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November 21, 2012
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News covering the insurance and financial advising industry

  Top Story 
  • Expert: Indexed annuities deliver the safety that baby boomers want
    Indexed annuities with living benefit riders are a solution for baby boomers seeking guaranteed lifetime income that will withstand market fluctuations, writes Philip Rousseaux of Everest Wealth Management. The product enables retirees to maintain their accumulated wealth during stock market declines at a time when three-fourths of baby boomers are worried about having a financially secure retirement, he writes. The products also provide death benefits and the potential for substantial returns, Rousseaux writes. National Underwriter Life & Health (11/20) LinkedInFacebookTwitterEmail this Story
  Industry News 
  • Cash flows rebounded for nonqualified annuities in Q3
    Nonqualified annuities saw positive cash flows of $465 million in September, more than twice their September 2011 amount, according to Depository Trust and Clearing. Nonqualified annuities registered negative cash flows for six months before rebounding into positive territory in July. (11/20) LinkedInFacebookTwitterEmail this Story
  • IRS: Sandy victims can tap retirement savings
    The Internal Revenue Service says people who were affected by Hurricane Sandy can use retirement funds for emergency food and shelter money. Typically, hardship withdrawals are only for needs such as medical expenses, but in this case, those who apply by Feb. 1 can get withdrawals for storm-related emergency help. (11/19) LinkedInFacebookTwitterEmail this Story
  • Expert: Advisers need to focus on clients' wives, too
    Advisers ignore their male clients' wives at their peril, InvestmentNews publisher Suzanne Siracuse said at an industry conference. Siracuse said 80% of women die single, and women typically outlive their husbands by 14 years. Studies have found that 70% of widowed women switch advisers within a year of their husbands' deaths, she added. InvestmentNews (free registration) (11/14) LinkedInFacebookTwitterEmail this Story
  Investment Trends 
  • Investors seek better alternative-investment reporting
    Use of alternative investments is increasing, and financial advisers, as well as other entities offering investment guidance, are facing pressure to produce client statements more quickly and accurately and with more detail. One solution is for advisers to use a data-aggregation service. AdvisorOne (11/19) LinkedInFacebookTwitterEmail this Story
  Policy Watch 
  • Proposals would adjust Affordable Care Act rules for insurers
    Insurers will be given more flexibility in setting deductibles and health insurance plans will be required to offer a wider range of drugs under Affordable Care Act regulations issued by the Department of Health and Human Services. America's Health Insurance Plans called elements of the rules a "positive step," but expressed concern that coverage requirements and other provisions will make the plans too costly for younger consumers. The rules will be open for comments until Dec. 26. The Washington Post (11/20), Bloomberg Businessweek (11/20), The Wall Street Journal (11/20) LinkedInFacebookTwitterEmail this Story
  • Other News
  Building Your Business 
  • How to refocus a website with the client in mind
    Many advisers' websites focus on skills and services and not as much on the prospective clients' needs, writes Kristin Harad, CFP and marketing trainer for advisers. To streamline a site with clients' interests as the main focus, make sure the target audience is clearly defined, that users can request consultations on the site and that the biography is relatable, Harad writes. Management Center blog (11/16) LinkedInFacebookTwitterEmail this Story
  NAIFA News 
  • Penn Mutual and American College host Maurice Stewart Program
    The Penn Mutual Life Insurance Company, together with The American College, last month hosted the annual endowed Maurice L. Stewart Lectureship program in Philadelphia. The lecture, featuring top thought leaders from diverse disciplines who address themes and issues critical to the practice of leadership development, honors NAIFA member Maurice L. Stewart, CLU, ChFC, CLF. Read the full article on the Advisor Today blog. LinkedInFacebookTwitterEmail this Story
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  Editors Note 
  • SmartBrief will not publish Thursday and Friday
    In observance of Thanksgiving in the U.S., SmartBrief will not be published Thursday and Friday. Publication will resume Monday. Enjoy the holiday! LinkedInFacebookTwitterEmail this Story
We can only be said to be alive in those moments when our hearts are conscious of our treasures."
--Thornton Wilder,
American playwright and novelist

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