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November 14, 2012
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News covering the insurance and financial advising industry

  Top Story 
  • Expert: Life insurance adds portfolio value
    Too many financial advisers fail to recognize life insurance as a "legitimate, separate and distinct asset class" with specific risks and rewards, writes Tom Tooley of Lincoln Financial Distributors. Allocating a small percentage of an investment portfolio to the product can provide diversification and predictable value while offering a method of passing wealth to heirs and beneficiaries, he writes. National Underwriter Life & Health (11/13) LinkedInFacebookTwitterEmail this Story
  Industry News 
  • Study: Women say they need guidance in long-term-care planning
    While 73% of women say they're aware of long-term-care options, 30% express doubt about their ability to plan for potential long-term-care needs, according to a Northwestern Mutual study. The study also found that women are less likely to have long-term-care coverage. Long-Term Care Awareness Month, which is happening now, is a great opportunity for women to work with agents and brokers to prepare for long-term care, advocates say. BenefitsPro.com (11/13) LinkedInFacebookTwitterEmail this Story
  • Commentary: Middle-class retirement accounts are falling short
    Middle-class Americans are not only falling short in their retirement savings, but also lack knowledge about how much they'll be able to withdraw without outliving their funds, consulting actuary Steve Vernon writes. He cites a Wells Fargo survey in which respondents' median estimate for necessary retirement savings was $300,000, while the median amount they had saved so far was $25,000. Respondents also said they expect to withdraw at a median rate of 10% per year, which suggests that many Americans will need to create a dependable retirement-income stream, Vernon writes. CBS MoneyWatch (11/13) LinkedInFacebookTwitterEmail this Story
  Policy Watch 
  • Affordable Care Act focus shifts to new regulations
    The Department of Health and Human Services has already submitted rules on essential health benefits, wellness programs, insurance regulations and quality initiatives to the Office of Management and Budget, but has yet to present regulations on the federal exchange. Now that the political future of the Affordable Care Act is assured, the focus will shift to an upcoming flood of regulations, according to this article. The Hill/Healthwatch blog (11/12) LinkedInFacebookTwitterEmail this Story
 
  • Flurry of health care regulations is expected
    The re-election of President Barack Obama is expected to speed the release of an "avalanche" of Affordable Care Act rules and guidelines aimed at employers, experts say. Regulations on federal reinsurance-program assessments, penalties for noncompliance and subsidies for people with lower incomes are expected to be forthcoming. Complications are likely to include court challenges to elements of the act, including a requirement for employers to cover prescription contraceptives. Business Insurance (tiered subscription model) (11/12) LinkedInFacebookTwitterEmail this Story
  • Ariz. governor weighs decision on health insurance exchange
    Republican Gov. Jan Brewer of Arizona must decide by Friday between taking the advice of business groups that want the state to run its own health insurance exchange or siding with her party's legislators who say the requirement infringes on states' rights. "I've got to decide [whether] it's the right thing for Arizona," said Brewer, who needs lawmakers' approval for an exchange. BenefitsPro.com/The Associated Press (11/13) LinkedInFacebookTwitterEmail this Story
  Building Your Business 
  • How to overcome 2 pain points in a practice
    Lack of discipline and regret over one's lack of success are two pain points that many financial advisers have regarding their practices at some point, writes Daniel C. Finley, president of Advisor Solutions. Pushing past the "pain" of adding discipline to an operation or process can lead to a more successful practice, he adds. FPAnet.org/Practice Management Center blog (11/6) LinkedInFacebookTwitterEmail this Story
  NAIFA News 
  • Building a Better Business: Mastering the 8 Most Important Facets of Your Advisory Practice
    Join NAIFA on from 3 to 4 p.m. Eastern time on Thursday, Nov. 15, for this power-packed presentation and learn effective ways to master eight essential skills to help you create, maintain and sustain successful adviser/client connections. These include how to master time management, prospecting, sales, relationship building, marketing, client servicing, product mix and client portfolio process. Space is limited. Reserve your webinar seat now. LinkedInFacebookTwitterEmail this Story
  • Call for entries for 2013 realLIFEstories Program
    The LIFE Foundation is now accepting entries for the 2013 realLIFEstories Client Service Recognition Program. The deadline to submit all entries is Jan. 14, 2013. This annual program seeks to gather and publicize compelling stories of the role insurance has played in helping families and businesses in times of great financial need. Find out more about the realLIFEstories program on the Advisor Today blog. LinkedInFacebookTwitterEmail this Story
Learn more about NAIFA ->Naifa.org  |  Advocacy  |  Membership  |  Member Benefits
Press Center  |  Advisor Today

  SmartQuote 
Many of our fears are tissue-paper-thin, and a single courageous step would carry us clear through them."
--Brendan Francis Behan,
Irish writer


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