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February 1, 2013
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News covering the insurance and financial advising industry

  Top Story 
  • Survey finds more investor trust in advisers than in big firms
    Investors put significantly more trust in their individual financial advisers than they do in big financial companies, according to a Cerulli Associates survey. One in 4 households said that firms have their best interests at heart in their investment recommendations, the survey found. Two-thirds of investors said that their interests should always be the priority for advisers, the survey found. (1/31) LinkedInFacebookTwitterEmail this Story
  Industry News 
  • How to understand, explain the benefits of participating whole life
    Participating-whole-life insurance offers financial advantages that advisers must understand and explain to clients, writes Gene Lunman of MetLife. The product has higher premiums, but it can pay dividends based on insurer investment earnings, mortality experience and operating expenses, he writes. Advisers must be prepared to explain the impact of continued low interest rates on dividends but also to point out the living benefits provided by the product's accumulated cash value, Lunman writes. National Underwriter Life & Health (1/31) LinkedInFacebookTwitterEmail this Story
  • Advisers suggest Social Security fixes
    Some Americans might choose to forgo Social Security and sign up only for Medicare if the two programs were not linked, financial adviser Diahann Lassus says. Ideas from other advisers about maintaining Social Security's financial footing include offering a tax credit to people who decline Social Security benefits, and attempting to persuade Americans that the benefits should go to the neediest, not everyone. MarketWatch (1/30) LinkedInFacebookTwitterEmail this Story
  • Group: Guaranteed annuities concern retirement-plan sponsors
    Guaranteed-lifetime-income annuities can benefit investors who want to manage longevity risks and volatility, a report by the Insured Retirement Institute says. Many plan sponsors, however, are reluctant to include such an option because they aren't qualified to advise on insurance products and are concerned that they could be legally liable under a fiduciary standard. "[T]here is a tremendous opportunity here for the insured retirement industry and plan sponsors to work together to make guaranteed lifetime income options more accessible and tangible," IRI's Cathy Weatherford wrote. National Underwriter Life & Health (1/31) LinkedInFacebookTwitterEmail this Story
  Investment Trends 
  • Poll: 46% in Gen X say retirement savings are their priority
    Younger workers realize they need to prepare for retirement, but only 46% of those in Generation X put retirement at the top of their savings priorities, a LIMRA survey says. Among Generation Y, retirement savings fell behind travel and vacations atop their priorities. Retirement savings were found to be a lower priority for women, with 43% of Gen X and 27% of Gen Y women naming retirement among their top three priorities for saving. (1/31) LinkedInFacebookTwitterEmail this Story
  Policy Watch 
  • Mich.'s Stabenow calls for single-payer system
    Sen. Debbie Stabenow, D-Mich., encouraged backers of the Affordable Care Act to support a single-payer system she dubbed "Medicare for all" during a gathering of consumer health advocates organized by Families USA. "In my vision, someday, we see Medicare for all," Stabenow said. The ACA "is a step forward, but in life, in change, in a democracy, we take [things] step by step," she said. The Hill/Healthwatch blog (1/31) LinkedInFacebookTwitterEmail this Story
  Building Your Business 
  • With clients going mobile and social, advisers are urged to follow
    The growth of mobile devices and the ways people use them mean that financial advisers will be behind the curve if they don't find ways to reach potential clients via social media, consultant Mike Byrnes says. Mobile is "where [advisers] need to be, because it's where their prospects are spending the majority of their time," Byrnes says. AdvisorOne (1/29) LinkedInFacebookTwitterEmail this Story
  NAIFA News 
  • Office-product savings with Staples
    NAIFA members can save big on all their office and business needs at Staples. Once you sign up for the program, you can immediately start saving. You also have access to over 30,000 products, including notebooks, pens, pencils, paper and more. Sign up today at the Staples E-registration site. Within the next few days, you will receive a confirmation e-mail from with all your log-in information. LinkedInFacebookTwitterEmail this Story
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A man can fail many times, but he isn't a failure until he begins to blame somebody else."
--John Burroughs,
American naturalist and essayist

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