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December 26, 2012
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News covering the insurance and financial advising industry

  Top Story 
  • Study: Many LTCI buyers are looking to protect assets, estates
    Among buyers of long-term-care insurance, about one-third said they made the purchase chiefly to guard their assets and estates, according to a study from America's Health Insurance Plans. Adviser recommendations play a major role in which plan clients buy, the study found, and more than half of respondents said they bought plans because they were worried that the "cost of insurance would increase in [the] future." National Underwriter Life & Health (12/24) LinkedInFacebookTwitterEmail this Story
  Industry News 
  • Commentary: Indexed guaranteed universal life can provide security
    Indexed guaranteed universal life policies may be a good option for clients seeking flexibility and security, Tim Heslin writes. Strong death-benefit protection and other customizable features can give such policies an edge in cash accumulation, he writes. The products "can be especially appropriate for clients who wish to acquire permanent, guaranteed protection at an affordable price, with the opportunity to grow tax advantaged, supplemental income for their retirement," Heslin writes. National Underwriter Life & Health (12/24) LinkedInFacebookTwitterEmail this Story
  • What advisers should focus on with chronically ill clients
    An organized plan, an emphasis on annuities, transparency to prevent elder abuse and flexibility are the hallmarks of financial planning for the chronically ill, writes James Sullivan, a financial planner who specializes in working with individuals with chronic illnesses. "All of these factors are part of any good financial plan but take on added urgency for ill or cognitively impaired clients, their families, and their caregivers," Sullivan writes. Wealth Management Insider (12/20) LinkedInFacebookTwitterEmail this Story
  Investment Trends 
  • A geographical look at retirement-plan ownership
    Americans contribute an average of $1,325 to their retirement accounts per year, with workers in California, the Midwest and the East Coast being most likely to have 401(k) accounts, according to an analysis by Esri. This article features two maps from Esri that break down by location the likelihood that people have retirement accounts. SmartBrief/SmartBlog on Finance (12/24) LinkedInFacebookTwitterEmail this Story
  Policy Watch 
  • More Affordable Care Act changes start next week
    Individuals earning more than $200,000 in wages and married couples earning more than $250,000 will pay an additional payroll tax of 0.9% starting Tuesday, as more provisions of the Affordable Care Act kick in. Other changes that take effect with the new year include a decrease in the Medicare Part D drug-coverage gap, a 2.3% medical-device tax and a $2,500 limit on flexible spending accounts. The Wall Street Journal/Dow Jones Newswires (12/25) LinkedInFacebookTwitterEmail this Story
  • Advisers express confidence that Congress will pass the AMT patch
    Nobody knows for sure whether or when Congress will pass this year's inflation adjustment for the alternative minimum tax, commonly known as the AMT patch, but most financial advisers assume it will be adopted. Many are already working on calculations for their clients telling them what they will have to pay in taxes, based upon that assumption. The Wall Street Journal (12/21) LinkedInFacebookTwitterEmail this Story
  • Dodd-Frank meant big changes for financial advisers
    Registration requirements mandated by the Dodd-Frank Act mean that in 2012, the Securities and Exchange Commission was overseeing more of the assets managed by financial advisers than in the past. For the first time, those advising small private funds or venture funds were required to file Form ADV with the SEC. Financial-Planning.com (12/23) LinkedInFacebookTwitterEmail this Story
  Building Your Business 
  • Skills that advisers need for an aging client base
    Advisers whose clients are aging will need to develop new skills and expertise to address all of their needs, writes Ralph Rolfe, president of Covenant Financial Concepts. Advisers will have to become familiar with financial instruments they might have avoided in the past to help their clients meet their income goals, and become familiar with the nuances of Social Security and Medicare, Rolfe writes. Wealth Management Insider (12/20) LinkedInFacebookTwitterEmail this Story
  NAIFA News 
  • RegEd -- when you need online CE now
    NAIFA members can take full advantage of RegEd's 300-plus continuing education course catalog via CEAuthority, RegEd's online insurance CE solution. Members are telling us this is a great member benefit at a great price! Two options are available to NAIFA members: 1.) unlimited course access to the full catalog for the discounted subscription fee of $29.95 and/or 2.) individual access for $9.95 per course. Learn more. LinkedInFacebookTwitterEmail this Story
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  SmartQuote 
When one man, for whatever reason, has the opportunity to lead an extraordinary life, he has no right to keep it to himself."
--Jacques Cousteau,
French naval officer and explorer


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