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February 13, 2013
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News covering the insurance and financial advising industry

  Top Story 
  • Annuities offer protection as 4% rule crumbles, experts say
    The 4% rule for retirement withdrawals has an anticipated failure rate of 57% because of low interest rates, write William Byrnes and Robert Bloink. Retirees concerned about outliving their financial resources might do better with annuities, which have been improved with critical-care riders that can cover long-term-care expenses or provide cash if the benefit is never used, Byrnes and Bloink write. AdvisorOne (2/12) LinkedInFacebookTwitterEmail this Story
  Industry News 
  • Commentary: Need for financial literacy trumps fiduciary standard
    A uniform fiduciary standard would fall short because ethical behavior can't be legislated and regulators often impose minimal punishments for those who flout it, Todd Greider writes. The best protection against illegal and unethical behavior, Greider writes, is for the general public to become more financially literate. Consumers would then be in a position to spot fraud and chose the right advisers, he writes. National Underwriter Life & Health (2/12) LinkedInFacebookTwitterEmail this Story
  Investment Trends 
  • Why retirement saving has become increasingly automated
    Employer-sponsored 401(k) plans are sometimes touted as a way to put workers in charge of their own retirement funds. But increasingly, workers are automatically enrolled into plans, and their dollars are directed into target-date funds, which contain a mix of investments that are selected for them. Plan administrators say the shift to automatic savings comes, in part, because of new information about investor behavior. "Our view in 1980 was unsophisticated about individual decision-makers," says Stephen Utkus, director of the Vanguard Center for Retirement Research. The New York Times (tiered subscription model) (2/11) LinkedInFacebookTwitterEmail this Story
  • Other News
  Policy Watch 
  • States prepare to market health coverage to the uninsured
    States plan to use celebrity athletes as one technique to reach the 30 million uninsured Americans who will be eligible for health coverage under the Affordable Care Act. Organizations and businesses also are developing campaigns to reach the uninsured, who may be skeptical or lack knowledge of health insurance exchanges. "We have to look at doing things a lot differently than what's been done in the past because this is a very unique audience, and we're marketing a product that's never been marketed before," said Michael Marchand of the Washington Health Benefit Exchange. The Wall Street Journal (2/12) LinkedInFacebookTwitterEmail this Story
  Building Your Business 
  • How to get clients to act on your advice
    Financial advisers' success depends on their ability to get clients to act on their advice, writes David Port. Establishing transparency, showing clients the big picture and pointing out solutions to their problems are among the ways advisers can close the deal, Port writes. National Underwriter Life & Health (2/7) LinkedInFacebookTwitterEmail this Story
  NAIFA News 
  • Check out the NAIFA Bookstore
    The NAIFA Bookstore, accessible via the NAIFA Marketplace, features resource materials, CDs and books authored by NAIFA members and strategic partners. Topics of interest include sales, marketing, prospecting, practice and professional development, and health and employee benefits materials. Check it out today. LinkedInFacebookTwitterEmail this Story
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--Nathaniel Hawthorne,
American author

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