The transfer of wealth may require a more sophisticated strategy than an annuity by itself. The following link demonstrates for your clients how a deferred annuity, our greatest wealth accumulation vehicle, can be used in conjunction with other strategies to minimize estate tax burdens: IncomeShielded_AnnuityMax For more info on AgentLink’s Annuities offering, email annuities@agent-link.net
With the stock market near all-time highs and interest rates at record lows, investment advice prospects aren’t easy to find. And they are even harder to move. Solution around this current prospecting problem: prospect individual company 401(k) retirement plan participants who work at the same companies as your current clients. Every investment advisor has clients who interact with … Read more
More insurers will compete for consumers’ business on the exchanges during the second year of Obamacare enrollment. The number of insurers selling products on the state and federal exchanges will increase by at least 25% for 2015, the CMS announced Tuesday. There will be 77 additional health plans participating in the 44 states for which … Read more
Last year’s change to the longstanding use-it-or-lose-it rule for flexible spending accounts is driving double-digit enrollment growth. Alegeus Technologies said this week that clients who have actively promoted the FSA rollover allowance to their employer groups and eligible employees are seeing 11 percent incremental growth in FSA enrollment and 9 percent growth in FSA elections — compared to … Read more
Patients in Medicare Advantage plans are better off than those in traditional Medicare plans — because they’re getting more benefits. New HealthPocket analysis found that 97 percent of Advantage plans provided coverage for a minimum of one extra insurance benefit — vision, dental, or hearing — not covered by Medicare. And 42 percent of Advantage … Read more
The Obama administration reported this week that Medicare Advantage enrollment is at an all-time high despite criticized cuts to the program. The Centers for Medicare & Medicaid Services said that enrollment is projected to hit an all-time high for the fifth straight year, while claiming that costs for the program have remained stable. The average … Read more
The RPPO MAPD (R5826-008) plan is non-commissionable in some counties. Please CLICK HERE for the complete notification from Humana. The LPPO plan will be offered in these counties (refer to page 6 in the notification showing the LPPO counties). The RPPO plan is going up from $66 to $79 in 2015; the LPPO plan will be $66 in 2015. Members currently … Read more
A health insurer that wants to change its major medical product menu in 2015 will have to think hard about where the enrollees go next. Jackie Garner, the new acting director at the Center for Consumer Information & Insurance Oversight (CCIIO), talks about the rules governing major medical product menu changes in a bulletin aimed at … Read more
Life insurance products continue to be popular, particularly as carriers introduce new types of riders and other product features to attract more customers. Experts describe some of the latest trends in life insurance — and what’s driving its growth — including the expansion of value-added services and the evolving distribution of coverages on the exchanges. Term, indexed … Read more
There’s no shortage of debate about whether the Employee Retirement Income Security Act is meeting the retirement challenges now facing baby boomers and generations to follow. But there’s no debating that the law ushered in some monumental changes, enhancing, if not revolutionizing, the concept of retirement as the country knows it today. Here are the … Read more
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