HEALTH INSURANCE: MODULE V-H OVERVIEW Health insurance has grown into a vast and complicated field involving many types of policies and programs: Group, individua...

When choosing a Health insurance program, it's all too easy to drown in an alphabet soup of acronyms -- everything from ACOs (Accountable Care Organizations) to WHRN (Whole Health Resources Networks).

HOW A CSR CAN ASK CLIENTS ABOUT LIFE INSURANCE A group of Los Angeles gang members recently were taken rafting on the Colorado river. Street-smart toughs suddenly became timid boys fearful of...

How you value your L/H book of will impact perpetuation, profits, and cross-selling opportunities.

Tens of millions of Americans don’t have wills, in spite of the abundance of online will makers today. Tens of millions of Americans don’t have life insurance. The scary thing is, these groups overlap to a large degree. There are millions of people out there who neither have wills nor life insurance policies, whose families will struggle in the event of their death.

There’s no time better than the beginning of the year to set some fiscal goals and create a plan for improving your financial situation. You are probably ready for a brand new beginning and the thought of sticking to a budget after the holiday spending spree might sound a little more appealing than it would at any other time of year. Here is a step-by-step guide to create some annual goals as well as a financial plan that will help usher in a whole new financial foundation for you and your family.

Most people do not look forward to planning the distribution of assets upon their death. However, it is a task that all of us must face. And, that’s where trusts enter the estate-planning arena. A trust is simply an arrangement whereby one person holds legal title to an asset and manages it for the benefit of another. In one form or another, it may be used in personal financial planning.

IDEA CENTER: MODULE VI In this module you'll find a gathering of ideas from P/C agents across the country who are selling Life insurance. The idea is for you to see how other agents are...

'We don't want to be all things to all people,' says one agency manager, 'so we want to identify a niche for Life insurance agents to master. Do you have any suggestions?'

Annuities are presently the source of nearly half of Life companies' premium income. A couple of decades or so ago, the figure was just 11%, according to a recent Life Insurance Management Research Association (LIMRA) study.