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Bears are giving up and that could be a bad sign
Breakfast with Benjamin: What's it mean when bears capitulate? Plus: The housing market recovery and homebuilder ETFs; 529s not so popular and here's why; Apple's big news; and the long-term-care insurance question.
Long-term care carriers
CompanyNew 2013 PoliciesNew 2013 Annualized premiums ($M)In-force Policies, 2013In-force Annualized premiums ($M), 2013Bankers Life and Casualty 1, 27,248$12.0 283,996$476.3 Genworth Financial 353,974$133.8 1,209,869$2,508.8 John Hancock Life Insurance 313,305$36.2 604,889$1,394.9 Knights of
One of industry's last holdouts, NAIFA elects its first female president
With women representing only 11.5% of advisers, trade group plans to highlight women in industry.
Beware of the blind side
If your clients think Medicare will cover most, if not all, of their health care costs in retirement, they are sorely mistaken.
Can an adviser affiliated with an insurance company be fee only? Yes.
State rules on insurance affiliation complicate fee-only status for some CFPs.
Treasury allows longevity annuities in retirement plans
The Treasury Department announces a rule that will allow retirement plan participants access to deferred-income annuities, also known as longevity insurance.
In divorce, retirement is at risk
Splitting a retirement plan in divorce often means tax problems. While matrimonial attorneys usually assist in the division of assets, 401(k)s, IRAs and other retirement plans require special handling since eventual distributions generally will be taxable. Unlike most other assets, retirement funds
Early filers regret Social Security claiming decisions
Nearly 40% of retirees who claimed Social Security benefits before full retirement age now regret their decision, according to a new survey released Wednesday.Retirees can claim Social Security benefits as early as 62, but their benefits are permanently reduced by 25% compared to waiting until
Morningstar-HelloWallet deal ups the ante for financial wellness services
Viewing workers' retirement savings in the context of their full financial picture may be the next frontier for retirement plan services.
IRI to provide health care cost tool to members
Tool will enable IRI member firms to project how much retirees will spend on health care.
Account opening is No. 1 tech concern: Survey
Beacon finds 'client onboarding' has replaced social-media archiving as brokers' biggest technology challenge.
Higher rates can blunt long-term-care errors, Genworth CEO says
The largest seller of long-term-care coverage is counting on periodic rate increases of 2% to 4% to maintain profit targets.
Have the courage to talk about LTC
It's a tough discussion that's not going away. It's only going to get tougher.
Dynasty branches out to the insurance side
New offering opens up access to insurance brokerages offering annuities, disability, long-term care.
Long-term care planning requires turning focus away from health
To make long-term-care planning palatable to clients, advisers need to break through clients' false sense of invulnerability first. Clients get defensive when talking about the possibility that they one day may become incapable of caring for themselves. That emotion applies to both primary earners