June 2008
Table of Contents
Editor Column: Kate Kinkade
Healthcare San Francisco Style
by Leila Morris
•San Francisco’s experiment with universal healthcare is underway. Will this kind of reform spread statewide?
How Old-Fashioned Service Delivers More Ancillary Sales
The more agents educate themselves on ancillary benefits, the more they’ll see the value of delivering “old-fashioned service.”
Dental Benefits – You Should Know About This Coverage
by Jim Pogue and Richard Goren, DDS
• Some may wonder why the industry hasn’t found a better way to serve consumers who seek cosmetic treatment.
Vision Benefits More Than Meets the Eye
by Patrick McClelland
• Beyond the cost benefits, comprehensive vision plans allow brokers to offer clients a lot more than what meets the eye.
Vision Benefits – Don’t Overlook Vision When Evaluating Benefit Options
by Andre Turnage
•Vision problems cost U.S. businesses $8 billion annually making them it the third leading chronic condition inhibiting productivity
Vision Benefits – Preventive Eye Care–Focusing on a Productive Workforce
by Douglas Cappiello, MD
• Poor vision is the second most prevalent health condition in the United States after heart disease.
Disability – Finding the Untapped Market for Disability Insurance for Doctors
by Michael Hagedorn CLU, CFP
•Business disability products offer a unique opportunity to deliver a benefit solution far in excess of perceived limitations.
Disability – Physicians Look to Group Coverage
by Patricia M. Pfeifer
• Financial realities are prompting phy-sicians to reevaluate their disability insurance premiums.
Employee Assistance Programs – Reintegration For Veterans
by Michael Fradkin
• A benefit program that meets a diverse workforce’s needs gives your clients an advantage.
Employee Assistance Programs–Beyond the Disease – Seeking a Quality of Work Life for Cancer Survivors
by Kenneth Mitchell, Ph.D.
• As the workforce ages and the incidence of cancer grows, employers must redirect their benefits.
Employee Assistance Programs –Helping Employees Reach Full Potential
by Laurie Wright
•An EAP can help employees and their families resolve issues before they become unmanageable.
The Financial Underwriting Test: Does It Make Sense?
by Denise M. Desautels
• Assembling the right information and providing an underwriter with a compelling picture of the client can help achieve your desired outcome.
LIfe Settlements As the Ideal Investment
by Kirk Davis
• Life settlements offer new hope for policyholders who no longer need their policies.
Bad Life Settlement Laws Threaten Consumers and Industry Equally
by Doug Head
• Stranger originated life insurance (STOLI) is a blemish on the secondary market for life.
Life Settlement Awareness Month Highlights Education
by Larry Simon
• Lack of education keeps many professionals from entering this growing market.
How the Secondary Market for Life Insurance can Build Your Business
by John Zepeda
• Access to the wealth transfer market is an exciting opportunity.
LIfe Settlement Industry–Get Thee to an Attorney
by James W. Maxson
• Speaking to an attorney is critical for all industry participants.
Rethinking Life Settlement Regulation
by I. James Cavoli, Life Settlement Insights
Could better regulation actually benefit the life settlement industry? Read on to find out.
Long-Term Care: Tall and Thin vs. Short and Fat vs. Just Right
by Louis H. Brownstone
• This article discusses the advantages and shortfalls of different policy structures
Estate Planning for Life Insurance Producers
by Gregory E. Schwabe, FLMI
• Estate planning is (or should be) a function of every life producer.
Get a Large Deduction With a 412(e)(3) Retirement Plan
by Lance Wallach
• How defined benefit plans provide business owners with big deductions.