Most Clicked AHIP Agents and Brokers SmartBrief Stories


1. 4 personality types and how to connect with them

AHIP Agents and Brokers SmartBrief | Apr 17, 2015

There are four major personality types on which salespeople should focus and should craft individualized pitches. These personality types are assertive, amiable, expressive and analytic. "Once you're familiar with these core personalities, you should be able to tailor your selling strategy to fit any situation you come across," writes Leslie Ye. HubSpot.com (04/15)


2. 4% rule could significantly harm retirees

AHIP Agents and Brokers SmartBrief | Apr 17, 2015

The time-honored 4% rule might work for wealthy retirees but be disastrous for others, according to a report from PricewaterhouseCoopers. Many might run out of retirement funds. Even the wealthy could see savings severely cut in value. BenefitsPro.com (04/15)


3. Tools help consumers find affordable health care

AHIP Agents and Brokers SmartBrief | Apr 22, 2015

Startups, state agencies and employers are rolling out health care shopping tools in response to growing consumer demand for pricing information, and insurers are pushing for additional medical care price transparency, too, in an effort to help consumers find affordable care. Los Angeles Times (tiered subscription model) (04/19)


4. Big corporations are adapting to ACA, study shows

AHIP Agents and Brokers SmartBrief | Apr 17, 2015

An analysis by ADP shows that large companies have adapted to requirements imposed by the Affordable Care Act and many have been able to hold down health benefit cost growth. The analysis also found that fewer eligible people are choosing employer-sponsored insurance, possibly because other forms of affordable coverage are available. BenefitsPro.com (04/16)


5. Report reveals widespread misunderstandings about disability insurance

AHIP Agents and Brokers SmartBrief | Apr 21, 2015

Employees and human resources managers share common misconceptions about disability insurance, including a belief that the risk of sustaining a disabling injury or illness is low and that they have an adequate alternative source of income should a disability keep them from working. Producers can work with human resources professionals to boost workplace understanding about disability risks and income-protection options, writes Steven Johnson. National Underwriter Life & Health (04/20)


6. Voluntary auto, home coverage could set employers apart

AHIP Agents and Brokers SmartBrief | Apr 20, 2015

Offering unconventional voluntary benefits such as home or automobile insurance can provide significant protection and comfort to employees and their families, write Tom Kavanaugh and David Warden with PricewaterhouseCoopers. Employers can work with brokers, privately run exchanges or directly with insurers to find cost-effective plans. Employee Benefit News (04/20)


7. ACA's Cadillac tax will affect many midlevel plans

AHIP Agents and Brokers SmartBrief | Apr 22, 2015

The Affordable Care Act imposes an excise tax beginning in 2018 on employer-sponsored health plans costing more than $10,200 per individual employee or $27,500 per family. Pre-tax contributions to health savings accounts are included in determining whether a plan is subject to the tax, but after-tax contributions are not, according to IRS guidance. Health care flexible spending accounts, Archer medical savings accounts, health reimbursement arrangements, retiree health plans and multi-employer plans might also be subject to the tax. ThinkAdvisor (04/21)


8. Working longer is a common but unrealistic retirement plan, report shows

AHIP Agents and Brokers SmartBrief | Apr 21, 2015

Thirty-six percent of respondents to a recent survey said they expect to keep working after they turn 65, but the median retirement age has remained at 62 since 1991. More than half the respondents think they will be able to live on 70% or less of their pre-retirement income, but it's likely they are not factoring in medical or long-term care expenses, study co-author Jack VanDerhei says. Sixty-nine percent conceded they could save an extra $25 each week, but half said they can't afford to save more than they already do. Bloomberg (04/20) MarketWatch (04/21)


9. Medicare reimbursement change signed into law

AHIP Agents and Brokers SmartBrief | Apr 17, 2015

President Barack Obama has signed a measure that he said strengthens Medicare "because it starts encouraging payments based on quality, not the number of tests that are provided or the number of procedures that are applied but whether or not people actually start feeling better." The bill also eliminates the 21% cut in Medicare payments that was due to take effect this month. Reuters (04/16) Washington Post (tiered subscription model), The (04/16)


10. Tools to help you manage the books

AHIP Agents and Brokers SmartBrief | Apr 20, 2015

One of the most important aspects of running a business is keeping track of finances, but many entrepreneurs don't have the time or expertise to get this right. Albert Costill runs through 16 accounting and invoicing packages to consider, including Wave, Xero and Quickbooks. Search Engine Journal (04/19)




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