Product Portfolio

  • Life Happens Seeks Applications for 2015 Life Lessons Scholarship Life Happens Seeks Applications for 2015 Life Lessons Scholarship

     Nonprofit Organization will Award an Unprecedented $225,000 to 28 Deserving Students

    Life Happens, a nonprofit organization dedicated to educating Americans about the importance of life insurance, is now accepting applications for its annual Life Lessons Scholarship Program read more
  • Using Voluntary Benefits to Maintain Robust Coverage Using Voluntary Benefits to Maintain Robust Coverage

     Avoid the “Cadillac Tax”

    The report of findings from the SHRM/EBRI 2014 Health Benefits Survey reveals that, at present, no option dominates as the primary planned action to avoid the Cadillac Tax, and many plan sponsors (29.4 percent) do not yet know what they will do to avoid it. read more
  • Small Biz Health Care Survey: Affordability Still a Major Concern Small Biz Health Care Survey: Affordability Still a Major Concern

    Top 5 Affordable Care Act Tips to Help Small Businesses
    Prepare Before Closing of Open Enrollment Period

    Over 66% of small business owners responding to a new survey conducted by the National Association for the Self-Employed (NASE) ranked “decreasing monthly premiums” as the one thing they would change about their current health care plan. read more
  • Irrevocable Spousal Lifetime Access Trust Irrevocable Spousal Lifetime Access Trust

    How the I-SLAT can provide income for the spouse of the grantor

    by Russell E. Towers JD, CLU, ChFC

    One drawback to a typical Irrevocable Life Insurance Trust (ILIT) is that your client and spouse lose direct access to the policy cash values during lifetime. This loss of access to potential tax free policy withdrawals (FIFO) may cause your client to hesitate when considering an ILIT. read more
  • IRI Commends Policymakers for Retirement Security Legislation IRI Commends Policymakers for Retirement Security Legislation

    Sens. Collins and Nelson Reintroduce the Retirement Security Act;
    Companion Legislation Introduced in House by Reps. Buchanan and Kind

    The Insured Retirement Institute (IRI) released a statement from IRI President and CEO Cathy Weatherford after the Retirement Security Act was introduced today by Senate Special Committee on Aging Chairwoman Susan Collins (R-Maine) and Sen. Bill Nelson (D-Fla.) to allow more small businesses to join multiple employer plans (MEPs). read more
  • Unemployment for People With Disabilities Drops in 2014 Unemployment for People With Disabilities Drops in 2014

    SSDI Applications Continue Downward Slide;
    Social Security Disability Insurance Applications Declined to Lowest Quarterly Level in Six Years

    Unemployment for people with disabilities was significantly lower in 2014 compared to previous years, and applications for Social Security Disability Insurance (SSDI) benefits continued their downward progress -- reaching the lowest quarterly level in six years, according to a study by Allsup, the nation's premier Social Security disability representation company. read more
  • Gen-X: The Opportunity of ‘Right Now’ Gen-X: The Opportunity of ‘Right Now’

    Stuck in the middle again...

    by Nilufer R. Ahmed, Ph.D.

    When presenting research on the generations, I'm often asked why so much attention is given to Gen Y and so little to Gen X. LIMRA and other organizations certainly study Gen X (ages 33-50) but it's fair to say they receive less attention than Gen Y (ages 25-32) and Baby Boomers (Ages 51-65). read more
  • Securian’s Digital Characters Explain Insurance Securian’s Digital Characters Explain Insurance

    Ellie and Bert use humor and everyday language in off-beat, up-beat online experience

    Ellie is a chipper, helpful woman whose brother-in-law Bert left his “cushy” insurance job to follow his dream to become a singer. Ellie says Bert is going to help her explain group critical illness (CI) insurance. In song. read more
  • 5 Businesses Innovation Killers 5 Businesses Innovation Killers

    Don't look now, but they lurk within

    The work of innovative thinkers is why the world has smartphones, laptop computers, toaster ovens and numerous other gadgets and creative approaches to problem solving. Yet groundbreaking ideas aren’t always welcome in the corporate world or within other institutions. read more
  • MassMutual Updates Worksite Disability to Meet the Needs of an Aging Workforce MassMutual Updates Worksite Disability to Meet the Needs of an Aging Workforce

    MaxElect13 features increased maximum issue age,
    decreased rates for older workers

    With a record number of older Americans remaining in the workforce, MassMutual is enhancing its individual disability income insurance product sold at the worksite by making it more available and more attractive to workers age 65 and older. MassMutual’s MaxElect13 disability income policy includes an increased maximum issue age to 80 and decreased rates for workers ages 65-75. read more
  • Average Costs For Long Term Care Insurance Rise 8.6 Percent Average Costs For Long Term Care Insurance Rise 8.6 Percent

    High claims, low interest rates converge

    Overall costs for new long term care insurance coverage increased 8.6 percent compared to one year ago, according to the just published 2015 Long Term Care Insurance Price Index. read more
  • The Spies Inside Your Phone The Spies Inside Your Phone

     Many Apps Can Track Your Location And Share Your Information

    You just had a flat tire along a dark country road. Luckily, you downloaded a flashlight app into your cellphone and now can put it to use. But that flashlight, handy as it is, may be just one of many doors you unwittingly opened to let spies take up residence inside your phone. read more
  • A New Women’s Movement? A New Women’s Movement?

    Women Are Sharing What They Know—and Changing the World

    For women, the picture has never been rosier. For one thing, we are making huge strides in the business world. In fact, according to American Express OPEN, between 1997 and 2014 the number of women-owned businesses in the U.S. increased by 68 percent—a rate 1½ times the national average. read more