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The USA-Life-Insurance blog is here to inform and educate about life insurance topics and news. This life insurance blog is designed to be a resource of definitive and timely news about life insurance and insurance in general.

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Social Security payee system could fail your clients

Social Security payee system could fail your clients Some of the people affected by this problem could be your disability or long-term care clients. Source: Life Insurance News

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Commonwealth Financial Group absorbs two other MassMutual agencies

Commonwealth Financial Group absorbs two other MassMutual agencies The general agency's advisors now help 95,000 clients with $6 billion assets. Source: Life Insurance News

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Panel hopes to develop short-term care insurance model law

Panel hopes to develop short-term care insurance model law An industry group says policy sales volume has been growing quickly. Source: News

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GOP may use subsidy case to smother ACA exchange system

GOP may use subsidy case to smother ACA exchange system Republicans have questioned whether HHS can make cost-sharing reduction program payments legally. Source: News

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Justice announces Social Security disability fraud plea

Justice announces Social Security disability fraud plea Claimants received $550 million in benefits based on falsified medical documents, officials say. Source: News

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Macquarie gets CIT financing for California storage project

Macquarie gets CIT financing for California storage project Prudential Financial is one of the world's leaders in efforts to back energy storage systems. Source: Life Insurance News

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Charles Murphy, partner at Paulson's hedge fund, dies at 56

Charles Murphy, partner at Paulson's hedge fund, dies at 56 One of Murphy's big moves was to help recapitalize CNO Financial Group. Source: Life Insurance News

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We don't know whether Obamacare was a net gain

We don't know whether Obamacare was a net gain The author wonders whether extra access to checkups really made people healthier. Source: Markets

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Addressing the shortage of millennial financial advisors

Addressing the shortage of millennial financial advisors The need for an infusion of young financial advisors is urgent and immediate, but there are hurdles when it comes to recruitment. Source: Life Insurance News

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2016's Top 10 annuity providers ranked by NAIC

2016's Top 10 annuity providers ranked by NAIC Find out who was up, who was down and who was new in NAIC's 2016 ranking of annuity providers. Source: Life Insurance News

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Bridge the gap with critical illness insurance

Bridge the gap with critical illness insurance Few products can help bridge a gap quite like critical illness insurance. Source: Life Insurance News

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4 ACA change paths that just got more popular

4 ACA change paths that just got more popular Diana DeGette, Jared Polis and Charles Grassley would like to try to make a centrist deal. Source: News

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Right-size your practice and quiet the noise

Right-size your practice and quiet the noise Ultimately, we all need to get ourselves healthy; financially, physically and emotionally. That way, we’re in a great place to dispense prudent advice. Source: Life Insurance News

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Web-based health broker to stay independent, for now

Web-based health broker to stay independent, for now The board of eHealth says it has rejected offers from would-be investors and acquirers. Source: News

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Leveraging permanent life in retirement and protection planning

Leveraging permanent life in retirement and protection planning Many people may not be aware that a permanent life insurance policy may help them address a critical challenge their retirement portfolio could face. Source: Life Insurance News

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2016's top 10 life insurance providers ranked by NAIC

2016's top 10 life insurance providers ranked by NAIC The company names may be familiar, but not all of 2016's Top 10 life insurers experienced positive growth. Source: Life Insurance News

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Goldman Sachs gets serious about robo-adviser services

Goldman Sachs gets serious about robo-adviser services Goldman Sachs Group Inc. plans to hire a software developer to help open an automated investing service for mass-market wealth clients. Source: Life Insurance News

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What a benefits communication firm is telling clients now

What a benefits communication firm is telling clients now DirectPath has come up with a Washington-resistant approach to describing itself. Source: Markets

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Are you wasting money on customer experience?

Are you wasting money on customer experience? The vast majority of customer experience improvement programs launched by insurance providers will fail, according to a recent study by Avaya. Source: Life Insurance News

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Now in the GOP’s crosshairs on Capitol Hill: the estate tax

Now in the GOP’s crosshairs on Capitol Hill: the estate tax House bill H.R. 25 would replace the federal income, estate and gift taxes, plus the federal payroll tax, with a national sales tax. Source: Life Insurance News

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Does Uncle Sam comply with the DOL fiduciary rule?

Does Uncle Sam comply with the DOL fiduciary rule? The rickety Pension Benefit Guaranty Corp. keeps collecting premiums from employers. Source: Markets

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3 opportunities in the health gap market

3 opportunities in the health gap market Wes Thompson says consumers still need more help with filling protection holes. Source: News

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Ryan pulls H.R. 1628, says ACA is here to stay

Ryan pulls H.R. 1628, says ACA is here to stay Ryan said he thinks Republicans will have an easier time with tax reform. Source: News

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Here are the Hill lawyers behind the ACA change efforts

Here are the Hill lawyers behind the ACA change efforts Source: News

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Anthem, in D.C. Circuit, fights to save $54B Cigna merger

Anthem, in D.C. Circuit, fights to save B Cigna merger A lawyer for Anthem said completion of the deal would put "dollars in the consumer's pocket." Source: News

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3 ways ACA change failure could affect agents and their clients

3 ways ACA change failure could affect agents and their clients Maybe you could be a movie star. Source: Markets

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H.R. 1628: House prepares to vote on ACA change bill

H.R. 1628: House prepares to vote on ACA change bill An essential health benefit section appears to give EHB package control to the states. Source: News

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One simple trick for writing great marketing emails

One simple trick for writing great marketing emails Writing marketing copy or emails may be one of the most challenging tasks you’ll encounter as an insurance agent or financial advisor. Here's a trick to make your writing more easygoing and unique. Source: Life Insurance News

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Even San Francisco, flush with tech wealth, has pension problems

Even San Francisco, flush with tech wealth, has pension problems The tech boom failed to insulate San Francisco from a problem well known to industrial-era towns: the rising cost of pensions. Source: Life Insurance News

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H.R. 1628 chaos raises odds for ACA survival

H.R. 1628 chaos raises odds for ACA survival Jared Polis, a House Rules Democrat, said many Democratic colleagues want to work on a bipartisan ACA change bill. Source: News

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Stop-loss and malpractice bills near the House floor

Stop-loss and malpractice bills near the House floor The House Rules hopes to mark up H.R. 1215 and H.R. 1304 next week. Source: News

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Wake up, Dave Ramsey: Your math is flawed

Wake up, Dave Ramsey: Your math is flawed Bad math can make something completely wrong sound completely right. That's why financial nerds (like this columnist) are repelled by Ramsey and those like him. Source: Life Insurance News

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UnitedHealth dominates Medicare Advantage growth chart

UnitedHealth dominates Medicare Advantage growth chart A Mark Farrah Associates analysis shows enrollment at smaller carriers grew 5.5 percent. Source: News

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Life insurance prospects want a retail sales experience

Life insurance prospects want a retail sales experience A new study reveals that consumers expect transparency from a life insurance purchase the same way they would for buying other retail products or travel. Source: Life Insurance News

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Judge slams 'Chevron' deference in FMLA retaliation case

Judge slams 'Chevron' deference in FMLA retaliation case The case involved an employee who took medical leave for migraine headaches. Source: News

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American workers lack confidence, feel stressed about retirement

American workers lack confidence, feel stressed about retirement While 60 percent of workers share some optimism about their retirement, that number is falling, according to the 2017 Retirement Confidence Survey. Source: Life Insurance News

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Agent develops H.R. 1628 alternative

Agent develops H.R. 1628 alternative Jeff Holloway has an ACA change plan based on decades of helping people get covered. Source: News

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How to make term life insurance do more

How to make term life insurance do more By using more creative approaches that capture a client’s interest and imagination, advisors can deliver what clients want at a lower cost. Source: Life Insurance News

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Two in five Americans say they’ll need $1 million to retire

Two in five Americans say they’ll need million to retire Only 41 percent of workers have even tried to figure out how much they need in savings to retire comfortably. Source: Life Insurance News

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H.R. 1628: 3 ways House Rules warmed things up

H.R. 1628: 3 ways House Rules warmed things up Democrats still hate the ACA change bill, but panel members were communicating. Source: News

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5 questions about health care reporting this tax season

5 questions about health care reporting this tax season As your clients work to fulfill their 2016 reporting obligations by the March 31 deadline, they likely have many questions about what, how, and even if they still have to file for the 2016 ACA reporting year. Source: Markets

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House passes antitrust and association plan bills

House passes antitrust and association plan bills A Democrats said the association health plan bill could weaken state insurance regulation. Source: News

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Here's how to leverage online client reviews [infographic]

Here's how to leverage online client reviews [infographic] The digital age has provided each of us with the power to fire off a potentially business-killing social media comment or online review just as fast as we can tap or type. Source: Life Insurance News

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Cuomo says GOP plan to win ACA overhaul votes would harm New York

Cuomo says GOP plan to win ACA overhaul votes would harm New York A proposal could make the state spend $2.2 billion more on Medicaid for counties outside New York City. Source: News

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GOP bill's Medicaid cuts draw fire from insurers, governors

GOP bill's Medicaid cuts draw fire from insurers, governors Michigan's Republican governor says H.R. 1628 cuts cash without cutting much red tape. Source: News

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Texas judge denies emergency request to block DOL fiduciary rule

Texas judge denies emergency request to block DOL fiduciary rule Plaintiffs failed to satisfy four factors required to obtain an injunction pending appeal. Source: Life Insurance News

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House to vote on antitrust and association plan bills

House to vote on antitrust and association plan bills H.R. 372, the antitrust bill, includes safe harbors for data collection and actuarial services. Source: News

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The science of effective communication

The science of effective communication You may think of conversation and communication as an art, but it turns out that the keys to effective communication are firmly rooted in science. Source: Life Insurance News

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H.R. 1628: 5 AHCA change highlights for agents

H.R. 1628: 5 AHCA change highlights for agents House Rules plans to consider a 'manager's amendment' version at 10 a.m. Wednesday. Source: News

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Making the nest egg last: best products for senior clients

Making the nest egg last: best products for senior clients From innovative fixed indexed and fee-based annuities to hybrid combo solutions, today’s retirees have a growing list of products to choose from. Source: Life Insurance News

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Justice probing insurers’ Medicare charges, suit reveals

Justice probing insurers’ Medicare charges, suit reveals UnitedHealth says it rejects the claims and will contest them vigorously. Source: News

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Trump says GOP must pass AHCA or risk losing seats

Trump says GOP must pass AHCA or risk losing seats Mark Meadows of the Freedom Caucus says H.R. 1628 is not yet worthy of support. Source: News

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Senate GOP holdouts split into rival camps on ACA overhaul

Senate GOP holdouts split into rival camps on ACA overhaul AHCA supporters have to get Rand Paul, Ted Cruz or Mike Lee to vote for H.R. 1628. Source: News

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What to consider when selling Medicare supplement insurance

What to consider when selling Medicare supplement insurance Selling Medicare supplement products is challenging but provides the chance to earn exponential residual commissions. Source: Life Insurance News

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Rare good news from the DOL (yes, about retirement investing)

Rare good news from the DOL (yes, about retirement investing) Retirement plan participants can now have guaranteed lifetime income for a portion of their nest egg, while also securing long-term appreciation and capital preservation. Source: Markets

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Freedom Caucus keeps heat on would-be ACA changers

Freedom Caucus keeps heat on would-be ACA changers Many of the most conservative Republicans are pushing for a full ACA repeal bill. Source: News

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Medigap group finds price stability

Medigap group finds price stability AAMSI reports on a quick scan of the Medicare supplement insurance market scan. Source: News

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Democrat calls HSAs a poor substitute for ACA tax credits

Democrat calls HSAs a poor substitute for ACA tax credits Martin Heinrich says ordinary families have no way to put much in the accounts. Source: News

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A six-figure income may not shield consumers from a shock

A six-figure income may not shield consumers from a shock A bank think tank measures some of the financial crises supplemental products may ease. Source: Life Insurance News

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Ryan plans tweaks to health care bill to help older people

Ryan plans tweaks to health care bill to help older people Tom Cotton of Arkansas said AHCA needs to do more for working-age people. Source: News

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Greenberg Traurig partner nominated for HHS deputy post

Greenberg Traurig partner nominated for HHS deputy post Eric Hargan is on track to oversee development of all HHS and CMS regulations and guidance. Source: News

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Can AIG stop its CEO merry-go-round?

Can AIG stop its CEO merry-go-round? American International Group Inc.’s new chief executive officer can expect to deal with a volatile industry, pressure from ratings firms and a restless board. Source: News

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5 reasons to specialize in final expense insurance

5 reasons to specialize in final expense insurance Here are five reasons that selling final expense insurance can be lucrative. Source: Life Insurance News

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7 things health agents think about insurers

7 things health agents think about insurers Celent asked a few hundred of your colleagues what they want out of the coverage makers. Source: Markets

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Congress is in over its head on AHCA

Congress is in over its head on AHCA Lawmakers look as if they're trying to talk around their ignorance. Source: Markets

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Brexit meets Scottish independence in Edinburgh's historic heart

Brexit meets Scottish independence in Edinburgh's historic heart People who support the power of the Scottish Parliament, but were squeamish about breaking up the three-centuries-old U.K. are among the key groups that could now swing the vote for independence. Source: Life Insurance News

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Hospitals group to appeals court: Stop Anthem-Cigna merger

Hospitals group to appeals court: Stop Anthem-Cigna merger The AHA argues that Cigna is more open to value-based reimbursement. Source: News

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Four GOP governors come out against ACA budget measure

Four GOP governors come out against ACA budget measure Republican moderates say the current AHCA draft shifts too big of a burden to the states. Source: News

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Humana completes $1 billion note offering

Humana completes billion note offering Some of the debt will be due in 2027, and some in 2047. Source: News

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Ryan clings to core of GOP health bill as opposition mounts

Ryan clings to core of GOP health bill as opposition mounts Moderates say the proposal is too harsh. Conservatives say it's too much like Obamacare. Source: News

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The wrong way to lower health-insurance premiums

The wrong way to lower health-insurance premiums The author says the predicted AHCA plan value cut could increase deductibles by $3,500. Source: Your Practice

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Soft benefits activity hits Connecture earnings

Soft benefits activity hits Connecture earnings A private equity firm increased its investment in the company and now controls 56% of the stock. Source: News

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What brokers should know about the Dubai health mandate fines

What brokers should know about the Dubai health mandate fines If you have clients heading to the emirate, they should think about getting covered. Source: Markets

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Rethink your first client meeting and go digital

Rethink your first client meeting and go digital Transitioning to a remote meeting tool to get in front of more prospects may come with growing pains, but the data in favor of digital meetings is compelling. Source: Life Insurance News

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Calpers slashes pensions for retirees of defunct agency

Calpers slashes pensions for retirees of defunct agency Across the country, states and local governments have about $2 trillion less than what they need to cover retirement benefits. Source: Life Insurance News

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Benefits advisors: Let the boss in the cafeteria plan

Benefits advisors: Let the boss in the cafeteria plan House hearing witnesses say an old rule created to fight abuse ends up hurting workers. Source: News

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The circular firing squad

The circular firing squad As the Republicans are learning, balancing health care affordability with access and cost control is a game of Jenga® played with razor blades. Source: Your Practice

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Dishonesty is for losers

Dishonesty is for losers If everyone involved is better off, why not use a little fib now and then? Source: Life Insurance News

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Three Republicans reject AHCA at House Budget markup

Three Republicans reject AHCA at House Budget markup The committee approved the framework for the act 19-17, without Freedom Caucus support. Source: News

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Republicans mull dropping surcharge for uninsured in bill

Republicans mull dropping surcharge for uninsured in bill Some say the continuous coverage provision could push people away from getting covered. Source: News

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Enroll America to shut down

Enroll America to shut down Young Invincibles will take over the Get Covered Connector tool. Source: News

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Trump budget blueprint could help health insurance IT vendors

Trump budget blueprint could help health insurance IT vendors The president might boost, or at least maintain, federal claim processing and anti-fraud systems. Source: News

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Anthem sought changes to AHCA in Trump meeting

Anthem sought changes to AHCA in Trump meeting Topics that came up included cost-sharing reduction subsidies and Medicaid funding. Source: News

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Subcontracting complicates Summit Re ransomware outreach

Subcontracting complicates Summit Re ransomware outreach Officials fear consumers will throw out the stop-loss advisor's warning notices. Source: News

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Insurance sector M&A activity to hit new heights in 2017

Insurance sector M&A activity to hit new heights in 2017 After a year on the sidelines due to market uncertainties, insurance companies plan to rev up their M&A activity in 2017. Source: Life Insurance News

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13 'no sale' signals to look for with your clients

13 'no sale' signals to look for with your clients Salespeople are always looking for buying signals and often miss the warning signs when all is not well. Source: Life Insurance News

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Fed raises benchmark rate as inflation approaches 2% target

Fed raises benchmark rate as inflation approaches 2% target The Federal Reserve raised its benchmark lending rate a quarter point Wednesday and continued to project two more increases this year. Source: News

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ACA exchanges see new signups drop, retention rise

ACA exchanges see new signups drop, retention rise The number of new signups fell, but less at a state-based exchanges than at HealthCare.gov. Source: News

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Exchange exec sees AHCA hurting health claim ratios

Exchange exec sees AHCA hurting health claim ratios Peter Lee says sharply increasing coverage costs for older people could hurt the risk pool. Source: News

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Innovation ROI: Stop the lie

Innovation ROI: Stop the lie INNOVATION INSIGHTS: Innovation, like parenting, is a scary journey. But also like parenting, it would be a scarier world without it. Source: Life Insurance News

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Eye on the MetLife spinoff: Will it live up to billing?

Eye on the MetLife spinoff: Will it live up to billing? Hundreds of millions of dollars in sales of individual life insurance and annuity products are riding on the outcome of Brighthouse's soon-to-be-completed spinoff from MetLife. Source: Life Insurance News

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MetLife targets high-paid money managers for disability coverage

MetLife targets high-paid money managers for disability coverage The arrangement can offer up to $600,000 in annual benefits with no individual medical underwriting. Source: News

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Senators seek senior home modification program data

Senators seek senior home modification program data Collins, King and Schatz reach across party lines to try to help older Americans. Source: News

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3 reasons annuities should help fund baby boomer retirement

3 reasons annuities should help fund baby boomer retirement Annuity investments are not only tax-efficient but also ensure that investors receive a steady source of income as long as they live. Source: Life Insurance News

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White House wooing of GOP holdouts on health plan may backfire

White House wooing of GOP holdouts on health plan may backfire AHCA backers find they have problems on their left flank as well as their right. Source: News

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White House discusses changes to Ryan ACA de-funding plan

White House discusses changes to Ryan ACA de-funding plan Many lawmakers have concerns about what the plan might to do older, lower-income people. Source: News

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Trump issues order to reorganize, streamline federal agencies

Trump issues order to reorganize, streamline federal agencies President Donald Trump has issued an executive order to reorganize and streamline the executive branch of government. Source: News

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Six reasons Gen X lags in saving, planning for retirement

Six reasons Gen X lags in saving, planning for retirement The uneasy financial situation that Gen Xers and millennials currently face is vastly different from what their baby boomer parents experienced at the same point of their lives. Source: Life Insurance News

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Part 2: Direct primary care suitability

Part 2: Direct primary care suitability Continued: Dr. Samir Qamar, founder and CEO of MedLion and MedWand, provides an assessment of the direct primary care model. Source: Your Practice

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3 weird AHCA individual health product effects

3 weird AHCA individual health product effects The CBO says the measure could do strange things to coverage value. Source: Markets

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Emergency request to block fiduciary rule filed in Texas court

Emergency request to block fiduciary rule filed in Texas court The U.S. Chamber of Commerce and industry groups suing the Labor Department over its fiduciary rule in a Texas court have filed an emergency request asking a judge to stop the rule. Source: Life Insurance News

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GOP ACA plan takes hit with CBO's dire estimates

GOP ACA plan takes hit with CBO's dire estimates Lindsey Graham said colleagues should slow down and get this right. Source: News

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Voters won't ignore this CBO score

Voters won't ignore this CBO score The author hates the ACA but questions whether AHCA will have much curb appeal. Source: Markets

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Why do pundits hate indexed annuities?

Why do pundits hate indexed annuities? Here's a video meant to clear up misconceptions about annuities using short, simple, entertaining explanations. Source: Life Insurance News

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Brighthouse Financial puts its brand on annuities

Brighthouse Financial puts its brand on annuities Allianz Life and three Sammons units have added new contracts. Source: News

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HC2 still wants long-term care insurance blocks

HC2 still wants long-term care insurance blocks A mini conglomerate lost money on LTCI in the fourth quarter but still likes that business. Source: News

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3 steps to proactively manage orphan policies

3 steps to proactively manage orphan policies More than 40 percent of all life insurance policies are considered orphans with no active agent servicing the policyholder. And the problem is only getting worse. Source: Life Insurance News

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Price reboots ACA reboot program

Price reboots ACA reboot program HHS is welcoming Section 1332 applications for high-risk pools and reinsurance programs. Source: News

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Senate confirms Seema Verma as CMS administrator

Senate confirms Seema Verma as CMS administrator Three Democrats and an independent crossed the aisle to vote for the Indiana health program consultant. Source: News

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Anthem: Subsidy cash key to saving individual health

Anthem: Subsidy cash key to saving individual health Joseph Swedish did praise the Republican ACA change bill, but he has some notes. Source: News

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CBO sees AHCA cutting $337 billion from the deficit

CBO sees AHCA cutting 7 billion from the deficit In 2026, the number of uninsured people might be 86 percent higher than under current law. Source: News

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Insurtech: Adapting to a new way of looking at insurance

Insurtech: Adapting to a new way of looking at insurance In light of a typical insurance company’s legacy systems and our fifty state insurance regulatory regime, how much change is really possible? Source: Life Insurance News

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AARP says GOP plan burdens older, lower-income Americans

AARP says GOP plan burdens older, lower-income Americans About 3.2 million people ages 50 to 64 now use Affordable Care Act premium tax credits. Source: News

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Colorado brokers increase ACA exchange volume 62%

Colorado brokers increase ACA exchange volume 62% Individual sales are up 12 percent, and full-pay sales are up 2.7 percent. Source: News

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Cruz pushes ACA repeal gambit that could roil U.S. Senate

Cruz pushes ACA repeal gambit that could roil U.S. Senate Ryan wants to respect Senate traditions. Some other Republican lawmakers do not. Source: News

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Best health-care plan for Republicans? Wait

Best health-care plan for Republicans? Wait Megan McArdle says letting the individual market fail will lead to a better policy outcome. Source: Your Practice

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DOL issues temporary enforcement policy on fiduciary rule

DOL issues temporary enforcement policy on fiduciary rule Field Assistance Bulletin sets out policy if Labor fails to delay rule’s applicability date before April 10. Source: Life Insurance News

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How to create a sellable business

How to create a sellable business Here are seven steps to building a well-oiled machine that can run and grow without you. Source: Life Insurance News

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5 peeks at the long-term care insurer failure business

5 peeks at the long-term care insurer failure business Regulators prepare for tending to a new kind of troubled insurer. Source: Your Practice

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U.S. Alzheimer's 2017 spending may reach $259 billion

U.S. Alzheimer's 2017 spending may reach 9 billion The Alzheimer's Association estimates out-of-pocket spending will total $56 billion. Source: News

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Tax season essentials: One tip that can make all the difference

Tax season essentials: One tip that can make all the difference Half of American workers could qualify for a key IRS tax credit, but many of them opt out. Here's why. Source: Life Insurance News

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Feds try to ease ACA subsidy program data agony

Feds try to ease ACA subsidy program data agony CMS hopes to cut the average number of cost-sharing reduction file re-sends to four. From eight. Source: News

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U.S. disability programs need a work requirement

U.S. disability programs need a work requirement The author contends that SSDI should start by putting people in actual jobs. Source: Markets

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Nonpartisan scorekeeper in hot seat in GOP's ACA de-funding fight

Nonpartisan scorekeeper in hot seat in GOP's ACA de-funding fight Democrats want to see 10-year impact projections. Some Republicans do, and some don't. Source: News

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Trump meets with Democrats at White House on drug prices

Trump meets with Democrats at White House on drug prices Elijah Cummings, a Maryland Democrat, said there seemed to be areas of agreement. Source: News

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This ACA rule keeps you out of the hospital and saves billions. Will it survive?

This ACA rule keeps you out of the hospital and saves billions. Will it survive? Hospitals may not like the Medicare readmissions penalty, but it has reduced readmissions. Source: News

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GOP focus shifts away from gutting Dodd-Frank

GOP focus shifts away from gutting Dodd-Frank Here’s the latest indication Wall Street regulations won’t be gutted anytime soon: Republicans who write financial laws are focusing on other things. Source: News

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Grow your business by asking simple, emotional questions

Grow your business by asking simple, emotional questions Taking the time to learn about how your clients respond to their investment decisions will allow you to find more efficient ways to communicate. Source: Life Insurance News

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AIG CEO Peter Hancock to step down: What's next?

AIG CEO Peter Hancock to step down: What's next? Peter D. Hancock, AIG’s president and chief executive officer, has announced he is resigning from the titan insurer. Source: Life Insurance News

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House panels approve ACA de-funder drafts

House panels approve ACA de-funder drafts The House Budget Committee is in charging of reconciling the Ways & Means and House Energy versions. Source: News

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CMS draft attracts few enrollment abuse stories

CMS draft attracts few enrollment abuse stories Some say much of the abuse they have seen occurred during the ACA open enrollment period. Source: News

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Annuity prospects may prefer general value message

Annuity prospects may prefer general value message A survey team asked Americans ages 55 to 75 to rate three different guarantee descriptions. Source: News

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Chlora Lindley-Myers to lead Missouri insurance department

Chlora Lindley-Myers to lead Missouri insurance department The Show Me State has imported its new director from Tennessee. Source: Life Insurance News

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Ryan ready to twist arms to sell ACA plan to House GOP

Ryan ready to twist arms to sell ACA plan to House GOP The House speaker aims to send a de-funding package to the Senate. Source: News

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Trump owns Obamacare, not the Democrats

Trump owns Obamacare, not the Democrats The author contends that letting the current health insurance system fail would hurt Republicans. Source: Markets

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Aviva gains on plan to return cash as operating profit rises

Aviva gains on plan to return cash as operating profit rises Aviva Plc, Britain’s second-largest insurer, raised its dividend and said it will return more cash to shareholders. Source: Life Insurance News

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Life insurance premium increased 3 percent in 2016

Life insurance premium increased 3 percent in 2016 Total U.S. life insurance new annualized premium grew 5 percent in the fourth quarter, resulting in a 3 percent increase in 2016. Source: Life Insurance News

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Having a retirement portfolio should be a relief, not a burden

Having a retirement portfolio should be a relief, not a burden Trusting the experts: Many Americans have a mutually exclusive view of risk. A properly diversified portfolio can focus on mitigating risk and increasing return. Source: Life Insurance News

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Digital assets and estate planning in 2017

Digital assets and estate planning in 2017 Being able to manage a client's online personal and financial records is now essential to comprehensive estate planning. Source: Life Insurance News

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10 alarming facts about women and retirement risks

10 alarming facts about women and retirement risks In recognition of National Women's History Month in March and International Women's Day on March 8, Transamerica released a study on retirement vulnerabilities unique to women. Source: Life Insurance News

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House panels debate American Health Care Act draft

House panels debate American Health Care Act draft One major question is the tax rules for health insurance executive pay. Source: News

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Connecticut answers LTCI rate philosophy questions

Connecticut answers LTCI rate philosophy questions Regulators in a state that has resisted increase requests talk about how they see the situation. Source: News

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Health care politics now favors the Democrats

Health care politics now favors the Democrats The author says Obamacare repeal could hurt many Republican repeal supporters. Source: Your Practice

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How to tackle the advisor victim mentality

How to tackle the advisor victim mentality Sharing job-related stress and anxiety can help foster solutions. Source: Life Insurance News

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Doctor, hospital groups line up against GOP health proposal

Doctor, hospital groups line up against GOP health proposal Both nonprofit and for-profit hospitals want to see more support for low-income Americans. Source: News

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ACA bill's burden on poor brings out critics on all sides

ACA bill's burden on poor brings out critics on all sides Ron Pollack of Families USA is calling the draft an example of 'Robin Hood in reverse.' Source: News

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Committee backs stop-loss, AHP and wellness bills

Committee backs stop-loss, AHP and wellness bills A House committee approved the AHP bill and the wellness bill with straight party-line votes. Source: News

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GOP ACA change bill may favor commercial health

GOP ACA change bill may favor commercial health The draft might cut federal Medicaid cash 14 percent but hold individual health support flat. Source: News

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Plans received $28 billion in 2016 ACA advance premium aid

Plans received billion in 2016 ACA advance premium aid TIGTA says the agency had some trouble managing tax credit users' tax returns. Source: News

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Lincoln Financial hit with $1.5M claims-processing fine

Lincoln Financial hit with .5M claims-processing fine New York regulators have fined the Lincoln Financial Group $1.5 million for the company's failure to fix widespread claims-processing errors and for delayed reporting of the problem. Source: Life Insurance News

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State legislators form air ambulance billing team

State legislators form air ambulance billing team NCOIL is looking at ways to protect patients from $50,000 in out-of-network bills. Source: News

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Does direct primary care make sense for your clients?

Does direct primary care make sense for your clients? Part 1: Dr. Samir Qamar, founder and CEO of MedLion and MedWand, provides an assessment of the direct primary care model. Source: Your Practice

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Conservatives pan GOP Obamacare plan as 'welfare'

Conservatives pan GOP Obamacare plan as 'welfare' Rand Paul has called the draft 'Obamacare Lite.' Mark Walker's group is still thinking. Source: News

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ACA premium tax credit math

ACA premium tax credit math Republicans seem to want to keep the total amount of premium tax credit support about the same. Source: Markets

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Zero is the new 10 percent

Zero is the new 10 percent TO YOUR HEALTH: When transformation happens, you can either get in the Uber or get run over by it. Source: Life Insurance News

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Black Americans offer a huge opportunity in life insurance sales [infographic]

Black Americans offer a huge opportunity in life insurance sales [infographic] More than 60 percent of Black American households are likely to buy life insurance compared to 45 percent of the general population. Source: Life Insurance News

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The most important step to gaining customer referrals

The most important step to gaining customer referrals The more you love and care for your current clients, the more referrals you are going to get. Source: Life Insurance News

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Selling insurance across state lines won't help

Selling insurance across state lines won't help Campaigns succeed by generating easy-to-understand solutions to problems, but there are no easy answers to improving health care quality and reducing its cost. Source: Your Practice

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Top annuity players' 2016 revenue falls 4.1%

Top annuity players' 2016 revenue falls 4.1% Jackson National still leads in the annuity market, and MetLife still leads on the life side. Source: Life Insurance News

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The big new House Republican ACA change draft is here

The big new House Republican ACA change draft is here The new version looks much like the draft leaked earlier this month. Source: News

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Gilead executive says pharmacy benefit managers keep prices high

Gilead executive says pharmacy benefit managers keep prices high Jim Meyers says PBMs would rather get a cut of a rebate than see a low list price. Source: News

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Supreme Court wrestles with non-ERISA state-law preemption

Supreme Court wrestles with non-ERISA state-law preemption Justices are looking at when federal laws, and private groups' standards, can displace state laws. Source: News

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HealthPocket asks CMS for short-term health help

HealthPocket asks CMS for short-term health help Commenters hope to get relief through an individual market rescue regulations package. Source: News

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California bill would establish single-payer health insurance program

California bill would establish single-payer health insurance program Backers say a government-run program could address the health care system's fiscal crisis. Source: News

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What agents need to know about the Penn Treaty liquidation

What agents need to know about the Penn Treaty liquidation Health insurers hate the idea that they might get stuck with most of the guaranty fund bills. Source: Markets

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Yellen hints at more aggressive rate path

Yellen hints at more aggressive rate path Federal Reserve Chair Janet Yellen left little doubt on Friday that the central bank will raise interest rates this month. Source: Life Insurance News

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How to streamline the disability insurance claims process

How to streamline the disability insurance claims process For a client who is ill or injured, filing a disability claim may come during a challenging time in his or her life. Source: Life Insurance News

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PriceWaterHouseCoopers, fake news and the future of trusted advisors

PriceWaterHouseCoopers, fake news and the future of trusted advisors It’s been a long road back to gaining the public’s trust from the 2008 financial crisis, but the industry is making progress. Source: Life Insurance News

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A viable life settlement and replacement strategy

A viable life settlement and replacement strategy The days of selling a policy in a life settlement and replacing it with a new one are mostly gone, but one variation on that strategy can still work in the right situation. Source: Life Insurance News

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The secret to client retention

The secret to client retention Of course you have to market to your clients. But to what end? Source: Life Insurance News

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GOP governors forming plan to keep ACA Medicaid expansion

GOP governors forming plan to keep ACA Medicaid expansion The proposal could open the door for states like Wisconsin to broaden eligibility. Source: News

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Johnson brings back association health plan bill

Johnson brings back association health plan bill The long-running AHP battle pits health insurers against other types of businesses. Source: News

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`Secret' ACA plan leads Congress members on treasure hunt

`Secret' ACA plan leads Congress members on treasure hunt Efforts to hide a new Republican compromise draft Source: News

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Watchdog finds 2014 ACA exchange ID problem in California

Watchdog finds 2014 ACA exchange ID problem in California Most 2014 California subsidy users filed tax returns, but few nonfilers had verified identities. Source: News

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Regulatory team posts LTCI actuarial guideline draft

Regulatory team posts LTCI actuarial guideline draft Comments on the latest version of an asset adequacy testing proposal are due March 22. Source: News

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Indexed universal life insurance sales hit new high

Indexed universal life insurance sales hit new high IUL premium revenue for the quarter ending December 31, 2016 was up a marked 18 percent from the third quarter of 2015. Source: Life Insurance News

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The asset-management pressure cooker

The asset-management pressure cooker Asset managers need to rethink how they're going to continue being profitable while cutting fees. Source: Life Insurance News

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Trump's long-term care cabinet

Trump's long-term care cabinet The 'silver tsunami' will affect many of the new president's departments. Source: Your Practice

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Agents and advisors: Salespeople or problem solvers?

Agents and advisors: Salespeople or problem solvers? Customers are much more interested in addressing their needs than being sold on your solutions. Source: Life Insurance News

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Self-insurance group asks Congress for stop-loss help

Self-insurance group asks Congress for stop-loss help SIIA is backing a bill that could exclude stop-loss from the federal definition of health insurance. Source: News

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Health Insurance Innovations doubles 2016 commission spending

Health Insurance Innovations doubles 2016 commission spending The short-term medical seller says fourth-quarter application activity was up 17 percent. Source: News

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Republicans new Obamacare draft under shroud of secrecy

Republicans new Obamacare draft under shroud of secrecy Republican members of one committee can see a copy in a dedicated reading room. Source: News

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MetLife headcount drops by 11,000 in year

MetLife headcount drops by 11,000 in year The insurer had 58,000 employees as of Dec. 31, according to a regulatory filing Wednesday, down 16 percent from a year earlier. Source: News

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DOL ‘relief’ would kill small annuity marketers, groups say

DOL ‘relief’ would kill small annuity marketers, groups say NAFA says a stiff minimum size requirement would shut out most IMOs. Source: Life Insurance News

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Trump's address left ACA repeal a big mess

Trump's address left ACA repeal a big mess The health care goals President Donald Trump mentioned in his address to a joint session of Congress were a high-water mark for policy specificity. But that mark was a low bar. Source: Markets

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Nationwide completes Jefferson National acquisition

Nationwide completes Jefferson National acquisition The addition of Jefferson National’s 4,000 RIAs and fee-based advisors makes 'for a perfect complement' to the insurance carrier’s distribution force. Source: Life Insurance News

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How to build the best insurance sales team

How to build the best insurance sales team True sales leaders are inspired, motivated creators who consistently deliver against key objectives. Source: Life Insurance News

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New York regulators look over Genworth buyer

New York regulators look over Genworth buyer Empire State officials say China Oceanwide looks like a suitable insurance company parent. Source: News

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Democrat asks for CMS pick's views on Medicare

Democrat asks for CMS pick's views on Medicare Republican hearing no-shows slowed Senate Finance efforts to approve Seema Verma. Source: News

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Losses mount for ACA startup Oscar as repeal looms

Losses mount for ACA startup Oscar as repeal looms In New York, the company is trying to improve performance by narrowing its provider network. Source: News

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Trump backs health tax credits that have split Republicans

Trump backs health tax credits that have split Republicans Freedom Caucus and Republican Study Committee leaders fear creating a new entitlement. Source: News

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DOL proposes 60-day fiduciary rule delay

DOL proposes 60-day fiduciary rule delay The Department of Labor has released a proposed rule to extend for 60 days the applicability date of its legislated fiduciary standard. Source: Life Insurance News

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Essential tech tools for advisors in 2017

Essential tech tools for advisors in 2017 Mobile apps? Not so fast. Source: Life Insurance News

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Typical long-term care claims are for home care, group says

Typical long-term care claims are for home care, group says AALTCI say 54 percent of new 2016 claims for private LTCI benefits were for home care services. Source: News

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What to expect from nonqualified deferred compensation plan support

What to expect from nonqualified deferred compensation plan support Successful advisors today look to leverage sales and technical expertise when adding deferred compensation solutions to their practices. Source: Life Insurance News

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Financial crisis still haunts middle-income baby boomers

Financial crisis still haunts middle-income baby boomers Ten years after the Great Recession, only 2 percent of middle-income boomers feel the economy has fully recovered. Source: Life Insurance News

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Health agents told Celent they really want this

Health agents told Celent they really want this Agents said they'd rather have online compensation management tools than contests. Source: News

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Insights from a seasoned long-term care insurance agent

Insights from a seasoned long-term care insurance agent This is Part Two of the ShiftShapers Podcast Series featuring LTCI expert Bill Dyess. Here, the insurance industry veteran talks hybrid product suitability, inflation riders and more. Source: Life Insurance News

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GOP ACA revamp might increase insurer support

GOP ACA revamp might increase insurer support A leaked proposal suggests benefits package cuts could help pay high-risk enrollees' claims. Source: News

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IRS lifts March 13 notice deadline for new HRA program

IRS lifts March 13 notice deadline for new HRA program The actual notice deadline will be at least 90 days after QSEHRA guidance comes out, officials say. Source: News

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Irrevocable trusts remain powerful in estate planning

Irrevocable trusts remain powerful in estate planning Incorporating a flexible, irrevocable life insurance trust (ILIT) into an estate plan can produce meaningful results. Source: Life Insurance News

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Judge certifies ACA risk corridors class action notice

Judge certifies ACA risk corridors class action notice Insurers that want to opt in will be able to sign up online. Source: News

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GOP Obamacare plan suffers blow with rejection by key Republican

GOP Obamacare plan suffers blow with rejection by key Republican Mark Walker of North Carolina said he objects to replacement proposals that include refundable tax credits. Source: News

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The biggest problem with traditional retirement planning

The biggest problem with traditional retirement planning One factor in particular can sidetrack a well-planned retirement portfolio. An annuity may be the solution. Source: Life Insurance News

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Retirement anxiety is gripping America

Retirement anxiety is gripping America If current trends continue, the U.S. soon will face rates of poverty among senior citizens not seen since the Great Depression. Source: Life Insurance News

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Best practices for life settlement transactions

Best practices for life settlement transactions To illustrate best practices for agents, one experienced advisor highlights a life settlement transaction for a 77-year-old retired medical professional. Source: Life Insurance News

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Use HealthCare.gov to settle risk corridor payment claims

Use HealthCare.gov to settle risk corridor payment claims Before the government shuts down ACA programs, it ought to get them appraised. Source: Your Practice

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Annuities: Preparing clients to retire at (almost) any age

Annuities: Preparing clients to retire at (almost) any age There is no 'one-size-fits-all' retirement plan; each individual client deserves a customized solution that addresses their unique situation. Source: Life Insurance News

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Former NAIC head hopes for informal ACA change talks

Former NAIC head hopes for informal ACA change talks Ben Nelson says lawmakers might be able to overcome partisanship with private conversations. Source: News

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Trump courts governors, health insurer CEOs

Trump courts governors, health insurer CEOs The president cited Rick Scott, Scott Walker and Chris Christie as health policy advisors. Source: News

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Trump tells insurers to expect `something special'

Trump tells insurers to expect `something special' The participants included executives from Anthem, UnitedHealth and Kaiser Permanente. Source: News

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Could your client lose all in a lawsuit?

Could your client lose all in a lawsuit? When a producer is able to garner a prospect’s asset insulation, related subjects such as estate planning, business succession and life insurance funding are more easily explored. Source: Life Insurance News

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2016 earnings: Mostly positive, but big losses for 2 titans

2016 earnings: Mostly positive, but big losses for 2 titans Of 8 major life insurers that posted fourth quarter and year-end results for 2016, six carriers recorded positive net income for the quarter and/or year. Source: Life Insurance News

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How to protect your client and business data

How to protect your client and business data How safe is your data? Source: Life Insurance News

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Government plan enrollment rises again

Government plan enrollment rises again New Mark Farrah figures show how the invisible fingernails of the market cause leaks. Source: News

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5
5 pitfalls to avoid when assisting clients with a life settlement

5 pitfalls to avoid when assisting clients with a life settlement Most seniors who lapsed a life insurance policy would have considered a life settlement had they been aware of the possibility. Source: Life Insurance News

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Former GOP House speaker thinks ACA system will stay

Former GOP House speaker thinks ACA system will stay A Pew Research poll shows a majority of Republicans want to keep part or all of the law. Source: News

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‘Senior officials’ want to close HealthCare.gov, exec says

‘Senior officials’ want to close HealthCare.gov, exec says Scott Flanders, eHealth's CEO, says the individual major medical market is collapsing. Source: News

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5 agent jabs at a draft ACA date change

5 agent jabs at a draft ACA date change Some agents say shortening the enrollment period would be another kick in the gut. Source: Markets

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5 strategic business lessons from 2017's Academy Award nominees

5 strategic business lessons from 2017's Academy Award nominees By watching this year's best picture nominees, advisors can hone in on new ways to connect with clients, develop networks and perfect time management skills. Source: Life Insurance News

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Massachusetts to use D.C. small-group exchange tech

Massachusetts to use D.C. small-group exchange tech The deal will help the Massachusetts Health Connector offer employers a multi-plan option. Source: News

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Debt can help retirement savers build wealth

Debt can help retirement savers build wealth Thomas Anderson has a message for financial advisors: Debt, not assets, will make the difference in your clients’ financial well-being. Source: Life Insurance News

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Debunking Dave Ramsey's column advice is just too easy

Debunking Dave Ramsey's column advice is just too easy Dear Dave Ramsey: Please learn the difference between investment advisors and financial advisors. Source: Life Insurance News

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Where’s the Democrats’ ACA repair plan?

Where’s the Democrats’ ACA repair plan? The Republicans have had trouble with repairing or fixing the ACA. But so have the Democrats. Source: Your Practice

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The evolution of social media in financial services [infographic]

The evolution of social media in financial services [infographic] Financial professionals find social media helps them to market themselves, research prospects and build relationships. Source: Life Insurance News

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CMS lets 'grandmothered' plans live another year

CMS lets 'grandmothered' plans live another year Jeff Wu is now the acting head of CCIIO, the agency's Affordable Care Act programs unit. Source: News

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A
ACA Medicaid expansion may keep some wed

ACA Medicaid expansion may keep some wed Economists say new nursing home benefits rules cut the divorce rate for some. Source: News

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Pence gives ACA attack update

Pence gives ACA attack update Pre-existing condition protection and interstate insurance sales are still in the game. Source: News

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Mnuchin super-long chatter sends Treasury yield curve steeper

Mnuchin super-long chatter sends Treasury yield curve steeper The new cabinet secretary talked about the idea of offering bonds with 100-year durations. Source: Life Insurance News

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Trump says `enormous work' ahead on budget to deliver priorities

Trump says `enormous work' ahead on budget to deliver priorities The administration expects to use the budget reconciliation process to prune the ACA. Source: Life Insurance News

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Maximize tax savings, minimize filing stress [with infographic]

Maximize tax savings, minimize filing stress [with infographic] According to a recent survey, 53 percent of Americans are not confident in their ability to accurately file their taxes without assistance. Source: Life Insurance News

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Retirement: life’s most expensive purchase

Retirement: life’s most expensive purchase A new report from Merrill Lynch and Age Wave says the average cost of retirement is 2.5 times that of the average house. Source: Life Insurance News

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Prudential may press Wells Fargo as account fallout spreads

Prudential may press Wells Fargo as account fallout spreads Prudential Financial Inc., facing regulatory scrutiny and a lawsuit over a sales relationship with Wells Fargo & Co., says it may press its partner to cover costs. Source: Life Insurance News

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Save long-term care insurance planners

Save long-term care insurance planners The market may not have worked as expected, but the marketers are great. Source: Your Practice

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Opportunity creation: 5 ways to grow your business

Opportunity creation: 5 ways to grow your business Growth potential is left untapped when your focus remains squarely on working with clients you already have rather than exploring new opportunities. Source: Life Insurance News

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New deals: Gallagher, Marsh, USI and NFP

New deals: Gallagher, Marsh, USI and NFP One new deal involves a firm that sells benefits to the LTC services providers. Source: News

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HHS promised full risk corridors payments, insurers say

HHS promised full risk corridors payments, insurers say Nonprofit plans say the failure of the ACA program caused 2016 service cuts. Source: News

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ACA’s hungriest large market goes begging for attention

ACA’s hungriest large market goes begging for attention ACA backers say the Obama administration skimped on efforts to reach employers. Source: News

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Consumer group pans LTCI rescue efforts

Consumer group pans LTCI rescue efforts The Center for Economic Justice says policymakers need to push for simpler, broader products. Source: News

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The end of the Republican Party's health care charade

The end of the Republican Party's health care charade The authors say would-be ACA replacers need to show how they'll pay for their proposals. Source: Markets

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Policymakers should eat their ACA change supper

Policymakers should eat their ACA change supper Promising everyone a wonderful dessert could end badly. Source: Markets

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Common traits of financial fraud victims

Common traits of financial fraud victims Fraud victims often share similar mindsets, behaviors and demographic characteristics. Source: Life Insurance News

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The secret to generating more referrals

The secret to generating more referrals Building a thorough, strategic referral system takes time. But it's worth it. Source: Life Insurance News

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Republicans offer two ACA risk corridors paths

Republicans offer two ACA risk corridors paths Some want to block the program. Others want to let states decide. No one seems certain about how to handle the billions of dollars the ACA risk corridors program owes insurers. Source: News

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Official DOL fiduciary rule delay expected shortly

Official DOL fiduciary rule delay expected shortly The Labor Department this week is expected to file the much-anticipated 180-day delay of the fiduciary rule’s April 10 compliance date. Source: Life Insurance News

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Feds postpone 2018 health plan filing deadlines

Feds postpone 2018 health plan filing deadlines Trump's CMS is trying to give insurers more time to cope with whatever comes next. Source: News

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Carrier pays $1 million to settle health data security claims

Carrier pays million to settle health data security claims Officials say two laptops stolen from the insurer's office were protected only by passwords. Source: News

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The drug lobby is getting touchy about drug prices

The drug lobby is getting touchy about drug prices PhRMA declined to defend a sky-high list price for a new muscular dystrophy drug. Source: Markets

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Fixed annuity sales hit record $117.4 billion in 2016

Fixed annuity sales hit record 7.4 billion in 2016 After strong results in the first three quarters, fixed annuity sales fell 13 percent to $25.7 billion in the fourth quarter. Source: Life Insurance News

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I
Is long-term care insurance poised for a resurgence?

Is long-term care insurance poised for a resurgence? After a market contraction due to a low interest rate environment, long-term care insurance is poised for a comeback. This is part one of an interview with LTC expert Bill Dyess. Source: Life Insurance News

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Automated client management prevents lost sales

Automated client management prevents lost sales When agents manage life insurance clients through traditional means such as spreadsheets and client files, they may let 15 percent or more of their book lapse each year. Source: Life Insurance News

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Two-thirds of Americans aren’t putting money in their 401(k)

Two-thirds of Americans aren’t putting money in their 401(k) Millions of people aren’t saving enough for retirement. Many just can’t spare the cash. But a new analysis shows there are other reasons, too. Source: Life Insurance News

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Moving the retirement outcome needle: 3 studies shed light

Moving the retirement outcome needle: 3 studies shed light Workers need a lifetime income option in their employer-sponsored retirement plan. But more than 4 in 10 are unsure whether they have one. Source: Life Insurance News

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Trump team fosters fears he'll adopt alternative economic facts

Trump team fosters fears he'll adopt alternative economic facts Some statisticians are worried about doctored economic data coming from the administration itself. Source: Life Insurance News

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7
7 things Trump's new DOL pick knows about benefits

7 things Trump's new DOL pick knows about benefits R. Alexander Acosta started South Florida's federal health care fraud strike force. Source: Markets

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Women are household CFOs, but barriers remain at work

Women are household CFOs, but barriers remain at work Women are often left out when money talk starts with a financial professional — even when mom heads up the family finances. Millennials aren't having it. Source: Life Insurance News

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Growth in HSA plan enrollment slows

Growth in HSA plan enrollment slows The number of carriers that filled out AHIP's survey form fell about 7.8 percent. Source: News

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Tennessee hints at chaos if Republicans leave the ACA in limbo

Tennessee hints at chaos if Republicans leave the ACA in limbo Humana's exit may leave 40,000 Knoxville residents with no on-exchange coverage option. Source: News

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H
House votes to block state-run retirement plans

House votes to block state-run retirement plans The House recently passed two resolutions to block Obama administration regulations designed to help states develop payroll deduction IRA plans that don’t run afoul of the Employee Retirement Income Security Act. Source: Life Insurance News

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GOP plan could give states pots of commercial health cash

GOP plan could give states pots of commercial health cash A Republican ACA replacer outline shows states getting all-purpose insurance program grants. Source: News

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Conservatives object to Obamacare replacement proposal tax credits

Conservatives object to Obamacare replacement proposal tax credits Some say give workers extra cash back from tax credits would create 'Obamacare light.' Source: News

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Nervous about the ACA, GOP divisions emerge over repeal effort

Nervous about the ACA, GOP divisions emerge over repeal effort Some Republicans want to stabilize and replace the bridge. Some just want to fix it. Source: News

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Why prospecting fails and what to do about it

Why prospecting fails and what to do about it Here's how to engage prospects so that they want to find you. Source: Life Insurance News

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T
The life settlement market is heating up

The life settlement market is heating up Life settlements are a great alternative to lapsing or surrendering a policy. It is up to you to prevent your clients from leaving money on the table. Source: Life Insurance News

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Mad money and the fallacy of emotional investing

Mad money and the fallacy of emotional investing Cognitive biases and the misguided belief in market timing could precipitate another financial crisis. Don't let your clients get caught up in the euphoria. Source: Life Insurance News

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CMS nominee backs patient choice at Senate hearing

CMS nominee backs patient choice at Senate hearing Seema Verma loves personal health accounts, Medicare Advantage and a child psychiatrist. Source: News

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GOP considers cap on favorable tax treatment of health insurance

GOP considers cap on favorable tax treatment of health insurance Some Republicans see the group health exclusion as a source of up to $250 billion in funding. Source: News

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Trump nominates Acosta as Labor secretary

Trump nominates Acosta as Labor secretary President Donald Trump wasted little time in naming R. Alexander Acosta on Thursday as his new Labor secretary nominee. Source: Life Insurance News

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A
ACA risk program may kill Molina exchange plans

ACA risk program may kill Molina exchange plans The company says it had to send 24 percent of its 2016 exchange plan revenue to competitors. Source: News

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A
Actuaries analyze high-risk reimbursement proposals

Actuaries analyze high-risk reimbursement proposals One proposal would tie extra payments to enrollee spending, and another to risk scores. Source: News

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P
Private health insurance spending might rise 5.7%

Private health insurance spending might rise 5.7% Current-year spending will be higher, but much lower than what CMS feared in 2008. Source: News

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Heading south: Applications for life insurance policies

Heading south: Applications for life insurance policies After a record-setting 8 consecutive quarters of growth, the MIB Life Index lost ground in four out of the six remaining months, with declines extending into early 2017. Source: Life Insurance News

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H
How to sell more cash value life insurance

How to sell more cash value life insurance Many agents and advisors who are trying to sell cash value life insurance don’t really understand all of its benefits. Source: Life Insurance News

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The reality of the middle class squeeze

The reality of the middle class squeeze The writer questions the idea that 'more Americans have easier lives today than in years past.' Source: Life Insurance News

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H
Humana may lose $180 per 2017 ACA exchange enrollee

Humana may lose 0 per 2017 ACA exchange enrollee The carrier intends to focus more tightly on the Medicare plan market. Source: News

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A
ACA exchange team hopes to delay filing dates

ACA exchange team hopes to delay filing dates Exchange managers also aim to scorch free riders and smudge metal-level boundaries. Source: News

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Lamar Alexander doesn't push 'quick-fix' repair of health law

Lamar Alexander doesn't push 'quick-fix' repair of health law The Republican says Congress should hold the health market up while replacing the ACA. Source: News

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Puzder withdraws as Trump's Labor nominee amid Republican doubts

Puzder withdraws as Trump's Labor nominee amid Republican doubts At least six Republicans had expressed doubts about whether they would support Puzder. Source: Life Insurance News

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The true cost of diabetes for employees and employers

The true cost of diabetes for employees and employers How can employers and employees manage the treatment and complications of this lifelong disease? Source: Your Practice

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Long-term care insurers pay more claims

Long-term care insurers pay more claims The number of people collecting benefits is 6.1 percent higher this year than it was last year. Source: News

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Massachusetts may update long-term care hybrid rules

Massachusetts may update long-term care hybrid rules The Bay State could apply more stand-alone LTCI requirements to hybrid product features. Source: News

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D
Dementia joins ranks of top global killers with no drug in sight

Dementia joins ranks of top global killers with no drug in sight Merck and Eli Lilly have both killed Alzheimer's drug projects that once looked promising. Source: News

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7
7 ways to get even more referrals

7 ways to get even more referrals Use these steps to get some very important people to contribute to your business. Source: Life Insurance News

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Cigna faces off with Anthem, escalating fight by ending deal

Cigna faces off with Anthem, escalating fight by ending deal Simmering tensions between Anthem and Cigna exploded Tuesday. Source: News

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Here's how President Trump will change Obamacare

Here's how President Trump will change Obamacare One citizen's prediction: Republicans stage a dramatic early vote to repeal the Affordable Care Act, then let states do all the heavy lifting. Source: Your Practice

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Regulators tackle life buyer guide update

Regulators tackle life buyer guide update Some want the new version to be more like the NAIC's updated annuity buyer's guide. Source: Life Insurance News

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NAHU educates Washington

NAHU educates Washington The list of lawmakers who let brokers into their offices includes Joe Kennedy and Raul Grijalva. Source: News

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Four Republicans withhold support for Puzder to head Labor

Four Republicans withhold support for Puzder to head Labor Collins, Murkowski, Scott and Isakson might still vote for the executive, but they might not. Source: News

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Poor Steven Mnuchin

Poor Steven Mnuchin The new Treasury secretary will be in charge of telling us that needs are big and resources are small. Source: Markets

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Pru hopes short films will win consumers’ hearts

Pru hopes short films will win consumers’ hearts The insurer asked four artists to bring the stories of loss of loved ones to life through art. Source: Life Insurance News

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New global insurance chief comes from South Africa

New global insurance chief comes from South Africa Jonathan Dixon has talked about his country's own international compliance burden. Source: Life Insurance News

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More young adults got privately covered in third quarter

More young adults got privately covered in third quarter New National Health Interview Survey figures imply that many shopped off-exchange. Source: News

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Aetna and Humana break up

Aetna and Humana break up The carriers now have to go back to making war, not love, on a battlefield made of quicksand. Source: News

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Starting relationships in a changing world

Starting relationships in a changing world BETTER PROSPECTING: Advisors have an opportunity to fill the coverage gaps created by Social Security, Medicare and Medicaid. Source: Life Insurance News

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Mnuchin secures Senate confirmation as U.S. Treasury secretary

Mnuchin secures Senate confirmation as U.S. Treasury secretary Steven Mnuchin was confirmed on Monday as the U.S. Treasury secretary. He will now play a key role in shaping insurance professionals' lives. Source: Life Insurance News

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5 opportunities to turn Valentine’s Day into Life Insurance Day

5 opportunities to turn Valentine’s Day into Life Insurance Day Buying life insurance is an act of love. There's no better time to show that love than on Valentine’s Day. Source: Life Insurance News

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Agency ends review of Trump’s ACA mystery order

Agency ends review of Trump’s ACA mystery order The order draft could affect what happens to exchange plan subsidies this year and next. Source: News

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UnitedHealth gets state OK for Rocky Mountain Health deal

UnitedHealth gets state OK for Rocky Mountain Health deal Regulators agreed that the carrier needed a cash infusion to stay in business. Source: News

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3 ways to make sites for agents sing

3 ways to make sites for agents sing A product developer says software companies are thinking more about harmony. Source: Life Insurance News

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Why goal-setting is essential to success

Why goal-setting is essential to success The ability to set and achieve a goal through systematic focus and accomplishment is the most powerful way to turn your dreams and visions into reality. Source: Your Practice

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Greenberg settles suit over AIG deals N.Y. calls fraudulent

Greenberg settles suit over AIG deals N.Y. calls fraudulent Ex- American International Group Inc. Chief Executive Officer Maurice 'Hank' Greenberg has admitted to taking part in two deals to make the insurer’s financial condition look better than it was. Source: Life Insurance News

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Life insurance challenges posed by marijuana and e-cigarettes

Life insurance challenges posed by marijuana and e-cigarettes Life insurance carriers continue to discuss and evaluate the manner in which marijuana and e-cigarettes are addressed. Source: Life Insurance News

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5 regulator questions about long-term care insurance prices

5 regulator questions about long-term care insurance prices Fred Andersen is trying to create a framework for conversation about LTCI rate review ideas. Source: Your Practice

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Make the Spanish flu centennial a teachable year

Make the Spanish flu centennial a teachable year Influenza crosses party lines and national borders, and shows why insurance matters. Source: Life Insurance News

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Senate prepares to hear Seema Verma, Trump's ACA boss pick

Senate prepares to hear Seema Verma, Trump's ACA boss pick Verma revamped Indiana's Medicaid program, and she trained HealthCare.gov navigators. Source: News

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Zenefits cuts 45 percent of staff as new CEO pushes changes

Zenefits cuts 45 percent of staff as new CEO pushes changes The company is moving its operations to Arizona, from San Francisco. Source: News

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DOL files to delay fiduciary rule

DOL files to delay fiduciary rule As expected, the Department of Labor filed a notice Thursday with the Office of Management and Budget to delay implementation of its fiduciary rule. Source: Life Insurance News

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Here's how turning over rocks can reveal hidden prospects

Here's how turning over rocks can reveal hidden prospects This is the story of how two hidden companies resulted in millions of dollars in sales business. Source: Life Insurance News

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Senate confirms Price as health secretary as ACA fight nears

Senate confirms Price as health secretary as ACA fight nears The U.S. Senate has confirmed Tom Price, a congressman and physician, to head the Department of Health and Human Services. Source: News

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Anthem now has to answer for its Cigna liabilities

Anthem now has to answer for its Cigna liabilities What was Anthem even thinking? Source: Markets

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D.C. exchange to set HSA-compatible plan mandate

D.C. exchange to set HSA-compatible plan mandate The Affordable Care Act marketplace that serves Congress looks ahead. Source: News

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IRA assets move out from under the mattress

IRA assets move out from under the mattress EBRI shows how retirement savers have reallocated assets since the end of the Great Recession. Source: Life Insurance News

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Judge backs health insurer in ACA payment suit

Judge backs health insurer in ACA payment suit Telling Moda 'you shouldn't have trusted us' is unworthy of our government, a Bush appointee writes. Source: News

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After two megadeals blocked, health insurers plot next moves

After two megadeals blocked, health insurers plot next moves If the transactions really go away, what will the suitors do with their cash? Source: News

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Senate focuses on Price’s ACA plans in confirmation debate

Senate focuses on Price’s ACA plans in confirmation debate Source: News

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IRS rules against kids, spouses of employer health spurners

IRS rules against kids, spouses of employer health spurners A parent who rejects group coverage blocks dependents' access to ACA tax credits, officials say. Source: News

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3 ways the big life app checker bureau could grow

3 ways the big life app checker bureau could grow Lee Oliphant, the president of MIB Group, has ideas about how to expose more risk.e Source: Life Insurance News

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Why 401(k) plan participants need more help (in 5 charts)

Why 401(k) plan participants need more help (in 5 charts) The lack of in-person financial counseling helps to explain why many workers don't know the fundamentals of their 401(k)s and retirement planning. Source: Markets

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Your secret weapon to retirement planning success

Your secret weapon to retirement planning success Success is being redefined as our ability to measure it continues to evolve. Source: Life Insurance News

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A closer look at the future of insurance

A closer look at the future of insurance INNOVATION INSIGHTS: There is growing energy around trying to predict the future of the insurance industry. I’m more interested in the future of handling risk. Source: Life Insurance News

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Columnists debate: Is Dodd-Frank worth saving?

Columnists debate: Is Dodd-Frank worth saving? The Dodd-Frank Act was designed to prevent another financial crisis. Critics say it overburdened banks with rules. Source: Markets

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Judge blocks Anthem-Cigna merger

Judge blocks Anthem-Cigna merger A federal judge in Washington handed antitrust enforcers a second win in two months against a major health insurance sector merger. Source: News

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DOL wins fiduciary rule case in Texas

DOL wins fiduciary rule case in Texas Texas federal trial Judge Barbara M.G. Lynn ruled in favor Wednesday of the Labor Department in the case brought by nine plaintiffs against Labor’s fiduciary rule. Source: Life Insurance News

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Trump advisor hears Blues’ ACA market stability proposal

Trump advisor hears Blues’ ACA market stability proposal Marie Meszaros participated in a meeting on how to keep individual major medical alive. Source: News

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Humana faces $401 million loss, and Medicare headaches

Humana faces 1 million loss, and Medicare headaches The insurer let individual health enrollment fall 69%, and it updated long-term care assumptions. Source: News

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CNO hopes to improve Bankers Life agent retention

CNO hopes to improve Bankers Life agent retention The company reported lower protection product sales but higher annuity sales. Source: Life Insurance News

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Trump sinks pharma stocks on Medicare drug price negotiation

Trump sinks pharma stocks on Medicare drug price negotiation The new president seems open to creating a pharmaceutical provider bidding system. Source: News

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The right persuasive words turn prospects into clients

The right persuasive words turn prospects into clients Logic makes people think; emotion makes them act. Source: Life Insurance News

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The big open question about the ACA exchange system

The big open question about the ACA exchange system Enrollment is pretty good, but how efficient is the system at getting people covered? Source: Markets

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Is a CRM the key to increasing sales and enhancing service?

Is a CRM the key to increasing sales and enhancing service? Customer relationship management systems designed for agents and advisors are changing...everything. Source: Life Insurance News

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Genworth posts $63 million net loss

Genworth posts million net loss The China Oceanwide chairman said his company is working diligently to close on Genworth. Source: News

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House panel marks up Medicaid planning annuity bill

House panel marks up Medicaid planning annuity bill H.R. 181 could affect couples with one spouse in a nursing home. Source: Life Insurance News

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MetLife hit with $50 million class action lawsuit

MetLife hit with million class action lawsuit A putative class action filed Tuesday in federal court in Connecticut accuses MetLife and two of the insurer's subsidiaries of withholding more than $50 million in earned overtime pay. Source: News

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Centene, a big ACA exchange player, says it will adapt

Centene, a big ACA exchange player, says it will adapt A company with rapidly growing exchange plan enrollment prepares for change. Source: News

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Finance, insurance groups react to Trump's executive orders

Finance, insurance groups react to Trump's executive orders Many in the finance industry supported Donald Trump for president expressly because they hoped for the type of decisive action that arrived Friday. Source: Life Insurance News

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Trump’s Dodd-Frank do-over diverted to slow lane with ACA

Trump’s Dodd-Frank do-over diverted to slow lane with ACA Some Republicans want to shoehorn changes into a budget reconciliation bill. Source: Life Insurance News

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Illinois faces further downgrades if budget deal not reached

Illinois faces further downgrades if budget deal not reached The state owes about $130 billion to its workers' pension plans. Source: News

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To keep peace with Trump, Paul Ryan looks to new chief of staff

To keep peace with Trump, Paul Ryan looks to new chief of staff Jonathan Burks is supposed to help the House work with the Senate and the White House. Source: News

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Why advisors shouldn’t measure success by money alone

Why advisors shouldn’t measure success by money alone Elite advisors view material gain as a product of their success, not just a measure of it. Source: Your Practice

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New long-term care policy cost falls for some

New long-term care policy cost falls for some Men in the market for great coverage may pay 20 percent less than they paid last year. Source: News

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Matt Levine on the president's financial regulation roll back

Matt Levine on the president's financial regulation roll back The main objection to the Labor Department's fiduciary rule is it might push people who would otherwise get bad retirement advice to instead get no retirement advice. That objection is hard to say with a straight face. Source: Life Insurance News

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Three life insurers report fourth-quarter profits

Three life insurers report fourth-quarter profits Ameriprise, Lincoln Financial and Fidelity & Guaranty Life all posted lower annuity sales. Source: Life Insurance News

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Solve America’s problems with a baby boomer exit

Solve America’s problems with a baby boomer exit Maybe we could get Chinese investors to buy virtual ownership of residents ages 53 to 71. Source: Markets

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Corporate Insight measures deductible literacy

Corporate Insight measures deductible literacy Just how lost are consumers? A market research firm has new numbers. Source: News

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Trump says Obamacare replacement could take until next year

Trump says Obamacare replacement could take until next year Vice President Mike Pence said the administration is committed to arranging for an orderly transition. Source: News

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Details emerge on President's fiduciary rule directive

Details emerge on President's fiduciary rule directive Here's a closer look at President Donald Trump's executive order directing the Labor Department to undertake an assessment of its fiduciary rule. Source: Life Insurance News

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Details emerge on Trump's fiduciary rule directive

Details emerge on Trump's fiduciary rule directive Here's a closer look at President Donald Trump's executive order directing the Labor Department to undertake an assessment of its fiduciary rule. Source: Life Insurance News

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Dodd-Frank’s tentacles go deep, won’t be easily cut

Dodd-Frank’s tentacles go deep, won’t be easily cut It took seven years to put in place the regulatory strictures imposed on Wall Street after the financial crisis. They won’t be removed fast or easily. Source: Life Insurance News

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How the Information Age creates insurance sales opportunities

How the Information Age creates insurance sales opportunities Your greatest asset today is not your product, service or company. It's original ideas paired with action. Source: Life Insurance News

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7 threats to supplemental health in the major medical storm

7 threats to supplemental health in the major medical storm The uncertainty surrounding efforts to kill or change the Affordable Care Act should make this a great time to sell supplemental health insurance products. Source: Markets

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Trump's ethics plan is worse than you thought

Trump's ethics plan is worse than you thought Despite promises, the President has yet to authentically distance himself from his businesses. Source: Life Insurance News

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Unum still expanding Colonial Life salesforce

Unum still expanding Colonial Life salesforce The company sees strong retention and group growth, and more small groups. Source: News

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Well-designed coverage access guarantees help industry

Well-designed coverage access guarantees help industry Insurer wellness programs depend on a collaborative relationship with the insureds. Source: Markets

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4 new benefits deals: PlanSource, Genex and NFP

4 new benefits deals: PlanSource, Genex and NFP The latest deals involve a plan administrator, an exam coordinator and two brokers. Source: News

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New benefits deals: PlanSource, Genex and NFP

New benefits deals: PlanSource, Genex and NFP The latest deals involve a plan administrator, an exam coordinator and two brokers. Source: News

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Trump volatility index has taken pharma companies on a wild ride

Trump volatility index has taken pharma companies on a wild ride Novo Nordisk says it's cutting its annual sales forecast because of U.S. political risk. Source: News

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Number of ACA mystery tax returns falls

Number of ACA mystery tax returns falls About 87 percent of filers told the IRS about their 2015 health coverage. Source: News

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HealthCare.gov posts first Trump-era results

HealthCare.gov posts first Trump-era results Florida and Texas continued to be the ACA exchange enrollment system's biggest markets. Source: News

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President Trump: Halt DOL fiduciary rule, review Dodd-Frank

President Trump: Halt DOL fiduciary rule, review Dodd-Frank President Donald Trump is expected to sign a directive Friday telling the Department of Labor to halt implementation of its fiduciary rule, and another to roll back the Dodd-Frank Act. Source: Life Insurance News

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Secrets to selling life insurance to millennials

Secrets to selling life insurance to millennials Although many millennials are burdened by student loans and underemployment, their buying power will only continue to increase as they inherit businesses, estates and jobs from retiring baby boomers. Source: Life Insurance News

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4 times the Super Bowl made people think about life insurance

4 times the Super Bowl made people think about life insurance The world's biggest broadcast event is as much about the commercials as it is about the game. Source: Life Insurance News

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Plan B for Trump’s ‘big number’ on Dodd-Frank bypasses Democrats

Plan B for Trump’s ‘big number’ on Dodd-Frank bypasses Democrats Republican lawmakers say they are considering a plan for dismantling parts of the financial-rules overhaul that wouldn’t require support from a single Democrat. Source: Life Insurance News

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Cigna to decide on 2018 individual health in the spring

Cigna to decide on 2018 individual health in the spring Growth in the stop-loss unit helped make up for a Medicare Part D revenue drop. Source: News

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CMS seeks bids for Trump’s first Medicare plan menu

CMS seeks bids for Trump’s first Medicare plan menu The administration posts information for 2018 Medicare Advantage and Part D drug plan issuers. Source: News

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Tavenner asks Congress to save 2018 individual health market

Tavenner asks Congress to save 2018 individual health market The AHIP head says insurers need clear signals by March to avoid massive disruption. Source: News

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Washington state tries to keep health insurance going

Washington state tries to keep health insurance going Kreidler wants insurers to get him 2018 individual and small-group plans and rates by May 5. Source: News

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Derivatives hit contributes to $2.1 billion MetLife net loss

Derivatives hit contributes to .1 billion MetLife net loss The Brighthouse spinoff makes tracking the company's individual product performance difficult. Source: Life Insurance News

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GOP rebrands ACA strategy from ‘repeal’ to ‘repair’

GOP rebrands ACA strategy from ‘repeal’ to ‘repair’ But some Republicans object to anything other than full health law repeal. Source: News

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Trump had one good idea (before he ditched it)

Trump had one good idea (before he ditched it) The author says the president should let Medicare dicker with drug companies. Source: Markets

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Goodbye, budget reconciliation

Goodbye, budget reconciliation Donald Trump might have another way to replace the Affordable Care Act. Source: Your Practice

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Dreaming of savvier savers: start-up joins the 401(k) fray

Dreaming of savvier savers: start-up joins the 401(k) fray Dream Forward's goal is to significantly boost engagement and savings rates of 401(k) plan participants, says co-founder Grant Easterbrook. Source: Markets

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Make post-retirement benefits goals flexible

Make post-retirement benefits goals flexible Opinion: The much-hated Medicare sustainable growth rate limit was a great model. Source: Your Practice

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4 ways to bridge the $12 trillion life insurance gap

4 ways to bridge the trillion life insurance gap A recent LIMRA study points to a significant underinsured life insurance market. Here’s where the biggest opportunities are to fill that need. Source: Life Insurance News

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The first three steps to improving your customer experience

The first three steps to improving your customer experience Today’s service and reward economy has elevated consumer expectations, and that creates a difficult challenge for most organizations. Source: Life Insurance News

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S&P says the health insurers it rates look strong

S&P says the health insurers it rates look strong Possible threats to future performance include Medicare cuts and group health hits, analysts say. Source: News

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Anthem considering big 2018 individual market changes

Anthem considering big 2018 individual market changes Joseph Swedish said 'extraction' decisions might take shape sometime around June 30. Source: News

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Aflac executives hope to expand U.S. broker channel

Aflac executives hope to expand U.S. broker channel The company wants its career agents to increase sales to employers with 100 or fewer lives. Source: Life Insurance News

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Let's make a pact...

Let's make a pact... There’s one thing we can say about 2017 so far: It has been interesting. Source: Life Insurance News

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Mnuchin, Price, Sessions advance in Senate as Democrats boycott

Mnuchin, Price, Sessions advance in Senate as Democrats boycott Hatch waived a committee's usual quorum rules to hold the vote. Source: Life Insurance News

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Beat the competition with a great client experience

Beat the competition with a great client experience Good prospects are often lost because of inaccurate and damaging perceptions. Don't let this happen! Source: Life Insurance News

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Interest rate fears hit world's life product menus

Interest rate fears hit world's life product menus The International Association of Insurance Supervisors says prolonged low interest rates are causing sobering changes in life insurers' operations all around the world. Source: Life Insurance News

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S&P sees Republicans sticking with policymaking process

S&P sees Republicans sticking with policymaking process Analysts say the insurers they follow are strong. Source: Life Insurance News

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Socially responsible credit is a key to wellness

Socially responsible credit is a key to wellness Most Americans are living paycheck to paycheck. The potential stress these people experience when managing an emergency should be of concern to employers and advisors. Source: Markets

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Democrats boycott HHS and Treasury secretary pick hearings

Democrats boycott HHS and Treasury secretary pick hearings Senate committees lack the quorums they need to move the nominations forward. Source: News

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Former SEC chair Mary Jo White speaks

Former SEC chair Mary Jo White speaks In an exclusive interview, White comments on the future of the SEC's fiduciary rule, her biggest achievement as SEC chair and what's ahead under the new administration. Source: Life Insurance News

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Fiduciary rule compliance boosts passive investment products

Fiduciary rule compliance boosts passive investment products Cefulli Associates: Looming compliance with the Department of Labor’s fiduciary rule is pushing advisors to favor lower-cost investment products. Source: Life Insurance News

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Aetna to stay out of individual health market in 2018

Aetna to stay out of individual health market in 2018 Mark Bertolini says the direction of regulation is still too unclear. Source: News

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House bill could change how Medicaid treats annuities

House bill could change how Medicaid treats annuities Markwayne Mullin wants to rein in an asset-shielding strategy that benefits life insurers. Source: News

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Doug Ommen to lead Iowa Insurance Division

Doug Ommen to lead Iowa Insurance Division The insurance regulation veteran has been active in NAIC life and health efforts. Source: Life Insurance News

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Trump meets with drugmakers as industry fears price controls

Trump meets with drugmakers as industry fears price controls The president recently accused the companies of 'getting away with murder.' Source: News

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Trump pledges to do ‘a big number’ on Dodd-Frank

Trump pledges to do ‘a big number’ on Dodd-Frank President Donald Trump on Monday stepped up criticism of the 2010 Dodd-Frank banking rule, saying the law made it difficult for businesses to get loans. Source: Life Insurance News

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How to read your clients' minds for the best referrals

How to read your clients' minds for the best referrals Here's how to boost lead generation by surveying, segmenting and then rewarding clients with targeted gifts and promotions. Source: Life Insurance News

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Principal Financial reports higher insurance earnings

Principal Financial reports higher insurance earnings Executives say the specialty benefits unit is making record sales. Source: Life Insurance News

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Currency fluctuations ding RGA earnings

Currency fluctuations ding RGA earnings But the reinsurer reports higher revenue and net income in spite of headwinds. Source: Life Insurance News

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ACA Medicaid funding rules stink, witness says

ACA Medicaid funding rules stink, witness says Josh Archambault says states have an incentive to cut spending on children and the disabled first. Source: News

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Regulatory burden review

Regulatory burden review Recent events show why policymakers need to create an orderly ACA change process. Source: Markets

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Long-term care insurers need great assets, consultants say

Long-term care insurers need great assets, consultants say Commenters tell state regulators LTCI issuers need investments that will really pay off. Source: News

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Walden framework could shape post-ACA health underwriting

Walden framework could shape post-ACA health underwriting A House panel has posted the guaranteed-issue proposal along with three other ACA fixer drafts. Source: News

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Ladder launches insurtech life insurance product in California

Ladder launches insurtech life insurance product in California Jamie Hale, CEO of the new online life insurance company Ladder, says his business will tap into a market that agents and advisors ‘are not addressing.’ Source: Life Insurance News

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HealthCare.gov sign-up reminders remain after Trump pulls advertising

HealthCare.gov sign-up reminders remain after Trump pulls advertising The open enrollment period for 2017 ends Tuesday. Source: News

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Need an identity theft lawyer? 5 benefits trends to watch

Need an identity theft lawyer? 5 benefits trends to watch More than half of employers in the food services, IT, transportation and warehousing industries are planning to ratchet up non-medical benefits for employees. Source: Markets

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Business succession planning and the buy-sell agreement

Business succession planning and the buy-sell agreement A buy-sell agreement can provide business shareholders or co-owners with options. Source: Life Insurance News

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Home care market maker sees aide shortage

Home care market maker sees aide shortage The co-founder of Kindly Care also has discovered a new long-term care video market. Source: News

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7
7 important Florida telehealth discoveries

7 important Florida telehealth discoveries Whatever happens in Washington, your clients still need protection against catastrophic health risk. For some, telehealth services are key. Source: Markets

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How to up your email game with clients, prospects [infographic]

How to up your email game with clients, prospects [infographic] Here are more than two dozen ideas for moving beyond superficial business communications. Source: Life Insurance News

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Last-minute HealthCare.gov ad kill may hurt 2018 plan menus

Last-minute HealthCare.gov ad kill may hurt 2018 plan menus America's Health Insurance Plans says members are watching closely. Source: News

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Trump freeze seen worsening 526-day disability case backlog

Trump freeze seen worsening 526-day disability case backlog About 1.1 million people are now waiting for SSDI benefits decisions. Source: News

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GOP Obamacare summit yields no new details on repeal strategy

GOP Obamacare summit yields no new details on repeal strategy Some leaders are talking about having a proposal ready in August. Source: News

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Prudential says trio in whistleblower case fired for misconduct

Prudential says trio in whistleblower case fired for misconduct Prudential Financial, Inc. said in court documents filed this week that it fired three employees for misconduct, rather than retaliation for whistleblowing. Source: Life Insurance News

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Trump administration pulls some ACA ads as deadline nears

Trump administration pulls some ACA ads as deadline nears The Trump administration has pulled some advertising designed to encourage people to sign up for health insurance under the Affordable Care Act. Source: News

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5
5 new generation expectation gap measurements

5 new generation expectation gap measurements Younger consumers are more optimistic about some aspects of their finances than others. Source: Life Insurance News

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11 ways to become more visible in your community

11 ways to become more visible in your community We have moved from the information age to a social one. That means business today is less about what you know and more how you can solve people's problems. Source: Life Insurance News

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Long-term care insurance block buyer briefs investors

Long-term care insurance block buyer briefs investors HC2 says that its LTCI unit lost money. But it's telling job hunters it might make more insurance deals. Source: News

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New York state tightens life contestability period rules

New York state tightens life contestability period rules Regulators warn against requiring all beneficiaries to get the insureds' medical records Source: Life Insurance News

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Cadillac plan tax math may shape ACA attack

Cadillac plan tax math may shape ACA attack To Republicans, the group health tax exclusion looks like a source of pay-for help, an ACA watcher says. Source: News

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Connecticut exchange adds broker comp mandate

Connecticut exchange adds broker comp mandate In California, exchange managers say their agent count is up. Source: News

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Trump budget pick seeks entitlement cuts as urgent step on debt

Trump budget pick seeks entitlement cuts as urgent step on debt Mick Mulvaney could oversee HHS budgeting, and regulatory and paperwork burden reviews. Source: News

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Trump is big unknown on ACA repeal at GOP retreat

Trump is big unknown on ACA repeal at GOP retreat Some Republicans say the Collins-Cassidy replacer proposal is not conservative enough. Source: News

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Helping employees start the year off on the right foot

Helping employees start the year off on the right foot Remind clients' workers about the benefits they have, and the gaps they still have. Source: Markets

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Truth comes from flipping Dave Ramsey’s financial advice

Truth comes from flipping Dave Ramsey’s financial advice Column: Use your head and not your heart. You’ll see just how flawed Dave Ramsey’s financial advice really is. Source: Life Insurance News

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Forward-thinking advisors focus on women

Forward-thinking advisors focus on women More than 90 percent of women report an overwhelming unhappiness with the financial services they’re receiving. Source: Life Insurance News

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Coming soon: President Trump's fiduciary rule executive order

Coming soon: President Trump's fiduciary rule executive order The President’s executive order to delay implementation of the Department of Labor’s fiduciary rule will likely happen within days. Source: Life Insurance News

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The one thing financial advisors can do to hit their 2017 goals

The one thing financial advisors can do to hit their 2017 goals What if there were just one thing that would automatically guarantee you’d hit or exceed all of your goals in 2017? Well I’m here to tell you, it does exist. Source: Life Insurance News

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State regulators eye life accelerated underwriting programs

State regulators eye life accelerated underwriting programs A team at the NAIC is looking at how well the programs predict mortality rates. Source: Life Insurance News

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Free anti-Zika efforts from accidental red tape

Free anti-Zika efforts from accidental red tape The Trump administration ought to give pandemic prevention efforts accelerated reviews. Source: Markets

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EBRI posts 2015 health savings account data

EBRI posts 2015 health savings account data An expanded HSA program could emerge from the ACA repeal fight. Source: News

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Math geniuses size up 5 ACA change ideas

Math geniuses size up 5 ACA change ideas An American Academy of Actuaries panel analyzes some popular health-law proposals. Source: News

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Republican lawmakers start to get real on health care

Republican lawmakers start to get real on health care The authors say a scalpel might work better in this situation than a hacksaw. Source: Markets

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Trump is running White House like a Democrat

Trump is running White House like a Democrat The author says Kellyanne Conway is a top-level manager for health policy issues. Source: Markets

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The evolution of consumerism in health care

The evolution of consumerism in health care This week's podcast addresses how how consumerism in health care may change in the near future, and what it means for your business. Source: Your Practice

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Massachusetts makes long-term care insurance rate deal

Massachusetts makes long-term care insurance rate deal Carriers can raise premiums up to 40%, but only by 10% per year. Source: News

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Latta kicks off 2017 estate tax fight

Latta kicks off 2017 estate tax fight H.R. 451 would repeal Chapter 11 of the Internal Revenue Code. Source: Life Insurance News

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4
4 things for agents to know about HHS pick Tom Price

4 things for agents to know about HHS pick Tom Price The orthopedic surgeon has had personal experience with providing home health care. Source: News

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Walgreens said to face U.S. antitrust concerns over Rite Aid fix

Walgreens said to face U.S. antitrust concerns over Rite Aid fix The companies hope to close their deal by Jan. 27. Source: News

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Legal analyst questions Trump ACA order impact

Legal analyst questions Trump ACA order impact State laws, ERISA and the ACA itself may all block a burden relief effort. Source: News

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6 ACA individual mandate replacement ideas

6 ACA individual mandate replacement ideas An American Enterprise Institute fellow says one alternative might be default enrollment. Source: News

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Are annuities doomed in 2017?

Are annuities doomed in 2017? The year ahead will bring regulatory changes, product innovation and, yes, declining sales. Source: Your Practice

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6 best sales practices learned from pet love

6 best sales practices learned from pet love Your cat may secretly be a sales wizard. Source: Life Insurance News

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Jackson National aims at fee-based, investment-only market

Jackson National aims at fee-based, investment-only market A new product comes with a monthly contract charge, but no mortality or expense charge. Source: News

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Internet Pipeline acquires Resonant

Internet Pipeline acquires Resonant The deal could help iPipeline users to build underwriting rules into the sales process. Source: News

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Sure, approve Tom Price

Sure, approve Tom Price But the author says Price ought to have a top-level deputy who's good on insurance risk. Source: Markets

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Overseas deployment support

Overseas deployment support A resilience specialist talks about what workers on on difficult jobs outside the United States need. Source: Markets

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Trump starts withdrawal from insurer-backed trade pact

Trump starts withdrawal from insurer-backed trade pact ACLI members see the Trans-Pacific Partnership agreement as a way to open doors overseas. Source: Life Insurance News

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New firm absorbs 23 other brokers and wealth managers

New firm absorbs 23 other brokers and wealth managers The firms making the deal used financing from Genstar Capital. Source: Life Insurance News

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Collins and Cassidy unveil partial ACA repeal bill

Collins and Cassidy unveil partial ACA repeal bill The PFA proposal would let a state choose one of three post-Obama paths. Source: News

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Judge cites 'serious concerns,' blocks Aetna's merger with Humana

Judge cites 'serious concerns,' blocks Aetna's merger with Humana John D. Bates questions whether the combined firm would pass any savings on to consumers. Source: News

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New firm absorbs 24 brokers and wealth managers

New firm absorbs 24 brokers and wealth managers The firms making the deal used financing from Genstar Capital. Source: Life Insurance News

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The 10 highest growth U.S. cities for life insurance in 2017

The 10 highest growth U.S. cities for life insurance in 2017 Life insurance sales growth is concentrated in about 3,600 ZIP codes that represent 50 percent of the market. Source: Life Insurance News

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Use guilt to re-energize your sales

Use guilt to re-energize your sales You know that sick feeling you get when you’re disappointed in yourself? Use that! Source: Life Insurance News

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Trump may end ACA insurance requirement, Conway says

Trump may end ACA insurance requirement, Conway says The new president's plan may also include HSAs and Medicaid block grants. Source: News

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Trump signs ACA burden relief executive order

Trump signs ACA burden relief executive order The order calls for agencies to defer or waive burdensome rules while the law remains in effect. Source: News

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3 benefits news bites: USI, NFP and Advice2Pay

3 benefits news bites: USI, NFP and Advice2Pay Ohio, Indiana and employee billing services are looking beautiful. Source: News

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HealthCare.gov ends Obama era with year-over-year gain

HealthCare.gov ends Obama era with year-over-year gain Andrew Slavitt, the head of CMS, said goodbye with a series of tweets. Source: News

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As Trump takes office, tax policy questions fly

As Trump takes office, tax policy questions fly Bank executives are wondering what will happen to bank-owned life insurance. Source: Life Insurance News

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Yellen backs gradual rate rises as Fed not behind the curve

Yellen backs gradual rate rises as Fed not behind the curve The central banker says one consideration is that the labor market looks good. Source: Life Insurance News

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Class decertified in mail-order pharmacy antitrust case

Class decertified in mail-order pharmacy antitrust case A judge says the record supporting certification is too weak to meet current standards. Source: News

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Trump takes reins of U.S. as divisions deprive him of honeymoon

Trump takes reins of U.S. as divisions deprive him of honeymoon Schumer says Trump's cabinet picks clash with what he says. Source: News

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The Roth annuity: a bright star in annuity investing

The Roth annuity: a bright star in annuity investing For the right client, adding a Roth IRA into the mix can eliminate or reduce the impact of the potential downsides of an annuity investing strategy. Source: News

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Stop pursuing clients, attract them instead

Stop pursuing clients, attract them instead Capitalize on the laws of sales attraction to draw in new clients. Source: Life Insurance News

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Air ambulance benefits matter

Air ambulance benefits matter We need an emergency medical transportation insurance gift card system. Source: Markets

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7 steps for generating the best leads

7 steps for generating the best leads Follow this map to create consistent, predictable new leads. Source: Life Insurance News

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Pension fears haunt Trump Treasury pick hearing

Pension fears haunt Trump Treasury pick hearing Steven Mnuchin said he wants to protect pension holders, but he skimped on details. Source: News

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Mutuals back NAIFA state-level lobbying effort

Mutuals back NAIFA state-level lobbying effort New York Life and Northwestern Mutual are trying to help advisors step up their game. Source: Life Insurance News

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Student loans, home equity loss pound household wealth

Student loans, home equity loss pound household wealth The median wealth of families with heads in 'Generation X' took an especially big hit Source: Life Insurance News

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Republican insurance commissioner proposes ACA patch

Republican insurance commissioner proposes ACA patch Jon Godfread says insurers need time to switch to a new system. Source: News

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Net price drives ACA health plan sales, feds say

Net price drives ACA health plan sales, feds say Here's evidence for the idea that prospects see the discounted price as the real price. Source: News

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HHS nominee hearing bares Senate ACA stabilization fight

HHS nominee hearing bares Senate ACA stabilization fight Lamar Alexander wants Congress to shore up the current system before replacing it. Source: News

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Plan in advance to handle customer complaints

Plan in advance to handle customer complaints Customer complains are a fact of life for financial advisors. Regulators expect advisors to have policies and procedures in place for handling them. Source: Life Insurance News

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Nationwide Insurance fraud case moves forward

Nationwide Insurance fraud case moves forward A federal judge has denied a motion by Nationwide Life Insurance Co. to dismiss a family's lawsuit accusing the insurance giant of fraud and breach of contract. Source: Life Insurance News

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NAFA responds to the DOL's proposed fiduciary rule exemption

NAFA responds to the DOL's proposed fiduciary rule exemption 'No industry of this size can turn on a dime,' Chip Anderson warns. Source: Life Insurance News

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A dozen ways to be your company's most valued employee

A dozen ways to be your company's most valued employee It's all about differentiation when you want to be known as your company's most valuable employee. Source: Life Insurance News

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NCOIL says trade deal may weaken state regulators

NCOIL says trade deal may weaken state regulators The U.S.-European Union pact leaves each country in charge of its own insurers. Source: Life Insurance News

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State crackdown on annuities sharpens suitability issues for advisors

State crackdown on annuities sharpens suitability issues for advisors Explaining the variations between different types of immediate and deferred annuities can prove challenging for even the most experienced advisor. Source: News

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DOL posts indexed annuity fiduciary rule exemption draft

DOL posts indexed annuity fiduciary rule exemption draft To get supervisory responsibility, a marketing organization might need $1.5 billion in annual sales. Source: News

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Never break these business email rules

Never break these business email rules Breaking these two rules could be harmful to your relationships with prospects, clients, colleagues and friends. Source: Life Insurance News

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National General acquires Medicare plan exchange

National General acquires Medicare plan exchange The company that bought Assurant's small-group benefits business still likes the health market. Source: News

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Blues see use of retail clinics doubling

Blues see use of retail clinics doubling Analysts found no signs that the clinics are reducing use of emergency room care. Source: Life Insurance News

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Trump’s health pick gets grilled on stock trading, the ACA

Trump’s health pick gets grilled on stock trading, the ACA Price says the replacement plan will include health savings accounts and high-deductible coverage Source: News

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Nebraska commissioner to lead NAIC life committee

Nebraska commissioner to lead NAIC life committee Bruce Ramge is well-known for his work on unclaimed property. Source: Life Insurance News

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Get ready to pay $500 more in Social Security taxes

Get ready to pay 0 more in Social Security taxes Millions of Americans will soon see a tax increase due to an automatic adjustment to their payroll deduction. Source: Life Insurance News

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The single biggest trait of a sales winner

The single biggest trait of a sales winner This is why 'some people make things happen whilst others... watch what happens.' Source: Life Insurance News

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A better way to position wellness programs

A better way to position wellness programs Andreas Deptolla has a strategy your benefits clients can use to determine the real-world value of wellness programs. Source: Markets

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CBO, Trump add to pressure for bipartisan ACA deal

CBO, Trump add to pressure for bipartisan ACA deal The CBO says repeal-and-wait could quickly increase the number of uninsured by 18 million. Source: News

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DOL releases fiduciary rule guidance specifically for advisors

DOL releases fiduciary rule guidance specifically for advisors According to benefits attorney Fred Reisch: 'Insurance companies can market their group variable annuity contracts to 401(k) plans without concern of fiduciary status.' Source: Life Insurance News

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UnitedHealth to take $350 million LTCI guaranty fund charge

UnitedHealth to take 0 million LTCI guaranty fund charge In prepared remarks, executives avoided using the word 'insurance'. Source: News

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Obama HHS explains how to estimate health regulation pain

Obama HHS explains how to estimate health regulation pain The authors of an informal guide leave out mention of agents and insurers. Source: Life Insurance News

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Shannon Pike to lead Financial Planning Association

Shannon Pike to lead Financial Planning Association The leader of a major advisor group appears to have a distant relationship with insurance. Source: Life Insurance News

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Life insurance application activity rose 0.3% in December

Life insurance application activity rose 0.3% in December Throughout most of 2016, life insurers had trouble attracting consumers under age 45. Source: Life Insurance News

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How to help clients keep New Year’s financial resolutions

How to help clients keep New Year’s financial resolutions Total financial wellness begins with baby steps not "big rocks." Source: Life Insurance News

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Entire health care industry suffers from a poor reputation

Entire health care industry suffers from a poor reputation Drug makers and insurers received terrible grades from participants in a new Harris Poll. Source: News

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Schumer calls for investigation of Trump HHS pick

Schumer calls for investigation of Trump HHS pick The senator wants to know more about the stocks Tom Price bought. Source: News

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Preparing young agents to serve retiring baby boomers

Preparing young agents to serve retiring baby boomers An important new book combines advice from 35 seasoned insurance and financial services experts to help train millennial agents to sell life insurance and Medicare supplements. Source: Life Insurance News

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Treasury economist finds women need help with LTC costs

Treasury economist finds women need help with LTC costs The report could be in the air when policymakers are designing tax proposals. Source: News

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Trump's trade promises are just plain dangerous

Trump's trade promises are just plain dangerous Even by his standards, President-elect Donald Trump's statements on trade have been stunning in their recklessness. Source: Your Practice

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Small companies have a big retirement problem

Small companies have a big retirement problem At companies with fewer than 50 workers, not even half the employees have access to a 401(k) or pension, according to the Bureau of Labor Statistics. Source: Life Insurance News

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Do you know your prospect's buy-in question?

Do you know your prospect's buy-in question? No matter what you're selling, there is usually one buy-in question that determines how interested and engaged your prospect is going to be. Source: Life Insurance News

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5 things late retirement savers can do right now

5 things late retirement savers can do right now No matter where someone currently stands with retirement savings, it’s never too late to start or revamp plans. Source: Life Insurance News

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The key to insurance industry process management

The key to insurance industry process management Management by heroics is never an effective approach. So don’t wait until processes fail to look at ways to improve. Source: Life Insurance News

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7 key ways the long-term care insurance market has changed

7 key ways the long-term care insurance market has changed The policies are different, the buyers different, and the goals are different. Source: Life Insurance News

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Hospitals are vanishing and undoing the ACA may make it worse

Hospitals are vanishing and undoing the ACA may make it worse Wall Street believes health law repeal will hurt facilities' earnings and cause some to shut down. Source: News

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