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December 31, 2012
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News covering the insurance and financial advising industry

  Top Story 
  • Commentary: Independent agencies face more competition in 2013
    Competition from retirement-focused agency owners, agencies backed by a network or franchiser, and retail-based insurance sales will be among the key challenges confronting independent agencies in 2013, writes Alan Shulman, publisher of the Agency Ideas newsletter. Shulman also warns of increased competition from multi-channel carriers and online marketers, and he recommends that independent agencies should respond by stepping up their efforts to compete and innovate. Insurance Journal (12/28) LinkedInFacebookTwitterEmail this Story
  Industry News 
  • Report: Advisers should recognize how generations vary on saving
    Generational characteristics are a big factor in saving and spending behavior, but the financial-services industry doesn't fully appreciate the differences, according to research by Financial Finesse. Millennials appear to be faring better at managing their money than are Generation Xers, while many baby boomers are opting to fund their children's college education over their own retirement, according to Financial Finesse. "There is no one-size-fits-all formula to financial planning anymore," says Greg Ward of Financial Finesse. (12/28) LinkedInFacebookTwitterEmail this Story
  • Experts expect increased movement by advisers next year
    Experts predict the movement of certain financial advisers will accelerate in 2013, with independent broker-dealers opting for other independent broker-dealers, the registered investment adviser model or larger firms, and some wirehouse advisers choosing to go independent. "The reasons include a belief in the fiduciary client coverage model, a desire to own and run their business, and more flexibility," says Shirl Penney, CEO of Dynasty Financial Partners. "... Generally we're hearing about the positives of where they are going and less about the negatives of what they are leaving." (12/30) LinkedInFacebookTwitterEmail this Story
  Policy Watch 
  • HHS, states prepare for multiple ACA provisions in 2013
    The implementation of health insurance exchanges, the contraception mandate, a Medicaid pay increase for doctors and the Medicare tax increase are among the Affordable Care Act provisions that the federal government and states are enacting in 2013 or preparing for in 2014. 2013 will be crunch time for the law because each state should have an operating exchange by Jan. 1, 2014. The Hill/Healthwatch blog (12/28) LinkedInFacebookTwitterEmail this Story
  Hot Topics 

Top five news stories selected by NAIFA SmartBrief readers in the past week.

  • Results based on number of times each story was clicked by readers.
  Building Your Business 
  • Tips for networking your way to referrals
    Good networking skills can lead to increased referrals, consultant Michael Goldberg writes. He recommends being upfront when proposing a networking relationship, and he offers six reasons why others may not offer business referrals in return for similar consideration. Goldberg suggests keeping the conversation brief and light when networking on the golf course, and that networking with older contacts calls for a "likeable, inquisitive" approach and a clear message. National Underwriter Life & Health (12/28) LinkedInFacebookTwitterEmail this Story
  NAIFA News 
  • Trends in voluntary benefits and resolutions for 2013
    As we approach the end of 2012, many health insurance agents and brokers are thinking about upcoming trends in the health insurance industry and what they should consider in 2013. Looking forward to 2013, health care costs will continue to rise and employer margins will be stretched, according to Aflac. In addition, confusion and lack of understanding about health care reform will remain. Read the Advisor Today blog for the resolutions Aflac recommends to agents and brokers for the new year. LinkedInFacebookTwitterEmail this Story
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  Editors Note 
  • SmartBrief will not publish Tuesday
    In observance of New Year's Day, SmartBrief will not publish Tuesday. Publication will resume Wednesday. Enjoy the holiday! LinkedInFacebookTwitterEmail this Story
New Year's Day is every man's birthday."
--Charles Lamb,
English essayist

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