Designed specifically for insurance professionals, NAIFA SmartBrief is a FREE, daily e-mail newsletter. By providing the latest need-to-know industry news and information, NAIFA SmartBrief saves you time and keeps you smart. Sign up today to begin receiving it.&nbsp;Click&nbsp; <a href='http://www.smartbrief.com/naifa/index.jsp?sb_code=rss'>here</a> to subscribe.http://www.smartbrief.com/news/naifa?sb_code=rsshttp://www.smartbrief.com/images/homepage/hed-smartbrief.gifhttp://www.smartbrief.com/news/naifa?sb_code=rssen-us21 May 2013 08:24:49 CDThttp://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D1E1A2359-488E-44B6-829B-1CAA6078289C%26copyid%3D267D52D2-0BE5-4EAF-8C32-A1656ED13705%26brief%3Dnaifa%26sb_code%3Drss%26%26campaign%3Drsshttp://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D1E1A2359-488E-44B6-829B-1CAA6078289C%26copyid%3D267D52D2-0BE5-4EAF-8C32-A1656ED13705%26brief%3Dnaifa%26sb_code%3Drss%26%26campaign%3DrssCarriers, manufacturers and broker-dealers are working more closely together in response to recent changes in the variable-an -More- ]]>21 May 2013 08:24:49 CDTTop Storyhttp://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D1E1A2359-488E-44B6-829B-1CAA6078289C%26copyid%3D7CD3DAB4-2E90-452C-AC88-16BA6D08AE45%26brief%3Dnaifa%26sb_code%3Drss%26%26campaign%3Drsshttp://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D1E1A2359-488E-44B6-829B-1CAA6078289C%26copyid%3D7CD3DAB4-2E90-452C-AC88-16BA6D08AE45%26brief%3Dnaifa%26sb_code%3Drss%26%26campaign%3DrssClients who want to retain money to pass along to their heirs may choose to purchase an annuity and allocate other assets to  -More- ]]>21 May 2013 08:24:49 CDTIndustry Newshttp://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D1E1A2359-488E-44B6-829B-1CAA6078289C%26copyid%3D97AD6FD8-BD32-49E3-ADBF-F2F518C83233%26brief%3Dnaifa%26sb_code%3Drss%26%26campaign%3Drsshttp://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D1E1A2359-488E-44B6-829B-1CAA6078289C%26copyid%3D97AD6FD8-BD32-49E3-ADBF-F2F518C83233%26brief%3Dnaifa%26sb_code%3Drss%26%26campaign%3DrssGrowth in the number of consumer-driven health plans has prompted an increase in the sales of critical-illness insurance, whi -More- ]]>21 May 2013 08:24:49 CDTIndustry Newshttp://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D1E1A2359-488E-44B6-829B-1CAA6078289C%26copyid%3DEEFF69F5-DE04-41D6-B2D6-BF6C938AB3A5%26brief%3Dnaifa%26sb_code%3Drss%26%26campaign%3Drsshttp://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D1E1A2359-488E-44B6-829B-1CAA6078289C%26copyid%3DEEFF69F5-DE04-41D6-B2D6-BF6C938AB3A5%26brief%3Dnaifa%26sb_code%3Drss%26%26campaign%3DrssEmployees are assuming more responsibility for their finances and retirement planning, Financial Finesse said in a report bas -More- ]]>21 May 2013 08:24:49 CDTIndustry Newshttp://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D1E1A2359-488E-44B6-829B-1CAA6078289C%26copyid%3D73D750A1-C41F-4DD2-949B-C55E1497C123%26brief%3Dnaifa%26sb_code%3Drss%26%26campaign%3Drsshttp://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D1E1A2359-488E-44B6-829B-1CAA6078289C%26copyid%3D73D750A1-C41F-4DD2-949B-C55E1497C123%26brief%3Dnaifa%26sb_code%3Drss%26%26campaign%3DrssA final rule was issued by the Centers for Medicare and Medicaid Services to enforce medical loss ratio requirements for Medi -More- ]]>21 May 2013 08:24:49 CDTPolicy Watchhttp://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D1E1A2359-488E-44B6-829B-1CAA6078289C%26copyid%3DC07B6E2D-ECE5-4786-8546-989B52AD1489%26brief%3Dnaifa%26sb_code%3Drss%26%26campaign%3Drsshttp://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D1E1A2359-488E-44B6-829B-1CAA6078289C%26copyid%3DC07B6E2D-ECE5-4786-8546-989B52AD1489%26brief%3Dnaifa%26sb_code%3Drss%26%26campaign%3DrssThe House has voted 235-161 to rein in regulators crafting what some call burdensome rules for the financial industry.  -More- ]]>21 May 2013 08:24:49 CDTPolicy Watchhttp://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D1E1A2359-488E-44B6-829B-1CAA6078289C%26copyid%3DC3DB194B-FD30-44DA-B38D-7A54BD291B16%26brief%3Dnaifa%26sb_code%3Drss%26%26campaign%3Drsshttp://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D1E1A2359-488E-44B6-829B-1CAA6078289C%26copyid%3DC3DB194B-FD30-44DA-B38D-7A54BD291B16%26brief%3Dnaifa%26sb_code%3Drss%26%26campaign%3DrssInsurers in some states plan to reduce premiums as the Affordable Care Act is implemented, according to early filings cited M -More- ]]>21 May 2013 08:24:49 CDTPolicy Watchhttp://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D1E1A2359-488E-44B6-829B-1CAA6078289C%26copyid%3DB76FF2D6-D446-49AA-8820-E241E2C4EAB2%26brief%3Dnaifa%26sb_code%3Drss%26%26campaign%3Drsshttp://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D1E1A2359-488E-44B6-829B-1CAA6078289C%26copyid%3DB76FF2D6-D446-49AA-8820-E241E2C4EAB2%26brief%3Dnaifa%26sb_code%3Drss%26%26campaign%3Drss -More- ]]>21 May 2013 08:24:49 CDTPolicy Watchhttp://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D1E1A2359-488E-44B6-829B-1CAA6078289C%26copyid%3D34C678D7-0D32-411A-A239-F0C71E6B3551%26brief%3Dnaifa%26sb_code%3Drss%26%26campaign%3Drsshttp://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D1E1A2359-488E-44B6-829B-1CAA6078289C%26copyid%3D34C678D7-0D32-411A-A239-F0C71E6B3551%26brief%3Dnaifa%26sb_code%3Drss%26%26campaign%3DrssWith the right structure, technology-enabled telecommuting helps advisory firms be more productive, writes Angie Herbers.  -More- ]]>21 May 2013 08:24:49 CDTBuilding Your Businesshttp://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D1E1A2359-488E-44B6-829B-1CAA6078289C%26copyid%3D0FCAE3D0-13CB-4602-8AEA-DDDDEA2630D4%26brief%3Dnaifa%26sb_code%3Drss%26%26campaign%3Drsshttp://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D1E1A2359-488E-44B6-829B-1CAA6078289C%26copyid%3D0FCAE3D0-13CB-4602-8AEA-DDDDEA2630D4%26brief%3Dnaifa%26sb_code%3Drss%26%26campaign%3DrssThe U.S.  -More- ]]>21 May 2013 08:24:49 CDTNAIFA Newshttp://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FquoteDetails.jsp%3Fissueid%3D1E1A2359-488E-44B6-829B-1CAA6078289C%26copyid%3DE5C3A69D-0721-4209-8CE2-55B361C9AA33%26brief%3Dnaifa%26sb_code%3Drss%26campaign%3Drsshttp://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FquoteDetails.jsp%3Fissueid%3D1E1A2359-488E-44B6-829B-1CAA6078289C%26copyid%3DE5C3A69D-0721-4209-8CE2-55B361C9AA33%26brief%3Dnaifa%26sb_code%3Drss%26campaign%3DrssCharles Darwin,British naturalist -More- ]]>21 May 2013 08:24:49 CDTSmartQuote