Before reducing stress, you must figure out the source | Advisers urged to tackle clients' political concerns | Study: Interest in insurance companies is highest among millennials
June 23, 2017
AHIP Agents & Brokers SmartBrief
Best Business Practices
Before reducing stress, you must figure out the source
The first step to handling your stress effectively is to determine exactly what is causing it, writes Anne Grady. When considering external sources of stress, try to avoid labeling the annoying behaviors of others as character flaws, which can actually increase stress.
Harvard Business Review online (tiered subscription model) (6/21) 
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Advisers urged to tackle clients' political concerns
An adviser survey conducted by Hartford Funds revealed 62% of respondents said client anxiety, particularly when fueled by geopolitical events, has resulted in poor investment decisions within the past year. John Diehl of Hartford Funds says it is vital for advisers to start a conversation with clients about such fears and points out three key issues to address.
ThinkAdvisor (free registration) (6/22) 
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Prospects, Products and Market Trends
Study: Interest in insurance companies is highest among millennials
A Harris Poll study found that millennials are more interested in life and property/casualty insurance companies than Generation X members or baby boomers are. The increased awareness is likely occurring as millennials are growing older and "have more to protect," said Joan Sinopoli of Harris Poll.
BenefitsPro (6/22) 
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Few pre-retirees show proficiency with retirement income topics
A recent survey found a worrisome lack of knowledge about retirement income among pre-retirees, with 74% of respondents failing a 12-question quiz, and only 5% of those who passed scoring 80% or higher. Areas where respondents were relatively proficient included by housing finances, Medicare issues, inflation, the role of taxes in retirement and concepts related to life insurance.
PlanSponsor online (6/22) 
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Survey: Fiduciary rule changing way advisers work
Advisers are being forced to change daily work habits to comply with the Labor Department's fiduciary rule, a survey by Aite Group found. Among advisers servicing retail retirement accounts, 69% said dealing with necessary workflow changes is somewhat or very difficult, the survey found.
ThinkAdvisor (free registration) (6/22),  InvestmentNews (tiered subscription model) (6/22) 
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Policy and the Health Care Landscape
How the Senate bill differs from, mirrors the House approach
How the Senate bill differs from, mirrors the House approach
(Andreas Rentz/Getty Images)
Newly released Senate legislation would provide a longer timeline than the House bill for phasing out the Affordable Care Act's Medicaid expansion; would not penalize consumers for having a break in coverage; and would link premium support to income, age and geography, rather than just age and tie that assistance to "bronze" plans. Similarities between the bills include the approach to premiums for older adults, pathways for states to seek waivers from essential health benefits and repeal of coverage mandates.
Ledger-Enquirer (Columbus, Ga.)/The Associated Press (6/23) 
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What the Senate health care bill means for insurers
The Senate's Better Care Reconciliation Act includes some provisions sought by health plans, which could be enough to prevent some companies from leaving public exchanges next year, but some are worried that steep cuts to Medicaid funding could force them to reduce services for the 75 million Americans covered under the program and cut reimbursement rates. The bill would continue cost-sharing reduction payments to insurers through 2019 and cut an annual fee paid by insurers, but it also would eliminate the individual mandate, which requires all Americans to buy health insurance or pay a financial penalty.
Modern Healthcare (tiered subscription model) (6/22),  Vox (6/22) 
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4 conservatives oppose current version of Senate health care bill
Sens. Rand Paul, R-Ky., Mike Lee, R-Utah, Ted Cruz, R-Texas, and Ron Johnson, R-Wis., said in a joint statement that they do not support the current version of the Senate health care bill, arguing that it does not do enough to unravel the structure of the Affordable Care Act, but they expressed willingness to negotiate. Republican leaders can only afford two defections from their party to pass the bill.
CNN (6/23),  The Hill (6/22) 
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Few choices will remain if insurers leave ACA exchanges
People in 44 counties across three states could have no access to insurers in Affordable Care Act exchanges next year, which would leave those people unable to use federal health insurance tax credits. Some states are funding reinsurance pools in hopes that carriers will remain, but many without ACA options might have to seek coverage through a broker or an alternative source, such as a business group or trade association.
CNBC (6/22) 
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Health Insurance Plan Company News
AHIP CEO Marilyn Tavenner on encouraging innovation
Everyone says they're innovative. But to truly be innovative, a solution has to deliver real value that makes a difference. Watch as AHIP's President and CEO Marilyn Tavenner discusses what's needed to drive real innovation that delivers real results.
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Career next step? AHIP's Young Professionals Network
AHIP's Young Professionals Network is designed for those health care professionals aged 35 and under. It's filled with resources including educational sessions, idea sharing through social media, and networking events. Be part of the discussions at #AHIPYoungPro and visit the website for details.
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Memories are like flagstones -- time and distance work upon them like drops of acid.
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