Tuesday, December 20, 2016

Mary Beth Franklin: 3 key things advisers should know about new Social Security claiming strategies

Mary Beth Franklin: 3 key things advisers should know about new Social Security claiming strategies 
(InvestmentNews)

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AAAE does not give tax, legal, or Social Security benefits advice. Please encourage your clients to consult a tax advisor, attorney, or their local Social Security Administration (SSA) office. AAAE and its representatives are not affiliated with the US government or government agency.

Check these guys out, not just boomers and millennials

Check these guys out, not just boomers and millennials
By Liz Skinner

(InvestmentNews)

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Article may require (free) site registration to view. Contact AAAE for a copy if unable to access.

Understanding who buys annuities – and why

Understanding who buys annuities – and why: A Q&A with LIMRA Secure Retirement Institute’s Jafor Iqbal
By Peggy Bresnick

(LifeHealthPro)

10 Reasons to Consider Life Insurance (and When!)

10 Reasons to Consider Life Insurance (and When!)
By Maggie Leyes

(Life Happens)

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Materials available on the Life Happens website may not be compliance-approved. AAAE & Life Happens are not affiliated.

Fed Raises Rates, Boosts Outlook for Borrowing Costs in 2017

Fed Raises Rates, Boosts Outlook for Borrowing Costs in 2017
By Jeanna Smialek and Christopher Condon

(Bloomberg)

D.C. Circuit Court refuses to block DOL fiduciary rule

D.C. Circuit Court refuses to block DOL fiduciary rule
By Melanie Waddell, Mike Scarcella

(LifeHealthPro)

Wednesday, December 14, 2016

GAO Study Confirms Advisor Concern for Client Elder Abuse

GAO Study Confirms Advisor Concern for Client Elder Abuse
By Juliette Fairley

(InsuranceNewsNet)

Preventing Elder Financial Abuse

Preventing Elder Financial Abuse
Allianz Life Insurance Company of North America

Chamber of Commerce urges Donald Trump to take 'immediate action to undo' DOL fiduciary rule

Chamber of Commerce urges Donald Trump to take 'immediate action to undo' DOL fiduciary rule
By Mark Schoeff Jr.

(InvestmentNews)

Your Business Forecast: Sunny with a Strong Chance of Social, Part 2

By Brianna Regan, Marketing Development Director

Developing a Social Media Plan and Policy

High-performing financial professionals spend considerable time working on their business plans. They are just as prepared for a warm sunny day as they are for a blizzard. They build a foundation to weather changes in the financial environment. They are also effectively integrating all of their marketing initiatives and platforms – to include social media.

Donald Trump’s Labor Pick Spells Potential Trouble for Retirement Rule

Donald Trump’s Labor Pick Spells Potential Trouble for Retirement Rule
By Yuka Hayashi

(WSJ)

Wednesday, December 07, 2016

Single Premium Pension Buy-out Sales Nearly $6 billion in the Third Quarter 2016

Single Premium Pension Buy-out Sales Nearly $6 billion in the Third Quarter 2016
LIMRA Secure Retirement Institute Survey
(LIMRA)

Could Mentoring Build Your Practice?



This weekend I am going on a fishing trip with a friend and his sons. It’s been an 18-year tradition. When describing who I am going with, I still say, “He is my old boss.” I have not worked for him in 16 years and we have been friends much longer than we were co-workers, but I still see him as my mentor and a leader I respect. He played a big role in helping me find a career path and mentored me through some tough times.

Reinspire your business

Reinspire your business
By Emily Holbrook
(LifeHealthPro)

Save clients from costly RMD aggregation mistakes

Save clients from costly RMD aggregation mistakes
By Ed Slott

(Financial Planning)

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AAAE does not provide tax or legal advice. You are encouraged to consult your tax advisor or attorney.

NAFA Files Emergency Motion for Injunction in Continued Fight to Stay DOL Rule

NAFA Files Emergency Motion for Injunction in Continued Fight to Stay DOL Rule

FOR IMMEDIATE RELEASE

 Contact: Chip Anderson, Executive Director 
Direct 414.332.9306, ext. 1 
chip@nafa.com

WASHINGTON (Dec. 1, 2016) — NAFA, the National Association for Fixed Annuities, announced Tuesday that it has filed an emergency motion for an injunction pending appeal with the U.S. Court of Appeals for the District of Columbia Circuit.

Wednesday, November 30, 2016

DOL May Grant All IMOs Financial Institution Status In Fiduciary Rule

DOL May Grant All IMOs Financial Institution Status In Fiduciary Rule

Breaking: DOL Rule Upheld by Kansas Judge

Breaking: DOL Rule Upheld by Kansas Judge
By John Hilton

(InsuranceNewsNet)

Dallas judge indicates possibility of vacating DOL fiduciary rule

Dallas judge indicates possibility of vacating DOL fiduciary rule
By Erin Sweene

(InvestmentNews)

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Article may require (free) site registration to view. Contact AAAE for a copy if unable to access.

Despite NAIC guideline, IUL insurance sales remain healthy

Despite NAIC guideline, IUL insurance sales remain healthy
By Warren S. Hersch

(LifeHealthPro)

DC Judge Rejects NAFA Request to Delay DOL Rule

DC Judge Rejects NAFA Request to Delay DOL Rule
By John Hilton

(InsuranceNewsNet)

FIAs Record Strongest Growth In 3Q: LIMRA

FIAs Record Strongest Growth In 3Q: LIMRA
(InsuranceNewsNet)

Consider Going Simple, Consider Going Electronic

By Meghan Eiler, New Business Coordinator

Doesn’t it seem like life just gets more complicated over time? It always makes sense to identify areas where you can simplify your life, to be able to get the same amount done in less time.
 

Fortunately, an increasing number of insurance carriers are rolling out tools that can help you save a lot of time – and money – in your business. With electronic application systems, carriers have reported increases in volume, more efficient application reviews, and faster transaction times.

Monday, November 21, 2016

Texting: when (and when not) to use it in client communications

Texting: when (and when not) to use it in client communications
By Gail B. Goodman

(LifeHealthPro)

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Article may require free registration to view.

4 Year-End Financial Planning Steps to Take Now

4 Year-End Financial Planning Steps to Take Now
By Debbie Carlson

(US News)

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AAAE does not provide tax or legal advice. You are encouraged to consult your tax advisor or attorney.

Wednesday, November 16, 2016

#LTCI #LTCAwareness

#LTCI #LTCAwareness
Life Happens

Learn more about long-term care insurance at http://www.lifehappens.org/insurance-overview/long-term-care-insurance/.

____________________
Materials available on the Life Happens website may not be compliance-approved. AAAE & Life Happens are not affiliated. For information on how long-term care insurance insurance works, please contact your financial professional.
 

Smart Buyer Checklist



IALC

Download your copy here
____________________
Materials available on the Indexed Annuities Leadership Council (IALC) website may not be compliance-approved. AAAE and the IALC are not affiliated. AAAE does not give tax, legal, or Social Security benefits advice. Please encourage your clients to consult a tax advisor, attorney, or their local Social Security Administration (SSA) office. AAAE and its representatives are not affiliated with the US government or government agency. Fixed Index Annuities are insurance products designed to meet long-term needs for retirement income, and they provide guarantees against the loss of principal and credited interest, and offer the reassurance of a death benefit for noted beneficiaries. For information on how different types of annuities work, including benefits, fees, terms and limitations, please contact your financial professional. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.
 

Fischer says Fed close to reaching goals and lifting rates

Fischer says Fed close to reaching goals and lifting rates
By Jeanna Smialek, Christopher Condon

(LifeHealthPro)

Trump, Ryan Have Three Paths To Killing DOL Rule

Trump, Ryan Have Three Paths To Killing DOL Rule
By John Hilton

(InsuranceNewsNet)

IMOs to Press Ahead With DOL Compliance

IMOs to Press Ahead With DOL Compliance
By Cyril Tuohy

(InsuranceNewsNet)

Wednesday, November 09, 2016

Can Your Clients Afford Their Life Insurance Premiums?

By Gissou Gotlieb, Field Suitability Compliance Officer

In this day and age where most things you can buy have labels advertising “extra-strength”, “long-lasting”, or “more for free” on them, it may be tempting to purchase something that is bigger with more bells and whistles. Life insurance products have also crept into a similar area where you may in some cases expect to get more out of your product than just a death benefit.

NAFA to Appeal Court Decision on DOL Fiduciary Rule

NAFA to Appeal Court Decision on DOL Fiduciary Rule 
NAFA Will Seek Expedited Review

WASHINGTON (November 7, 2016) — The National Association for Fixed Annuities (“NAFA”) announced today, following a federal district court decision upholding the Department of Labor’s fiduciary rule, that it will appeal to the D.C. Circuit Court of Appeals.

Judge Denies NAFA Injunction Request Against DOL Rule

Judge Denies NAFA Injunction Request Against DOL Rule
By John Hilton

(InsuranceNewsNet)

Wednesday, November 02, 2016

Are small business owners too busy to think about saving for retirement?

Are small business owners too busy to think about saving for retirement?
By Rodney Brooks

(Washington Post)

Adviser compensation, rollovers most complex factors under DOL fiduciary rule

Adviser compensation, rollovers most complex factors under DOL fiduciary rule
By Greg Iacurci

(InvestmentNews)

New Study: America's Retirement IQ is Low

By Indexed Annuity Leadership Council (IALC)


Boomers Lack Knowledge & Are Undersaved for Retirement


Building Your Brand

By Dina Mestel, Sales Trainer

What is a brand? It is the message that you are projecting to potential customers about your company, representing who you are, what you are trying to say, how you want to say it, and who you’re trying to reach with your message.

DOL Releases FAQs Guidance on Its Fiduciary Rule

DOL Releases FAQs Guidance on Its Fiduciary Rule
NAFA

Safeguard Your Professional Reputation

By Gissou Gotlieb, Field Suitability Compliance Officer

So, what are your business plans for the next 12 to 18 months? Still planning on doing business as usual? If you are in the financial industry dealing in insurance products and/or qualified accounts, your world may be about to change.

With the Department of Labor fiduciary rule going into effect in April 2017, producers need to realize that, most likely, business will change for them in the very near future. And while you take stock of your credentials, evaluate your lines of business, and determine how you can earn a living while taking care of your clients, you should also have another point in mind: your record.

As a financial services professional, you, your activities, and your background are subject to scrutiny. Your “record” can include things such as your criminal and financial history, regulatory actions, and character and ethical reputation, as well as other disclosable issues as defined by different jurisdictions and financial institutions (FIs). Depending on your licenses, registrations, and designations, your conduct and obligations for reporting various issues may be more or less restricted than others. During a time where the liability of the FIs, as defined by the DOL, is increasing, so may their scrutiny of your character and your record.

Considering the spotlight on client interest, regulators and financial institutions will be inclined to review producers’ backgrounds more closely and possibly with more prejudice. It is a good time to ensure that if you have kept your record clean so far, you continue to keep it clean. While you may think this goes without saying, I would say it does not. This must become a daily practice if not a habit. Decisions you make each day on how to deal with a client, what strategies or marketing material you use to make a sale, and what you say to make a sale can all impact your record. As some can attest, even what you do in your personal life can impact your record if it triggers one of the questions that different regulating entities or FIs ask on their paperwork or background checks.

In the new environment post-April 2017, sales are not the only thing that will need to be in the best interest of the client. I’m certain that the producer’s character and history will also play a key role in determining the institutions that will do business with them and the clients who will choose them. Keep your record clean!
 
Gissou Gotlieb | Field Suitability Compliance Officer
Ann Arbor Annuity Exchange
Ph: 800.321.3924 x134 | Dir: 734.786.6134
ggotlieb@annuity-exchange.com

____________________
Ann Arbor Annuity Exchange and its representatives do not give tax or legal advice. Please consult your tax advisor or attorney.

____________________
Designed for Financial Professionals.

AE974

Wednesday, October 26, 2016

18 Insurance Marketers Apply For DOL Exemption

18 Insurance Marketers Apply For DOL Exemption
By Cyril Tuohy

(InsuranceNewsNet)

Suitability Does Not Have to Be Scary

By James Morris, Suitability Specialist

In the spirit of the Halloween holiday, I would like to discuss something that some people find scary, but which doesn’t have to be: fixed index annuity (FIA) suitability. I have many conversations with agents concerning suitability for potential, pending, and declined FIA business. As you know, annuities are long-term products that are highly regulated. For that reason, among others, insurance carriers have created suitability programs and guidelines with a goal of protecting and educating both the producer and customer for current and future annuity business. Though not always popular, the guidelines do not have to strike fear into the heart of your client meetings.

First set of FAQs on fiduciary rule coming 'very soon,' but deadline extension 'not likely': DOL's Borzi

First set of FAQs on fiduciary rule coming 'very soon,' but deadline extension 'not likely': DOL's Borzi
By Greg Iacurci

(InvestmentNews

Social Security checks get measly $3.92 bump in 2017

Social Security checks get measly $3.92 bump in 2017
By Chris Isidore

(CNN Money)

Live from LIMRA: Tackling the DOL rule

Live from LIMRA: Tackling the DOL rule
By Emily Holbrook

(LifeHealthPro)

China Oceanwide agrees to pay $2.7 billion for Genworth

China Oceanwide agrees to pay $2.7 billion for Genworth
By Allison Bell

(LifeHealthPro)

Wednesday, October 19, 2016

Dos and Don’ts of Seminar Selling Under DOL Rule

Dos and Don’ts of Seminar Selling Under DOL Rule
By John Hilton

(InsuranceNewsNet)

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Prior to participating in any marketing campaigns/programs/Social Media, producers should follow the approval requirements of their state(s), carriers they represent, and their broker/dealer and registered investment adviser, if applicable.
 

Relationships Are Key in 2016

By Dina Mestel, Sales Trainer

There are many external elements affecting our industry today: market volatility, low interest rate environment, and of course the Department of Labor rule, to name a few. Market volatility remains on our clients’ short list of concerns. The Dow Jones Industrial Average has reached all-time highs in 2016, which is a great thing, but our memory of the 2008 correction continues to make clients concerned for what may come. In addition, no one ever expected the interest rate environment to continue at this historically low level for as long as it has. Finally, with the DOL fiduciary rule, the landscape of our industry is changing. We still do not have all the details on how it will change, but we do know that it will not be business as usual for many.
 

Make the most of 2016. 

Advisor designations: What does 'certified' really mean?

Advisor designations: What does 'certified' really mean?
Deborah Nason

(CNBC)

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Prior to participating in any new designation or certification program, producers should follow the approval requirements of their state(s), carriers they represent, and their broker/dealer and registered investment adviser, if applicable as the approval of designations/certifications vary greatly.
 

DOL: Fiduciary Rule May Lead To Fewer Annuity Recommendations

DOL: Fiduciary Rule May Lead To Fewer Annuity Recommendations
By John Hilton

(InsuranceNewsNet)

All Aboard with E-Apps – The Time is Now!

By Meghan Eiler, New Business Coordinator

No, we are not mind readers or fortune tellers here at Ann Arbor Annuity Exchange, but it is safe to say that our previous prediction of an “electronic application boom” in our industry has proved to be accurate! A few months ago I wrote an article titled “Jump on Board” that highlighted the push toward e-application processes on the part of various carriers on various lines of business. I spoke of the upcoming drive to go paperless and attempted to give a heads-up to the “wave of the future” that would affect how we do business.

Thursday, October 13, 2016

10 Money Moves to Make Before the Leaves Change

10 Money Moves to Make Before the Leaves Change
By Mikey Rox

(Wise Bread)

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Fixed Index Annuities are insurance products designed to meet long-term needs for retirement income, and they provide guarantees against the loss of principal and credited interest, and offer the reassurance of a death benefit for noted beneficiaries. For information on how different types of annuities work, including benefits, fees, terms and limitations, please contact your financial professional.

Avoid Delays: Get Your Clients Life Insurance Before 2017

By Matt Kaas, Life Marketing Consultant

It is that time of the year again: the air is starting to get brisk, the leaves are beginning to change colors, and our weekends are ruled by football. Unfortunately for the financial professional, it means that you are quickly running out of time if you plan on getting your clients’ life insurance coverage issued and in force before the end of the year.

Thrivent suit against DOL pits ERISA vs. Federal Arbitration Act

Thrivent suit against DOL pits ERISA vs. Federal Arbitration Act
By Nick Thornton

(BenefitsPro)

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Article may require (free) site registration to view. Contact AAAE for a copy if unable to access.

Attrition fears play into broker-dealers' hesitation to detail new commission schedules under DOL fiduciary rule

Attrition fears play into broker-dealers' hesitation to detail new commission schedules under DOL fiduciary rule
By Greg Iacurci

(InvestmentNews)

____________________
Article may require (free) site registration to view. Contact AAAE for a copy if unable to access.

Thursday, October 06, 2016

DOL Fiduciary Rule Is on the Docket

DOL Fiduciary Rule Is on the Docket
By Melanie Waddell

(ThinkAdvisor)

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Article may require (free) site registration to view. Contact AAAE for a copy if unable to access.

IRI study: Lifetime income providing financial security for retirees

IRI study: Lifetime income providing financial security for retirees
By Kristen Beckman

(LifeHealthPro)

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Article may require (free) site registration to view. Contact AAAE for a copy if unable to access.

Even the Lone Ranger Had a Trusted Ally



I once heard the aphorism, “If you try to be good at everything, you will be great at nothing.” I am sure that if you are reading this, you not only have great taste in literature, but you must care about your business. You care so much that you never want to give wrong information or miss an opportunity for a better product solution. You want to get your client what they need and try to stay between the ever-changing bounds of regulation. With the insurance and financial industry evolving at a breakneck pace, how will you ever manage to stay on top of all the changes in regulations and products? The answer is, you won’t – at least not alone.

‘Rolling’ DOL Fiduciary Guidance Begins in Fall: DOL’s Hauser

‘Rolling’ DOL Fiduciary Guidance Begins in Fall: DOL’s Hauser
By Melanie Waddell

(ThinkAdvisor)

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Article may require (free) site registration to view. Contact AAAE for a copy if unable to access.

ReminderMedia Lands on the Inc. Magazine List of America’s Fastest-Growing Private Companies

ReminderMedia Lands on the Inc. Magazine List of America’s Fastest-Growing Private Companies    
(ReminderMedia)

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Ann Arbor Annuity Exchange is not affiliated with the Reminder Media. Although we may promote and/or recommend the services offered by this company, we do not guarantee the accuracy or quality of their services. Agents are ultimately responsible for the use of any materials or services and agree to comply with various regulations and the compliance requirements of their state(s), broker/dealer and registered investment adviser (if applicable), and the insurance carriers they represent.
 

Wednesday, September 28, 2016

NAIFA ratchets up FI focus as DOL phases in fiduciary rule

NAIFA ratchets up FI focus as DOL phases in fiduciary rule
By Warren S. Hersch

(LifeHealthPro)

Judge Could Issue Partial Block of DOL Rule, Lawyer Says

Judge Could Issue Partial Block of DOL Rule, Lawyer Says
By John Hilton

(InsuranceNewsNet)

Convertible: Not Just for Sports Cars!

By Matt Kaas, Life Marketing Consultant

Convertible. Did you instantly think of the shiny red convertible that you have always dreamed of owning (or may be already sitting in your garage)? Well if you are anything like me, your first thought was convertible and renewable term life insurance, and convertibility options.

Illinois Court Declares Fixed Indexed Annuities Are Not Securities

Illinois Court Declares Fixed Indexed Annuities Are Not Securities
By Annuity Outlook Staff

(Annuity Outlook Magazine)

Kansas Judge ‘Sympathetic’ to Market Synergy DOL Case

Kansas Judge ‘Sympathetic’ to Market Synergy DOL Case
By John Hilton

(InsuranceNewsNet)

Calculate Your Life Insurance Needs (Life Happens)

Calculate Your Life Insurance Needs (Life Happens)
When purchasing life insurance, the question really isn’t how much you need, but how much capital your family will need at the time of your death, which depends on two variables:


Wednesday, September 21, 2016

Got a fiduciary question? DOL to issue FAQs soon

Got a fiduciary question? DOL to issue FAQs soon
By Andrew Welsch

(On Wall Street)

#LIAM16


Fall is right around the corner...get a pumpkin spice latte or pay for life insurance instead?

____________________
Materials available on the Life Happens website and within the Life Insurance Awareness Month campaign may not be compliance-approved. AAAE & Life Happens are not affiliated.

Compliance support for advisors will be key with DOL fiduciary rule

Compliance support for advisors will be key with DOL fiduciary rule
By Nick Thornton

(Benefits Pro)

House Committee Passes Bill to Reverse Dodd-Frank, DOL Rule

House Committee Passes Bill to Reverse Dodd-Frank, DOL Rule
By John Hilton

(InsuranceNewsNet)

When Your Life Changes, Should Your Life Insurance Change Too?



I found myself at a wedding expo once, helping set up behind the scenes. There were lots of vendors there with booths touting everything from catering, photography, and flowers, to honeymoon destinations and jewelry. On the way out it struck me – I had not seen a single vendor offering the protection of life insurance to young couples that were planning a life together.

Wednesday, September 14, 2016

Nearly half of IRA rollover assets “at-risk” under DOL rule

Nearly half of IRA rollover assets “at-risk” under DOL rule
By The LifeHealthPro Editors

(LifeHealthPro)

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Please note that in order to provide a recommendation to a client about the liquidation of a securities product, including those within an IRA, 401(k) or other retirement plan, to purchase a fixed or variable annuity or for other similar purposes, you must hold the proper securities registration and be currently affiliated with a broker/dealer or registered investment adviser.  If you are unsure whether or not the information you are providing to a client represents general guidance or a specific recommendation to liquidate a security, please contact the individual state securities department in the state(s) in which you conduct business. 

Jimmy and Nancy Tang: Securing the American Dream (Video)

Play: https://www.lifehappens.org/videos/securing-the-american-dream/
Jimmy and Nancy Tang: Securing the American Dream (Video)
(Life Happens)

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Materials available on the Life Happens website and within the Life Insurance Awareness Month campaign may not be compliance-approved. AAAE & Life Happens are not affiliated.

Provision to kill DOL fiduciary rule included in new bill to replace Dodd-Frank

Provision to kill DOL fiduciary rule included in new bill to replace Dodd-Frank
By Mark Schoeff Jr.

(InvestmentNews)

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Article may require (free) site registration to view. Contact AAAE for a copy if unable to access.

The Time Is Now for FIUL

The Time Is Now for FIUL
(Allianz Life Insurance Company of North America)

Texas judge denies all but 2 briefs in DOL fiduciary hearing

Texas judge denies all but 2 briefs in DOL fiduciary hearing
By Melanie Waddell

(LifeHealthPro)

Wednesday, September 07, 2016

Asset-based long-term care: A versatile wealth protection weapon for financial professionals

Asset-based long-term care: A versatile wealth protection weapon for financial professionals
By Pat Foley, CLU, ChFC

(LifeHealthPro)

___________________
Please discuss how life insurance and annuities work with your clients, including fees, expenses and conditions. Note, in order to provide a recommendation to a client about the liquidation of a securities product, including those within an IRA, 401(k) or other retirement plan, to purchase a fixed or variable annuity or for other similar purposes, you must hold the proper securities registration and be currently affiliated with a broker/dealer or registered investment adviser.  If you are unsure whether or not the information you are providing to a client represents general guidance or a specific recommendation to liquidate a security, please contact the individual state securities department in the state(s) in which you conduct business.

Death Benefits in Limbo:

By Matt Kaas, Life Marketing Consultant

How to Check If You Are the Beneficiary of an Unclaimed Life Insurance Death Benefit

How many times have you purchased a Powerball or Mega Millions lottery ticket? In 2015, you had a one in 292 million chance of winning the Powerball jackpot – those are some seriously small odds! You have a far better chance of being the beneficiary of an unclaimed life insurance death benefit. There is at least $1 billion in life insurance proceeds waiting to be claimed by beneficiaries, and the odds that you, or your clients, are one of them is 1 in 600. And although you won’t become a millionaire, the average unclaimed death benefit is $2,000 and has been as high as $300,000.[1]

#LIAM16













____________________
Materials available on the Life Happens website and within the Life Insurance Awareness Month campaign may not be compliance-approved. AAAE & Life Happens are not affiliated.

Indexed Annuity Sales Fall Just Short of Record

Indexed Annuity Sales Fall Just Short of Record
By John Hilton

(InsuranceNewsNet)

Wink, Inc. Releases 2nd Quarter, 2016 Non-Variable Deferred Annuity Sales Results

Wink, Inc. Releases 2nd Quarter, 2016 Non-Variable Deferred Annuity Sales Results
(Wink)

SECOND QUARTER 2016 NON-VARIABLE DEFERRED ANNUITY SALES

SECOND QUARTER 2016 NON-VARIABLE DEFERRED ANNUITY SALES
By Sheryl J. Moore

(Wink)

Wednesday, August 24, 2016

Retirement Confidence Has Stalled Out: How To Jumpstart It

Retirement Confidence Has Stalled Out: How To Jumpstart It
By Richard Eisenberg

(Forbes)

Successful Selling: Multi-Generational Wealth… or Health?

By Mark Zinder

About the author: Mark Zinder was National Spokesman for Franklin Templeton and has worked with money managers such as Sir John Templeton, Michael Price and Dr. Mark Mobius. With 33 years of experience in the financial sector, Mark now travels the country as a speaker and coaches the top financial services professionals in the industry.

Recently, Ann Arbor Annuity Exchange invited Mark to speak at one of our producer events. Mark was happy to share one of his many ideas with our producers. One of his many skills is his ability to use stories to sell. We found his insight very valuable and thought to pass it on to you!


Why older Americans are working through their golden years

Why older Americans are working through their golden years
By Lisa Du

(MSN)

Your Clients: Less Financially Literate Than You Think

Your Clients: Less Financially Literate Than You Think
By Melanie Waddell

(ThinkAdvisor)

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Article may require (free) site registration to view. Contact AAAE for a copy if unable to access.

Wednesday, August 17, 2016

New Retirement Survey: Americans’ Top Three Retirement Fears

New Retirement Survey: Americans’ Top Three Retirement Fears

(IALC)

What Do You Put into Your Client Notes?

By Gissou Gotlieb, Field Suitability Compliance Officer

Most inventions seem like a good idea, initially, until they are not. The time it takes to go from good idea to bad is often imperceptible. While it may be exciting to learn of solutions that make our lives easier, it is also prudent to be familiar with the proper way of using the new solution and understand for whom it was designed.

Wednesday, August 10, 2016

Understanding the Non-Qualified Aggregation Rule



The non-qualified annuity aggregation rule is a lesson in tax awareness. While I’m not a tax professional, I want to shed some light on IRS Rule Sec. 72(e)(12) as a reminder of how taxation of annuity withdrawals may be treated in this specific scenario.

This simple retirement spending strategy takes on the 4% rule

Check out this interesting concept to see if it may be suitable for your clients.
- AAAE

This simple retirement spending strategy takes on the 4% rule
By Mary Beth Franklin

(InvestmentNews)

____________________
Article may require free registration to view.
 
Annuities are insurance products designed to meet long-term needs for retirement income, and they provide guarantees against the loss of principal and credited interest, and offer the reassurance of a death benefit for noted beneficiaries. See product terms and conditions for specific details. For information on how different types of annuities work, including benefits, fees, terms and limitations, please contact your financial professional.

New Allianz Life Study Shows Strong Interest for Financial Solutions that Offer Opportunity for Increasing Income

New Allianz Life Study Shows Strong Interest for Financial Solutions that Offer Opportunity for Increasing Income
Allianz Life

LIMRA Secure Retirement Institute Predicts Indexed Annuity Sales to Exceed $60 billion in 2016

LIMRA Secure Retirement Institute Predicts Indexed Annuity Sales to Exceed $60 billion in 2016
LIMRA

IRI Issues First-Quarter 2016 Annuity Sales Report

IRI Issues First-Quarter 2016 Annuity Sales Report
By NAFA Staff

(Annuity Outlook Magazine)