Review & Outlook
According to economist Jeffrey Brown: "People can expect to live one-fourth to one-third of their lives in retirement. This requires a lot of planning. The challenge is to make a nest egg last a lifetime in the face of uncertainty about how long one...
The Optional Federal Charter proposal might lead to producers needing only a single national license.
From the early days of life insurance in the United States, the states have regulated the business. The system worked well for generations,...
Throughout 2005, the individual health market has been redefined by a new set of industry expectations that are shaping the way we do business. This year was characterized by consumer growth, plan diversification, increased carrier competition, and a...
We live in an increasingly consumer-driven benefit world as defined contribution retirement solutions, health savings accounts, and high-deductible health plans continue to gain popularity. This consumer-driven concept is expanding to other benefits...
The year's catastrophic events in the Gulf Coast and Florida continue to illustrate the critically important benefits delivered by the products and representatives of our business.
When all else seems gone, destroyed, and unknown, the guarantees and...
The fixed annuity industry is entering the most tumultuous time of its nascent history. The modern back-end loaded (declared rate or indexed) annuity has come under attack on multiple fronts, including uninformed, one-sided stories in the consumer...
As I look back at 2005 and then forward toward the new year, I'm reminded of the saying, "May you live in interesting times." Whatever else you might think about the challenges facing our industry, you'd have to agree that they are interesting ...
...
...
...
...