life Insurance Product and Underwriting Enhancements from Lincoln Financial Group that Advance the Life Insurance Business Model

    {February 13th, 2019} by Business Wire

    RADNOR, Pa.–(BUSINESS WIRE)–In response to increasing consumer preference for holistic financial solutions that meet multiple planning needs, and demand for ease and speed of business, today Lincoln Financial Group introduced several new life insurance products that deliver greater value and flexibility, as well as digital underwriting enhancements that simplify and expedite the buying process. The […]

    American Equity Reports Fourth Quarter and Full Year 2018 Results

    {February 13th, 2019} by American Equity Investment Life Holding Company

    WEST DES MOINES, Iowa–(BUSINESS WIRE)–American Equity Investment Life Holding Company (NYSE: AEL), a leading issuer of fixed index annuities (FIAs), today reported fourth quarter 2018 net income of $53.8 million, or $0.59 per diluted common share, compared to net income of $36.8 million, or $0.41 per diluted common share, for fourth quarter 2017. For the […]

    Variable Annuities are Still Being Recommended — Despite Ohio National Fallout

    {February 13th, 2019} by Rita Raagas De Ramos

    It appears many top retirement advisors who recommend variable annuities to their plan sponsor clients haven’t soured on the product despite the wider ramifications of Ohio National Financial Services’ decision to terminate its variable annuities selling agreements with broker-dealers and stop paying trailing commissions. Surveyed in December by FA-IQ sister publication Ignites Research, most of the top retirement advisors […]

    DPL Financial Partners Welcomes Jackson to RIA Insurance Network

    {February 13th, 2019} by DPL Financial Partners

    LOUISVILLE, Ky.–(BUSINESS WIRE)–DPL Financial Partners (“DPL”), the insurance network for registered investment advisors (“RIAs”), and Jackson National Life Insurance Company® (“Jackson®”) announced that they are teaming up to bring the carrier’s popular advisory annuity products to fee-only advisors in what represents Jackson’s first distribution partnership targeting the independent RIA channel. Three of the carrier’s commission-free products are […]

    Insurance & Millennials: A Coming Of Age

    {February 13th, 2019} by Jamie Johnson

    What really matters to Millennials? What drives their behavior and their actions? We learned that many Millennials felt that their hyper-digital lives had not only lead to burnout and digital fatigue, but also left them feeling lonely, isolated, and disconnected from their communities. They were looking for ways to feel more connected to their communities […]

    Life Insurance & The New Distribution

    {February 13th, 2019} by Brian Greenberg

    The year 2018 laid the groundwork for big shifts in the life insurance landscape that will decidedly benefit consumers in the New Year. And it seems shifts are sorely needed with more than 40 percent of Americans not having any type of life insurance, according to Foresters Financial. While the industry is shifting at a […]

    Brighthouse Prepares to Launch Life-LTC Hybrid

    {February 13th, 2019} by Allison Bell

    Brighthouse Financial Inc. is preparing to introduce an indexed universal life (IUL) insurance policy designed for the long-term care (LTC) planning market. The new Brighthouse SmartCare IUL policy will offer purchasers access to a rider that can provide a pool of LTC benefits with a value linked to the performance of an investment index. Eric […]

    4 Reasons Selling Annuities Is a Stable Strategy

    {February 13th, 2019} by Chris Conklin

    Whether it’s from friends, family or co-workers, we’ve all heard the saying before: the only constant is change. This is especially true in the new year, as producers nationwide are reflecting on past results and adapting their sales strategies. As you settle into 2019, consider altering your sales approach based on the current economic climate. […]

    Lincoln Execs Are Happy, and 4 More Life & Annuity Earnings Updates

    {February 13th, 2019} by Allison Bell

    The fourth quarter of 2018 may have been a rollercoaster, but executives at the individual life and annuity issuers that reported earnings in the past week seem to enjoy rollercoasters. Dennis Glass, the president of Lincoln National Corp., which uses Lincoln Financial Group as its marketing name, was especially cheerful about the state of  the market. LIMRA is […]

    5 Indexed Annuity Secrets

    {February 13th, 2019} by Allison Bell

    Legacy Marketing Group, an insurance marketing organization, recently brought Sheryl Moore to Phoenix to brief affiliated financial professionals on the state of the indexed market. Moore — the president of Wink Inc., an [insurance and annuity market research firm], and the head of Moore Market Intelligence, [an insurance and annuity consulting firm] — has access to broad, deep indexed annuity […]

    Lincoln Financial Updates Life Products

    {February 13th, 2019} by Allison Bell

    Lincoln Financial Group is introducing a new indexed universal life (IUL) insurance product: he Lincoln WealthAccumulate Indexed Universal Life 2019 policy. The new IUL policy offers four different indexed account options, with all of the options based on the S&P 500 Index. Lincoln Financial is selling the policy with a nine-year surrender charge period. The […]

    Start Me Up: Annuity Group To Sponsor Rolling Stones’ Tour

    {February 13th, 2019} by John Hilton

    The annuity focused Alliance for Lifetime Income has signed on as the sole sponsor of The Rolling Stones’ 2019 “No Filter” U.S. stadium tour. The tour kicks off April 20 at the Hard Rock Stadium in Miami. According to the Alliance for Lifetime Income website, the group saw the sponsorship opportunity as too good to pass […]

    NAIC Group Puts IUL Illustration ‘Multipliers’ Under Microscope

    {February 13th, 2019} by John Hilton

    State insurance regulators debated risk and reward and how much of the former consumers should take on in pursuit of the latter when purchasing indexed universal life products.  National Association of Insurance Commissioners’ subgroup revealed the depths of members’ disagreement during its first conference call today on IUL illustrations. The IUL illustration subgroup has a […]

    Maryland senators introduce fiduciary standard for brokers

    {February 13th, 2019} by Ian Wenik

    Maryland is hopping on the train of states seeking to institute their own fiduciary standards for broker-dealers. Maryland is the latest state seeking to institute their own fiduciary standards for broker-dealers ahead of the Securities and Exchange Commission’s (SEC) Regulation Best Interest proposal. On Monday, February 4, four state senators introduced a bill, the Financial Consumer […]

    Jackson National looks to expand distribution of fee-only annuities

    {February 13th, 2019} by Greg Iacurci

    Jackson National Life Insurance Co., the largest annuity seller, is broadening the distribution of its fee-only annuities to try to capitalize on the growing ranks of independent registered investment advisers. Click HERE to read the full story via InvestmentNews. 

    New CFP Board ads feature lesbian couple

    {February 13th, 2019} by Mark Schoeff Jr.

    Television ads launched Monday by the Certified Financial Planner Board of Standards Inc. feature a lesbian couple, a move intended to promote CFPs to the gay community. Click HERE to read the full story via InvestmentNews. 

    SEC commissioner Peirce wants to move ahead on advice reform quickly

    {February 13th, 2019} by Mark Schoeff Jr.

    Securities and Exchange Commission member Hester Peirce said Tuesday she wants the agency to complete investment advice reform soon, an indication that a rule could be coming by summer. Click HERE to read the full story via InvestmentNews. 

    Maryland bill would impose fiduciary duty on brokers, insurance reps

    {February 13th, 2019} by Mark Schoeff Jr.

    Legislation introduced this week by Maryland state lawmakers would raise investment advice standards for brokers and insurance representatives — marking an expansion of coverage compared to a Securities and Exchange Commission proposal. Click HERE to read the full story via InvestmentNews. 

    Retirement savings bill re-introduced in House with bipartisan backing

    {February 13th, 2019} by Mark Schoeff Jr.

    Legislation that would help small businesses offer retirement plans to their employees and ease the use of annuities in them was re-introduced in the House on Wednesday with bipartisan backing. Click HERE to read the full story via InvestmentNews.

    WealthVest Announces Bradley Yoshida Assumes Regional Director Position

    {February 12th, 2019} by WealthVest

    BOZEMAN, Mo., Feb. 12, 2019 /PRNewswire/ — WealthVest continues to grow their team of wholesalers by hiring Bradley Yoshida. Bradley will cover the Arkansas/Tennessee area helping advisors with retirement planning utilizing fixed and fixed index annuities. WealthVest demonstrates traditional face-to-face wholesaling as the #1 independently owned distributor of fixed and fixed index annuities in financial institutions. Brad brings 8+ years of […]

    Cognizant launches tech innovation hub in Boulder, Colorado

    {February 12th, 2019} by Consulting.us

    New Jersey–based technology and management consultancy Cognizant opened an Accelerator global technology center and innovation hub in Boulder on February 7. The Cognizant Accelerator division’s business and tech experts spearhead new technology development and invest in emerging external startups. The new center will employ 100 professionals. Cognizant Accelerator’s opening was attended by numerous state and local […]

    Ric Edelman’s List of Industries at Risk

    {February 12th, 2019} by Bernice Napach

    Ric Edelman is on a mission to warn financial advisors that the world they live and operate in is poised to change dramatically and exponentially within the next 20 years, if not sooner. Many of their clients will live beyond 100 years old due to advances in medicine and genomics, retirement will become obsolete and […]

    What Jay-Z Wants, Finra Insists It Already Has

    {February 12th, 2019} by Rita Raagas De Ramos

    An ongoing dispute involving rapper and entrepreneur Jay-Z and a brand management company that’s set to be heard before the American Arbitration Association has pointed the spotlight on how critical it is to have arbitrator diversity. In November Jay-Z asked the Supreme Court of the State of New York – in a filing under his legal name, Shawn Carter – to halt arbitration proceedings initiated by Iconix Brand […]

    Life Activity Climbs — for Two Age Groups

    {February 11th, 2019} by Allison Bell

    Americans ages 60 and older pumped a torrent of applications into U.S. life insurers in January. Americans ages 45 through 59 sent in more applications. Americans ages 44 and younger continued to back away. MIB Group Inc. has given that picture of U.S. individual life application activity in a new batch of activity data. Click HERE […]

    Smaller Life Insurers Continue Fight for Consumer Mindshare

    {February 11th, 2019} by Allison Bell

    Executives at small and midsize life insurers are still hungry for ways to stand out on social media services, and on mobile devices. Many of the presenters who spoke last week in Destin, Florida, at the Life Insurers Council’s annual meeting and marketing conference, talked about strategies smaller life insurers can use to capture consumer mindshare. The […]

    Integrity Marketing Acquires Final Expense Life Distributor

    {February 11th, 2019} by Allison Bell

    Integrity Marketing Group LLC says it has acquired NEAT Management Group from Tim McCoy, the owner. Integrity Marketing is a privately held, Dallas-based life and health products distributor with ties to about 140,000 independent agents. NEAT is an Austin, Texas-based distributor of final expense life insurance products. NEAT Management’s History Tim McCoy’s grandfather, J.H. Mac […]

    Edmund Murphy III to Lead Great-West’s US Life Unit

    {February 11th, 2019} by Allison Bell

    A Canadian life insurer has named a new head for its U.S. retirement business. Great-West Lifeco Inc. says Edward Murphy III will succeed Robert Reynolds as the president and chief executive officer of Great-West Life & Annuity Insurance Company. Great-West Life is the parent of Empower Retirement, Great-West’s U.S. retirement services unit. Reynolds, who is […]

    Insurers Are Competition for the PBGC: GAO Chief

    {February 11th, 2019} by Allison Bell

    The private insurers in the group annuity market are taking paying pension guarantee customers away from the Pension Benefit Guaranty Corp. (PBGC) Gene Dodaro, the comptroller general of the United States, talked, briefly, about the competition between the PBGC and the private “pension risk transfer” market Wednesday, at a hearing on financial security in retirement […]

    How to Prepare to Leave a Legacy: Study

    {February 10th, 2019} by Bernice Napach

    Death is not taboo, but failing to prepare for it financially is looked down upon. Those are just two of the many findings of a new report from Merrill Lynch in partnership with Age Wave that may interest advisors, especially those with clients who are middle-aged and older. The study of 3,000 adults, with a […]

    AM Best Downgrades Issuer Credit Rating of EquiTrust Life Insurance Company

    {February 10th, 2019} by A.M. Best

    OLDWICK, N.J.–(BUSINESS WIRE)–AM Best has downgraded the Long-Term Issuer Credit Rating (Long-Term ICR) to “bbb” from “bbb+” and affirmed the Financial Strength Rating of B++ (Good) of EquiTrust Life Insurance Company (EquiTrust) (Chicago, IL). The outlook of these Credit Ratings (ratings) is stable. The Credit Ratings (ratings) reflect EquiTrust’s balance sheet strength, which AM Best categorizes […]

    Paterson woman faces charges in $175K insurance fraud case

    {February 10th, 2019} by Joe Malinconico, Paterson Press

    PATERSON – A 45-year-old Paterson woman is accused of impersonating two people in an attempt to steal $175,000 from their insurance annuity policies, according to New Jersey Attorney General Gurbir Grewal. The suspect, Vashanta Stroud-Bennett, was charged with insurance fraud, theft by deception and impersonation in an indictment rendered by a state grand jury in […]

    New York Insurers Can Evaluate Your Social Media Use—If They Can Prove Why It’s Needed

    {February 10th, 2019} by Leslie Scism

    New York’s top financial regulator is going to allow life insurers to use data from social media and other nontraditional sources when setting premium rates, though the insurers will have to prove the information doesn’t unfairly discriminate against certain customers. New York is the first state to set specific guidance governing how life insurers use algorithms […]


    {February 10th, 2019} by Angela Chen

    Don’t post photos of yourself smoking on social-media sites. Do post photos of yourself running.” These two suggestions appear in a recent Wall Street Journal article about New York state’s new rules for how life insurance companies can use public data to help set premiums. Such tips — under the heading “what you pay for life insurance could depend […]

    Annuities group signs up for Rolling Stones tour

    {February 10th, 2019} by InvestmentNews

    The Alliance for Lifetime Income, an organization that’s trying to improve the public perception of annuity products, will be the sole sponsor of the Rolling Stones’ U.S. tour later this year. Click HERE to read the full story via InvestmentNews; registration required.

    Lincoln Financial Group Reports Fourth Quarter and Full Year 2018 Results

    {February 10th, 2019} by Lincoln Financial Group

    RADNOR, Pa.–(BUSINESS WIRE)–Lincoln Financial Group (NYSE: LNC) today reported net income for the fourth quarter of 2018 of $399 million, or $1.80 per diluted share available to common stockholders, compared to net income in the fourth quarter of 2017 of $816 million, or $3.67 per diluted share available to common stockholders. Fourth quarter adjusted income […]

    Wealth tax proposed by Elizabeth Warren could be illegal

    {February 10th, 2019} by Greg Iacurci

    Sen. Elizabeth Warren set the financial advice industry abuzz last week when the presidential hopeful proposed a “wealth tax” on ultra-rich Americans.​ Click HERE to read the full story via InvestmentNews.

    Ohio National announces increased earnings

    {February 10th, 2019} by Ohio National Financial Services

    CINCINNATI, Feb. 08, 2019 (GLOBE NEWSWIRE) — Ohio National Financial Services today announced a 6 percent increase in 2018 core earnings and released positive 2018 financial results as it closes out a five-year strategy. The company also grew total revenue (excluding realized gains and losses) by 9 percent and increased sales in core product lines. […]

    Symetra Donation to The Sophia Way Will Help Keep Eastside Emergency Shelter for Women Open Year-Round Again in 2019

    {February 10th, 2019} by Symetra

    BELLEVUE, Wash.–(BUSINESS WIRE)–Symetra, a national provider of employee benefits, annuities and life insurance, has committed a second $100,000 donation to The Sophia Way, a Bellevue, Washington-based nonprofit dedicated to helping end homelessness for single adult women in King County. Like the company’s June 2018 gift, the funding will allow the Eastside Emergency Shelter for Women […]

    Securian Financial Introduces Affordable, Protection-Focused IUL with No-Lapse Guarantee

    {February 6th, 2019} by Securian Financial

    ST. PAUL, Minn.–(BUSINESS WIRE)–Securian Financial has launched Value Protection Indexed Universal Life (IUL), a low-cost, protection-focused indexed universal life insurance policy with a built-in no-lapse guarantee. A leading accumulation-focused IUL carrier since it entered the market in 20061, Securian Financial is expanding its IUL portfolio and planting a flag in the protection space with the […]

    Q4 Earnings Vortex Report: Great American, Ameriprise, Principal

    {February 6th, 2019} by Allison Bell

    The first life and annuity issuers to report their fourth-quarter earnings say the recent stock market volatility storm knocked some twigs down but left roofs intact. Those issuers are American Financial Group Inc., which is the parent of Great American Financial Group; Ameriprise Financial Inc.; and Principal Financial Group Inc. The companies faced a 14% […]

    Principal Financial Group warns of more job cuts after ‘challenging’ quarter

    {February 6th, 2019} by Kevin Hardy and Donnelle Eller

    After laying off employees in late 2018, Principal Financial Group is warning workers to expect more job losses this year. The bleak assessment came Wednesday after Principal reported its profits dropped by more than half a billion dollars in the fourth quarter of last year, falling short of Wall Street analysts’ expectations. The Des Moines-based financial services company’s fourth-quarter earnings […]

    Ohio National: We Can Legally Terminate Selling Agreements

    {February 6th, 2019} by John Hilton

    Ohio National is asking a federal court to dismiss a lawsuit challenging its controversial decision to terminate trail commissions on variable annuities. The insurer bases its defense on the word “and.” In its request for summary judgment in the lawsuit filed by Veritas Independent Partners, a broker-dealer, Ohio National attorneys cite the selling agreement: Click […]

    We Need a More Muscular Life Happens

    {February 6th, 2019} by David F. Woods

    ThinkAdvisor Life/Health recently ran an article about the decline in life insurance sales to folks under 40. There are a number of reasons for this trend. Among them, I believe, is the lack of financial support for Life Happens. I have spent 58 years in this business and am a life member of the Million Dollar […]

    Four Reasons Life Insurance Should Be One Of Your 2019 Financial Resolutions

    {February 6th, 2019} by Peter Colis

    Life insurance is one of life’s least understood financial necessities. By design, it is intended to provide security for people in one of life’s most difficult emotional and financial situations: the passing of a loved one. Yet, too often, people view paying for life insurance as an unnecessary precaution or expense. This misconception is largely […]

    American Financial Group, Inc. Announces Fourth Quarter and Full Year Results

    {February 6th, 2019} by American Financial Group, Inc.

    CINCINNATI–(BUSINESS WIRE)–American Financial Group, Inc. (NYSE: AFG) today reported a 2018 fourth quarter net loss attributable to shareholders of $29 million ($0.33 per share) compared to earnings of $166 million ($1.84 per share) for the 2017 fourth quarter. Results for the fourth quarter of 2018 include $188 million ($2.08 per share) in non-core net realized […]

    T. Rowe Price: Nearly 7 In 10 Retirees Say They Live As Well Or Better In Retirement Than During Their Working Years

    {February 6th, 2019} by T. Rowe Price

    BALTIMORE, Feb. 5, 2019 /PRNewswire/ — More than two-thirds of retirees say they live as well or better in retirement as they did when they were working, according to a recent study focused on retirees conducted by T. Rowe Price. Meanwhile, only 39 percent of current workers believe they will live as well or better in retirement. […]

    Juvenile Life Insurance Market Is Thriving Worldwide: Key Manufactures and Statistics Analysis- Allianz, AXA, Nippon Life Insurance, American Intl. Group, Aviva

    {February 6th, 2019} by HTF Market Intelligence Consulting Pvt. Ltd.

    Edison, NJ — (SBWIRE) — 02/02/2019 — A new business intelligence report released by HTF MI with title “Global Juvenile life insurance Market Size, Status and Forecast 2019-2025” has abilities to raise as the most significant market worldwide as it has remained playing a remarkable role in establishing progressive impacts on the universal economy. The Global […]

    MassMutual’s LifeScore Labs℠ Launches Consumer-Facing Risk Scoring Tool

    {February 6th, 2019} by MassMutual

    BOSTON–(BUSINESS WIRE)–Creating an online experience aimed at empowering consumers to better understand their individual insurance risks before applying for life insurance, LifeScore Labs℠, the risk-scoring insurtech subsidiary of Massachusetts Mutual Life Insurance Company (MassMutual), today announced the launch of MyLifeScore360℠. MyLifeScore360 is a free online risk scoring tool that provides insights to how an insurance carrier […]

    An FIA Designed By RIAs

    {February 6th, 2019} by Kerry Pechter

    With the new “ClearLine” fixed indexed annuity (FIA), Security Benefit Life and DPL Financial Partners have built a product based on what they heard first-hand from the registered investment advisory (RIA) firms that pay an annual administrative fee to be part of DPL’s nearly year-old commission-free insurance sales platform. Click HERE to read the full […]

    Life Insurers Can Use Social Media Posts To Determine Premiums, As Long As They Don’t Discriminate

    {February 6th, 2019} by Jessica Baron

    New York’s Department of Financial Services (NYFS) has released new guidelines that will allow life insurance companies to use data from customers’ social media posts to determine their premiums, and experts say that these rules could potentially extend beyond New York’s borders. The new guidelines suggest that companies can use data from other “non-traditional” sources as well, […]

    National Western Life Group, Inc. Announces Completion of Acquisition of Ozark National Life Insurance Company

    {February 6th, 2019} by National Western Life Group, Inc.

    AUSTIN, Texas, Feb. 1, 2019 /PRNewswire/ — Ross R. Moody, Chairman, President, and Chief Executive Officer of National Western Life Group, Inc. (Nasdaq: NWLI), announced today that its wholly owned subsidiary, National Western Life Insurance Company (“National Western” or “NWLIC”), has completed its previously announced acquisition of Ozark National Life Insurance Company (“Ozark National”) and N.I.S. Financial Services, Inc. […]

    Anita Fox Takes Over at Michigan Department

    {February 6th, 2019} by Allison Bell

    Anita Fox recently took over as the director of the Michigan Department of Insurance and Financial Services. The Michigan department has about 350 employees, an annual insurance regulation budget of about $33 million, and about $41 million in annual insurance regulation-related revenue, according to the National Association of Insurance Commissioners. The department oversees credit unions, […]

    Compare Variable Annuities With Non-Guaranteed Portfolios: Idea File

    {February 6th, 2019} by Allison Bell

    Hedgeness Inc. has an idea: Offer insurers, financial professionals, and others interested in variable annuities a data analysis tool they can use to compare existing annuity contracts with one other; existing contracts with hypothetical contracts; and real contracts with the performance of investment portfolios that come without any guarantees. The Chicago-based company is already using the tool […]

    Labor Department Reports Insurance Industry Gained 2,000 Jobs in January

    {February 5th, 2019} by Best's News Service

    WASHINGTON – The insurance industry gained 2,000 jobs in January over December, an increase of 7% even as the overall unemployment rate edged up, according to preliminary figures from the U.S. Labor Department’s Bureau of Labor Statistics. On an annual basis, overall insurance industry employment for January 2019 was 2,704,100, a preliminary increase of 32,300 […]

    Generation Next

    {February 5th, 2019} by Kate Smith

    Of the 50 chief executive officer searches The Jacobson Group has done in the past four years, each was to replace a baby boomer. “Literally, all have been the result of retirement,” Greg Jacobson, co-CEO of The Jacobson Group, said. It’s a trend that’s bound to continue. And it’s also a trend that could prove […]

    Life Insurance or Life Invasion?

    {February 5th, 2019} by David Wilken

    Consumers like discounts — there’s no secret about that. And consumers shopping for insurance are no exception. Our recent survey revealed that nine out of 10 consumers (92 percent) would be motivated to maintain a specific weight level, and four out of five (81 percent) would be more likely to have an annual checkup, if […]

    The Impact of Cognitive Decline on Families’ Finances: RBC Survey

    {February 5th, 2019} by Emily Zulz

    As cognitive decline becomes an increasingly significant part of Americans’ lives, it is having a massive impact on families’ finances, according to a new study from RBC Wealth Management- U.S. According to the Alzheimer’s Association, 5.7 million Americans are living with Alzheimer’s disease, a figure that is expected to reach 14 million by 2050. As […]

    Finra exams to probe compliance with elder abuse rules

    {February 5th, 2019} by Greg Iacurci

    Finra examinations will soon start probing broker-dealers’ compliance with new rules issued a year ago that are meant to protect elderly clients from financial abuse and exploitation. Click HERE to read the full story via InvestmentNews; registration required. 

    New Jersey Supreme Court Hears Life Settlement Case

    {February 5th, 2019} by Allison Bell

    A New Jersey Supreme Court case could affect investment firms that buy life insurance policies from life settlement companies without verifying how the policies came to exist. Sun Life Assurance Company of Canada, an arm of Sun Life Financial Inc., and an arm of Wells Fargo & Company are battling over the fate of a $5 million […]

    Investment Advisor’s Top 16 Women in WealthTech

    {February 5th, 2019} by Janet Levaux

    There are lots of women in different IT leadership roles throughout the financial services industry. So many in fact, that we had to limit the group highlighted here to those making a significant impact on wealth management at a select number of firms. For the inaugural top Women in WealthTech list, we chose to present […]

    Americans Haven’t Thought Much About Life Insurance: Survey

    {February 5th, 2019} by Michael S. Fischer

    Americans worry about providing for their families in the event of their death, but most are unaware of many of the benefits life insurance can provide, according to a new survey from Edward Jones, a financial services firm, and Life Happens, a nonprofit consumer education group. In the same survey, a quarter of survey respondents said their biggest […]

    Florida Official to Fill NAIC Vice President Vacancy

    {February 5th, 2019} by Allison Bell

    The regulator members of the National Association of Insurance Commissioners (NAIC) have elected David Altmaier to be the NAIC’s vice president. Altmaier has been the commissioner in Florida since 2016. Altmaier runs the Florida Office of Insurance Regulation, an agency with a staff of 292. He is also the 2019 chair of the NAIC’s Financial […]

    Selling life insurance in the foreign nationals market

    {February 5th, 2019} by Allan Gersten

    The Foreign Nationals market for life insurance is an advisor’s dream. It’s huge, the prospects are motivated, and offers significant rewards. Even with all this, it’s far from overcrowded. Life insurance advisors aren’t flocking to it. They talk about it and some indicate an interest, but there is little action compared to the opportunities. Then, […]

    Voya Financial webpage glitch exposes Social Security numbers of reps

    {February 5th, 2019} by Bruce Kelly

    Voya Financial Advisors Inc. on Friday told its brokers and financial advisers that a glitch on a biography webpage for its brokers put their Social Security numbers at risk of exposure. Click HERE to read the full story via InvestmentNews; registration required.

    A New Fixed Indexed Annuity Has RIAs in Mind

    {February 5th, 2019} by Bernice Napach

    DPL Financial Partners, an insurance network for RIAs, has partnered with Security Benefit Life Insurance Co. to launch a fixed index annuity that reflects input from DPL’s RIA members. The annuity, called ClearLine, is commission-free, like all DPL products, and offers downside protection in exchange for limited upside gains. The minimum investment is $25,000. The […]

    IMOs To Trade Groups: What About Our ‘Best Interest?

    {February 5th, 2019} by John Hilton

    A group of independent marketing organizations are dissatisfied with how industry trade groups are representing them in best-interest regulatory discussions. A letter signed by 14 IMO executives was sent last month to the leading trade associations that represent annuity sellers. They say trade groups are too accepting of best-interest ideas put forth by the National […]

    Ex-Vikings Quarterback Fran Tarkenton: How Advisors Can Prevent Elder Fraud

    {February 5th, 2019} by Jane Wollman Rusoff

    Fran Tarkenton, “The Mad Scrambler” NFL record-setting Vikings quarterback, was licensed to sell insurance at age 18. Back then, fellow students at the University of Georgia purchased the plan he was marketing. Today, the retired Hall of Famer is touting fixed indexed annuities as a retirement strategy to protect seniors from financial abuse. He also […]

    Lockheed Martin transfers $1.8 billion in pension obligations to Prudential Retirement

    {February 5th, 2019} by Business Wire

    NEWARK, N.J.–(BUSINESS WIRE)–Lockheed Martin Corporation (NYSE: LMT) has transferred approximately $1.8 billion of its pension obligations by purchasing a group annuity contract from The Prudential Insurance Company of America, a subsidiary of Prudential Financial, Inc. (NYSE: PRU). Approximately 32,000 of Lockheed Martin’s retirees will receive their monthly pension benefit payments from Prudential as part of […]

    CNO Financial Names Cheryl L. Heilman Vice President and President of Bankers Life Securities

    {February 5th, 2019} by CNO Financial Group

    CARMEL, Ind., Feb. 4, 2019 /PRNewswire/ — CNO Financial Group, Inc. (NYSE: CNO) announced today the appointment of Cheryl L. Heilman to the position of vice president and president of Bankers Life Securities, Inc. (BLS) and Bankers Life Advisory Services, Inc. (BLAS). In this role, Heilman will be responsible for driving the strategic growth agenda of both the retail broker-dealer and […]

    Report: Under-Insurance Costing Life Insurers $70B Annually

    {February 5th, 2019} by John Hilton

    Just 26 percent of the total coverage needed for life insurance is currently met, according to a new report, resulting in $70 billion in lost premiums for the industry. The report found that insurance companies are missing out on an average of $785 in annual life insurance premium payments per person who requires insurance coverage […]

    Customers Are Taking Control Of Financial Services

    {February 5th, 2019} by Troy Korsgaden

    Gone are the days of carriers leading the entire purchasing cycle of insurance products and financial services. In today’s environment, it’s the customer who is in control. To remain competitive, advisors must become the local gateway to every potential option. This is a positive change for our industry. Instead of running our businesses in a […]

    Ameriprise Financial Reports Fourth Quarter and Full Year 2018 Results

    {February 5th, 2019} by Ameriprise Financial, Inc.

    MINNEAPOLIS–(BUSINESS WIRE)–Ameriprise Financial, Inc. (NYSE: AMP) today reported fourth quarter 2018 net income of $539 million, or $3.76 per diluted share. Adjusted operating earnings excluding items(1) increased 12 percent to $544 million, with adjusted operating earnings per diluted share excluding items(1) up 21 percent to $3.80. Significant equity and interest rate volatility resulted in non-cash mean reversion-related […]

    Top 20 YouTube Annuity Videos of 2018

    {February 5th, 2019} by Allison Bell

    YouTube.com can give you a peek into what other people are thinking about annuities. Here’s a look at the 20 most-watched YouTube annuity videos of 2018. To see screenshots from the five most-watched YouTube annuity videos of 2018, Click HERE Methods We came up with this list by searching YouTube for videos with the word […]

    Charles DiVencenzo to Take the Tiller at NAFA

    {February 5th, 2019} by Allison Bell

    The board of the National Association for Fixed Annuities has picked Charles DiVencenzo to be the group’s new president and chief executive officer. DiVencenzo is set to take the helm April 1. At NAFA, members serve as the board leaders. The group’s president oversees day-to-day operations. Jim Maietta is NAFA’s chair. Click HERE to read […]

    Forget the agent, soon claim insurance through WhatsApp: India

    {February 4th, 2019} by Manik Kumar Malakar

    Indian insurance companies have started to log on to WhatsApp as a convenient and quick means of reaching out to their customers. This may make it easy for customers to access policy details and lodge claims. But for now, the service is limited in scope. Some companies that have launched services via WhatApp are Aditya […]

    Mutual of Omaha to Use VUE Producer Software

    {February 3rd, 2019} by Allison Bell

    Mutual of Omaha is trying to bring agents and brokers aboard more smoothly, and pay them more efficiently. The insurer has agreed to adopt producer onboarding and compensation management software from Computer Solutions and Software International LLC, which does business as VUE Software Mutual of Omaha is hoping the new systems will improve producers’ experience, […]

    Ibbotson Taken to Task over Indexed Annuities

    {February 2nd, 2019} by Kerry Pechter

    If you read the January 28 edition of Advisor Perspectives (AP), you know that Michael Edesess and Bob Huebscher published a kind of takedown of Roger Ibbotson’s year-ago endorsement of fixed indexed annuities. In a March 2018 white paper, Ibbotson portrayed FIA as a generally prudent financial instrument.  Click HERE to read the full story via […]

    Ladder Launches Ladder For Advisors To Further Streamline Consumer Access To Life Insurance

    {February 2nd, 2019} by Ladder

    DALLAS, Jan. 29, 2019 /PRNewswire/ — Ladder, the company that has built life insurance to be instant, simple and smart, today introduced Ladder for Advisors at the T3 Advisor Conference, the leading practice management and technology conference for independent and hybrid financial advisors. Ladder for Advisors is a new solution that provides financial advisors with an efficient way to help their […]

    5 Options to Reduce Investment Risk in IRAs Read Newsmax: 5 Options to Reduce Investment Risk in IRAs

    {February 1st, 2019} by Ken Nuss

    People approaching or in retirement should not have an over-weighted stake in equities. If you need to reduce risk in your IRA and/or Roth IRA, what are the best ways to do it? A bank certificate of deposit (CD) is a reasonable choice. But a fixed-rate annuity can be an even better choice. Both CDs […]