We would love to hear from you. Click on the ‘Contact Us’ link to the right and choose your favorite way to reach-out!


media/speaking contact

Jamie Johnson

business contact

Victoria Peterson

Contact Us


Close [x]

Archive for September 2019


  • Industry Articles (13,274)
  • Industry Conferences (2)
  • Industry Job Openings (16)
  • Negative Media (128)
  • Positive Media (73)
  • Sheryl's Articles (509)
  • Sheryl's Blogs (149)
  • Wink's Articles (204)
  • Wink's Blogs (169)
  • Wink's Press Releases (80)
  • Blog Archives

  • September 2019
  • August 2019
  • July 2019
  • June 2019
  • May 2019
  • April 2019
  • March 2019
  • February 2019
  • January 2019
  • December 2018
  • November 2018
  • October 2018
  • September 2018
  • August 2018
  • July 2018
  • June 2018
  • May 2018
  • April 2018
  • March 2018
  • February 2018
  • January 2018
  • December 2017
  • November 2017
  • October 2017
  • September 2017
  • August 2017
  • July 2017
  • June 2017
  • May 2017
  • April 2017
  • March 2017
  • February 2017
  • January 2017
  • December 2016
  • November 2016
  • October 2016
  • September 2016
  • August 2016
  • July 2016
  • June 2016
  • May 2016
  • April 2016
  • March 2016
  • February 2016
  • January 2016
  • December 2015
  • November 2015
  • October 2015
  • September 2015
  • August 2015
  • July 2015
  • June 2015
  • May 2015
  • April 2015
  • March 2015
  • February 2015
  • January 2015
  • December 2014
  • November 2014
  • October 2014
  • September 2014
  • August 2014
  • July 2014
  • June 2014
  • May 2014
  • April 2014
  • March 2014
  • February 2014
  • January 2014
  • December 2013
  • November 2013
  • October 2013
  • September 2013
  • August 2013
  • July 2013
  • June 2013
  • May 2013
  • April 2013
  • March 2013
  • February 2013
  • January 2013
  • December 2012
  • November 2012
  • October 2012
  • September 2012
  • August 2012
  • July 2012
  • June 2012
  • May 2012
  • April 2012
  • March 2012
  • February 2012
  • January 2012
  • December 2011
  • November 2011
  • October 2011
  • September 2011
  • August 2011
  • July 2011
  • June 2011
  • May 2011
  • April 2011
  • March 2011
  • February 2011
  • January 2011
  • December 2010
  • November 2010
  • October 2010
  • September 2010
  • August 2010
  • July 2010
  • June 2010
  • May 2010
  • April 2010
  • March 2010
  • February 2010
  • January 2010
  • December 2009
  • November 2009
  • October 2009
  • August 2009
  • June 2009
  • May 2009
  • April 2009
  • March 2009
  • November 2008
  • May 2008
  • February 2008
  • NAILBA Announces New Awards for Independent Distribution

    {September 11th, 2019} by Pam Sheehan

    For Immediate Release                                                                Contact: Pam Sheehan                                                                                                             Phone: 303-503-6305                                                                                                             Email: PSheehan@nailba.org   NAILBA Announces New Awards for Independent Distribution Seeking Nominations for 20 industry innovators and trailblazers   (Fairfax, VA, September 3, 2019) NAILBA, the Voice of Independent Distribution (ID), has announced the creation of the ID Twenty Awards. Honoring Independent Distribution’s most courageous […]

    Seven states, D.C. sue SEC over brokerage rules that weaken consumer protections

    {September 11th, 2019} by Associated Press

    Seven states and the District of Columbia have sued the Securities and Exchange Commission, saying the regulatory agency is putting investors in jeopardy by relaxing rules designed to ensure that securities brokers keep the interests of their customers ahead of their own. The lawsuit filed Monday in federal court in New York City asked a […]

    Life Insurers Are Hungry For Staffers: Jacobson

    {September 11th, 2019} by Allison Bell

    Interest rates may be low, regulators may be tough, sales of many of life, health and annuity products are flat — but life, health and annuity issuers say they’re hungry for workers, and much hungrier than issuers of property and casualty insurance. Life, health and annuity issuers expect to increase employment about 2.3% in the coming […]

    Jackson and eMoney Advisor Announce New Alliance

    {September 11th, 2019} by Jackson National Life Insurance Company

    NASHVILLE, Tenn. & RADNOR, Pa.–(BUSINESS WIRE)–Jackson National Life Insurance Company® (Jackson®) today announced a new strategic alliance with eMoney Advisor, a leading provider of technology solutions and services that help people talk about money. The collaboration enables Jackson’s wholesalers to show financial professionals how to use eMoney’s comprehensive financial planning software to evaluate how protected lifetime income […]

    Midland National Life Insurance Company Announces Strategic Accumulator Indexed Universal Life Product

    {September 11th, 2019} by Midland National Life Insurance Company

    WEST DES MOINES, Iowa, Sept. 09, 2019 (GLOBE NEWSWIRE) — Midland National® Life Insurance Company (Midland National), a member of Sammons® Financial Group, Inc. (SFG) and one of America’s leading insurance companies, today announced the launch of its Strategic Accumulator Indexed Universal Life (IUL) insurance product. The new IUL offers strong death benefit protection, a return of premium death benefit option, […]

    Acquiring a Life Insurer — Things You Need to Know Now

    {September 11th, 2019} by Reid Feldman, Daniel Rabinowitz, Kramer Levin Naftalis & Frankel LLP

    With M&A activity for life insurers or blocks of in-force business poised for a possible spike, acquirers of life businesses should consider factors that are peculiar to, or disproportionately affect, the life and annuity sector relative to other types of insurers such as property-casualty (p&c). Such features specific to life companies include the following, which require a […]

    4 people who bought life insurance in their 20s explain why they still think it was the right choice

    {September 11th, 2019} by Tanza Loudenback

    Life insurance usually isn’t top of mind for someone who hasn’t made it to their 30th birthday yet. But it pays off to be ahead of the curve if you’re expecting to have a family to protect one day. Generally, the younger and healthier you are when you buy life insurance, the cheaper it will be, […]

    September’s Life Insurance Awareness Month Is Here: Brooke Shields and Life Happens Drive Home the Importance of Life Insurance

    {September 11th, 2019} by Life Happens

    ARLINGTON, Va., Sept. 9, 2019 /PRNewswire/ — Life Happens, a nonprofit dedicated to educating consumers about the importance of life insurance and other related products for sound financial planning, kicks off its 16th annual Life Insurance Awareness Month (LIAM) campaign with actress, model, designer, and mother Brooke Shields to help educate and remind Americans about the importance of life insurance. […]

    Northwestern Mutual and Knights of Columbus Add Whole Life Policies

    {September 11th, 2019} by Allison Bell

    Two life insurers that are free from the need to report quarterly earnings to shareholders have introduced new whole life insurance products. Northwestern Mutual Life Insurance Company — a Milwaukee-based, policyholder-owned mutual life insurer — has introduced the Whole Life Plus policy. Knights of Columbus — a nonprofit fraternal life insurer based in New Haven, Connecticut — has introduced […]

    Lincoln, Penn Mutual pull insurance products from New York in wake of best-interest rule

    {September 11th, 2019} by Greg Iacurci

    More insurers are deciding to pull products like annuities and life insurance from the New York market as the state’s best-interest rule takes hold. Click HERE to read the full story via InvestmentNews.

    Northwestern Mutual launches customizable life offering

    {September 11th, 2019} by Ryan Smith

    Northwestern Mutual has announced the launch of a simplified, customizable life insurance offering, the Life Plus Series. The product line provides greater flexibility in an ever more complex planning environment, the company said. “Clients face a myriad of challenges and goals – from retirement savings and college funding to long-term care and legacy planning,” said […]

    The importance of life insurance between generations

    {September 11th, 2019} by Yahoo Finance Video

    September is Life Insurance Awareness Month and as the new Penn Mutual Life Insurance Company study shows, parents of the millennial generation are doing their best to safely plan for a family. Penn Mutual Life Insurance Company Chairman & CEO Eileen McDonnell joins Yahoo Finance’s Adam Shapiro and Julie Hyman to discuss. Click HERE to […]

    Insurer Balks at N.Y.’s Tough Annuity Rules

    {September 11th, 2019} by John Kimelman

    New York state’s new tougher rule on the sale of annuities and life insurance products is already taking its toll on the insurance industry. Investment News reports that Jackson National Life Insurance Co. has suspended sales of fee-based annuities in New York in response to a new rule that imposes tougher standards on brokers and life […]

    New “Retire4Real” Online Game Will Help Teens Understand the Importance of Investing for Retirement

    {September 11th, 2019} by Junior Achievement USA

    COLORADO SPRINGS, Colo., Sept. 5, 2019 /PRNewswire/ — Junior Achievement USA (JA) and leading organizations in the retirement services industry have developed a new online game, called Retire4Real, to help teens understand the importance of investing early for retirement. According to Secure Retirement Institute research, just 16% of American workers believe they are saving enough for retirement. Compounding this is the […]

    RetireOne Welcomes Jackson to Fiduciary Marketplace

    {September 11th, 2019} by RetireOne

    SAN FRANCISCO, Sept. 4, 2019 /PRNewswire/ — RetireOne®, the leading independent platform for fee-based insurance solutions, and Jackson National Life Insurance Company® (“Jackson®”) announced a new strategic alliance to bring the carrier’s popular advisory annuity products to fee-only advisors through the independent Registered Investment Advisor (“RIA”) channel. Three of the carrier’s fee-based products are now available through RetireOne’s platform: two […]

    Jackson National Suspends N.Y. Fee-Based Annuity Sales

    {September 11th, 2019} by Christopher Robbins

    Jackson National announced that it suspended the sale of fee-based annuities in New York last month due to the implementation of a new fiduciary regulation. At issue is Insurance Regulation 187, which requires that insurers offer consumers a comparison showing the differences between fee- and commissioned-based annuities. Jackson temporarily halted the annuity sales on Aug. […]

    Northwestern Mutual Reimagines Life Insurance With New Series

    {September 11th, 2019} by Northwestern Mutual

    MILWAUKEE, Sept. 4, 2019 /PRNewswire/ — Northwestern Mutual announced the launch of its new Life Plus Series, a simplified and highly customizable life insurance offering. Building on its more than 160 years of insurance expertise, the company’s new life product line provides greater flexibility, in tandem with industry leading long-term value, for today’s complex planning environment. “Clients face […]

    NY Best-Interest Rule Causing Insurers to Stop Offering Annuities in the State

    {September 11th, 2019} by Alex Padalka

    Now that New York’s tougher rules on the sales of annuities and insurance have gone into effect, insurers are preparing to stop selling the products in the state, according to news reports. Issued by the New York State Department of Financial Services, Regulation 187, as it’s known, requires financial entities selling annuities to consider their clients’ […]

    Understanding How Women Shape Retirement Planning

    {September 11th, 2019} by Portfolio Staff

    With $29 trillion of financial assets in retirement investment households in the United States, women who are the head of the household or a shared decision-maker control or influence $16 trillion, based on research from Global Atlantic Financial Group and Kehrer Bielan. Financial advisors need to consider how women approach these crucial financial decisions. The Understanding […]

    Stop Bashing the Life Policy Summary Update Effort: Birny Birnbaum to Industry Groups

    {September 11th, 2019} by Allison Bell

    A consumer representative says industry groups should ease up on state regulators’ efforts to develop new life insurance illustration summary rules. The National Association of Insurance Commissioners’ Life Insurance Illustration Issues Working Group is in charge of the summary update project. Birny Birnbaum, executive director of the Center for Economic Justice, says representatives from the American […]

    September 11 and Life Insurance Awareness Month

    {September 11th, 2019} by Allison Bell

    The following is an updated version of an article that ran Sept. 11, 2018. Today is the 18th anniversary of the terrorist attacks on the World Trade Center in New York, and on the Pentagon in Washington, D.C. It’s also Life Insurance Awareness Month. One way to observe the day is to reflect solemnly on what […]

    Fraternals Want Congress to Speak Up for IRC Section 501(c)(8)

    {September 11th, 2019} by Allison Bell

    The American Fraternal Alliance — a group for 59 not-for-profit fraternal benefit societies in the United States and Canada — is asking Congress to confirm that it supports the fraternals’ U.S. federal income tax exemption. The alliance is working to line up votes in the House and Senate for two fraternal support resolutions, House Concurrent Resolution 27 […]

    Here Is Annnuities’ Worst Enemy

    {September 11th, 2019} by Allison Bell

    State and federal policymakers are still debating new sales standards proposals that could affect financial professionals who help clients with annuities, and still implementing the new sales standards that have already been adopted. Members of the Insured Retirement Institute and the National Association of Insurance and Financial Advisors are meeting this week, partly to talk […]

    Apple, Apple, Apple, Orange

    {September 11th, 2019} by Jack D. Aiken

    Three times in the past week I came across articles in the financial press that mischaracterized what annuities are, do, and the role they play in retirement planning. These were not intentionally misleading rants such as we often see flipping channels on late night cable or falling out of our junk mail. Nor were they […]

    SEC sued by seven states to kill Reg BI investment-advice rule

    {September 11th, 2019} by Greg Iacurci

    Seven states and the District of Columbia sued the Securities and Exchange Commission and agency Chairman Jay Clayton to overturn an investment-advice rule that is meant to overhaul how brokers work with their clients but that plaintiffs claim is too weak. Click HERE to read the full story via InvestmentNews. 

    8 Attorneys General Sue SEC Over Reg BI

    {September 11th, 2019} by Melanie Waddell

    Eight attorneys general filed a federal lawsuit Monday in the Southern District of New York challenging the Securities and Exchange Commission’s Regulation Best Interest for failing to institute a uniform fiduciary standard and “meet basic investor protections” that were laid out in the Dodd-Frank Act. “With this rule, the SEC is choosing Wall Street over Main […]

    Prudential Spends $2.35 Billion to Make Financial Wellness Boost Growth

    {September 11th, 2019} by Allison Bell

    Securities analysts have been asking executives from Prudential Financial Inc. when the company’s financial wellness outreach strategy will lead to higher sales. Prudential announced Thursday that it is making a deal that could help convert financial wellness outreach into sales. The Newark, New Jersey-based company has agreed to pay $2.35 billion up front to acquire […]

    AXA Adds Chief Strategy And Customer Experience Officer

    {September 11th, 2019} by Joyce Blay

    New York-based AXA Equitable announced the appointment of Caroline O’Connell to the new position of chief strategy & customer experience officer. O’Connell will be responsible for driving the company’s growth strategy as well as end-to-end client journey and cross-channel experience. Prior to joining AXA Equitable, O’Connell worked for BNY Mellon in a number of roles, […]

    InsurMark Announces Barclays Bank and Yale Economist Robert Shiller Research Showing Fixed Indexed Annuity With CAPE Index Would Have Outperformed Bonds

    {September 11th, 2019} by InsurMark

    HOUSTON, Sept. 6, 2019 /PRNewswire-PRWeb/ — InsurMark, a leading independent distributor of retirement solutions, announced new academic research from Barclays Insurance Solutions team and renowned economist Professor Robert Shiller, “Investment Characteristics of FIAs.” The research outlines an approaching crisis for Americans nearing retirement and finds a potential solution in fixed indexed annuities (FIAs). Shiller, Sterling Professor of Economics, […]

    XY Planning Network sues SEC over Reg BI

    {September 11th, 2019} by Ryan W. Neal

    XY Planning Network, the coalition of fee-only financial planners founded by Michael Kitces and Alan Moore, is suing the Securities and Exchange Commission for creating what they say is an unfair competitive advantage for broker-dealers with the agency’s Regulation Best Interest investment-advice rule. Click HERE to read the full story via InvestmentNews. 

    Annuity Illustrations: Liability Your Agents Don’t Need

    {September 11th, 2019} by Sheryl J. Moore

     When it comes to life insurance sales, you cannot close the deal without an illustration. Thanks to the National Association of Insurance Commissioner’s (NAIC’s) Life Insurance Illustration Model Regulation, there are very few instances where one need not collect an illustration to get a life policy issued. However, when it comes to the annuity side […]

    Finra will defer to SEC on interpreting best interest rule

    {September 11th, 2019} by Mark Schoeff Jr.

    When a new investment advice standard for brokers is implemented next June, Finra will be responsible for examining brokers for compliance. Click HERE to read the full story via InvestmentNews.

    Annuities: Strategy vs. Product

    {September 11th, 2019} by Susan Rupe

    If you want to convince someone of the need for an annuity, position it as part of a strategy instead of merely presenting it as a product. That was one takeaway for advisors after the fifth annual Guaranteed Lifetime Income Survey showed a gap between what consumers think of annuities and what advisors are telling […]

    Prudential buys Assurance IQ for $2.35 billion in new tech bet

    {September 11th, 2019} by Bharath ManjeshR

    (Reuters) – Prudential Financial Inc is set to buy online insurance startup Assurance IQ Inc for $2.35 billion, the latest in a series of moves by traditional insurers to up investment in technology and data crunching by buying Silicon Valley startups. Shares of Prudential, which have struggled in the year since Charles Lowrey took over […]

    Ash Brokerage aligns with AIMCOR Group, LLC

    {September 11th, 2019} by Ash Brokerage

    PHILADELPHIA, Pa. and FORT WAYNE, Ind., Sept. 4, 2019 /PRNewswire/ — Ash Brokerage, a brokerage general agency based in Fort Wayne, Indiana has announced its intent to become a member of the AIMCOR Group, LLC, a National Insurance Marketing Organization that distributes and services life, disability, LTC and annuity products through a variety of independent, institutional and alternative channels. (PRNewsfoto/AIMCOR Group, LLC) “Ash […]


    {September 11th, 2019} by Pacific Life

    Media Contact: Steve Chesterman (949) 219-3243 schesterman@pacificlife.com PACIFIC LIFE INTRODUCES PROTECTED INVESTMENT BENEFIT New optional benefit offers 90% protection from market declines and unlimited growth potential NEWPORT BEACH, Calif. September 9, 2019—Pacific Life Insurance Company just introduced Protected Investment Benefit, an optional benefit available with certain Pacific Life variable annuities. As a long-term investment designed […]

    2Q Life Insurance Sales Show Strength

    {September 11th, 2019} by John Hilton

    The second quarter was a good one for life insurance sales. New data by Wink’s Sales & Market Report shows strong sales in several product lines. Click HERE to see the slideshow via INN.

    Headwinds to annuities in 401(k) plans persist

    {September 11th, 2019} by Greg Iacurci

    The uptake of annuities in 401(k) plans has been muted and slow. Click HERE to read the full story via InvestmentNews. 

    Phishers Are Using the NAIC Logo to Hook Producers

    {September 11th, 2019} by Allison Bell

    Cyber criminals have come up with a new strategy for getting insurance agents and brokers to click on dangerous links: They convey the idea that they’re insurance industry insiders by referring both to the National Association of Insurance Commissioners and to the NAIC’s Center for Insurance Policy and Research (CIPR). The NAIC has posted an […]

    4 Succession Planning Questions for High-End Life Insurance Clients

    {September 11th, 2019} by Jason Baum

    If you sell high-end life insurance to business owners, succession planning for the business may be as important to your client’s well-being as financial and estate planning will be. Many business owners know, in theory, the importance of the business transition plan, but a large majority will often fail to act on what they know. […]

    Are annuities right for you? It’s worth doing some homework to get the answer

    {September 11th, 2019} by Chris Farrell

    A recent pitch I received to learn more about the annuity market included the line, “annuities are coming, whether you like them or not.” The basic idea behind an annuity is in exchange for investing in the product with an insurance company, you get a steady stream of income for life. An annuity offers protection […]

    Financial Focus: Ask yourself this: What’s keeping you from protecting your family’s future?

    {September 11th, 2019} by Michael Paolino, Edward Jones Financial Advisor

    Think about your loved ones. What will their future be like? Can you picture them living in your house many years from now? Can you picture your children going to college? Can you picture your spouse or partner enjoying a comfortable retirement? These are all pleasant visions – but what if you weren’t in these […]

    Educating consumers about financial services products: REPRINT #LIAM2019

    {September 10th, 2019} by Sheryl J. Moore

      Originally posted April 6th, 2011 by Sheryl J. Moore I wrote the following article so that your clients could have an important high-level overview of financial services. It was prompted by an exchange that I had with a fellow member of my credit union’s board of directors. I hope that this helps you, your business, […]


    {September 10th, 2019} by Sheryl J. Moore

    Recently, one of the largest Field Marketing Organizations (FMOs) in the country asked for Wink’s help with a big premium financing case. While preparing to run illustrations for the study, our team reviewed the list of products that the FMO wanted to include. I was shocked to see that while all of the products were […]


    {September 10th, 2019} by Wink's RockStars

    September is Life Insurance Awareness Month #LIAM!  Wink supports Life Insurance Awareness and will be joining in this month’s awareness campaign! We are reprinting Sheryl’s most requested life insurance-focused articles all month long; they will be indicated with “reprint” in the title.  You’ll find these timeless articles are still relevant today. While life insurance is […]


    {September 10th, 2019} by Sheryl J. Moore

    February 7, 2011 It has been nearly thirty years since consumers were first offered the benefits of Universal Life (UL) and with UL came flexibility in premium payments, death benefit options, coverage amounts, and all sorts of other things that they never dreamed of. UL was the beginning of a whole new world of product […]

    Regina Bedoya to Lead Million Dollar Round Table

    {September 10th, 2019} by Allison Bell

    The new leader of the Million Dollar Round Table comes from the United States. Regina Bedoya, the MDRT’s 2020 president, is the president of RB Financial Advisors of Juno Beach, Florida. Bedoya took over from Ross Vanderwolf, who now serves on the MDRT executive committee as the group’s immediate past president, this week in Sydney, […]

    IRI Makes It to Charleston

    {September 10th, 2019} by Allison Bell

    Members of the Insured Retirement Institute (IRI) gathered in Charleston, South Carolina, today for the group’s Vision19 annual conference. Just a week ago, organizers were worrying that Hurricane Dorian might force IRI to postpone or cancel the three-day event. Charleston weathered the hurricane well. Hurricane-related worries are now in the organizers’ past. But issuers of annuities […]

    NAIC Seeks 2020 Funded Consumer Reps

    {September 10th, 2019} by Allison Bell

    The National Association of Insurance Commissioners (NAIC) is recruiting applicants for its 2020 Consumer Liaison Program. The NAIC is a Kansas City, Missouri-based group for state insurance regulators. It does not generally have direct authority to change state insurance laws or regulations, but, in some cases, states have made arrangements for NAIC changes to some […]

    Ex-SEC Enforcement Chief Khuzami Takes Leadership Role at Guggenheim Partners

    {September 10th, 2019} by Christine Simmons

    Opting against Big Law after his latest high-profile stint in government, Robert Khuzami has joined asset manager and investment bank Guggenheim Partners, one of his former clients. Khuzami, a former director of the SEC’s enforcement division, Kirkland & Ellis partner and senior in-house lawyer at Deutsche Bank, was most recently the right-hand man to U.S. Attorney […]

    More DC Plans Offering Lifetime Income Options, Including Annuities

    {September 10th, 2019} by Bernice Napach

    A growing number of defined contribution plans are either offering investment options to provide lifetime income in retirement or are considering doing so, according to a new survey from Willis Towers Watson, a retirement consulting firm. Of the 164 DC plan sponsors surveyed, 30% offer lifetime income solutions, up from 23% in a 2016 survey, and almost […]

    Unum study: Many U.S. adults find finances daunting; 40% don’t have or don’t know if they have life insurance

    {September 4th, 2019} by Unum

    CHATTANOOGA, Tenn.–(BUSINESS WIRE)–Employee benefits provider Unum (NYSE: UNM) finds that 38% of U.S. adults rate their ability to manage finances as average, poor, or very poor. An additional 40% of respondents say they don’t have or don’t know if they have a life insurance policy to financially protect their loved ones. These findings and more are part […]

    9 Things You Need to Know About Life Insurance

    {September 4th, 2019} by Lincoln Financial Group

    RADNOR, Pa.–(BUSINESS WIRE)–Approximately 37.5 million U.S. households currently have no life insurance coverage, and nearly half of all households are underinsured, putting them at risk of not being able replace their income and missing out on a valuable financial tool.1 During Life Insurance Awareness Month (September), Lincoln Financial Group (NYSE: LNC) shares ‘9 Things You Need […]

    Meet the Top Broker-Dealers of 2019

    {September 4th, 2019} by Janet Levaux and Ginger Szala

    The 2019 Broker-Dealer of the Year winners do what it takes to best serve their advisors, regardless of the challenges they face. This certainly has been the case since (at least) 1995, when Investment Advisor began asking independent advisors for their views on the support, services and payouts they receive from their respective independent broker-dealers. […]

    Jackson National suspends fee-based annuity sales in New York due to best-interest rule

    {September 4th, 2019} by Greg Iacurci

    Jackson National Life Insurance Co. has suspended sales of fee-based annuities in New York in response to a new rule that imposes tougher standards on brokers and life insurance agents selling insurance products in the state. Click HERE to read the full story via InvestmentNews       ………………………………………………………………………………………………………………… “I’m looking at New York as a pilot […]

    Northwestern IBD taps women for key roles following executive shakeup

    {September 4th, 2019} by Tobias Salinger

    Northwestern Mutual aims to make good on its CEO’s pledge that the firm “will not waver” in its efforts to advance women in the executive ranks. After five women left their executive positions earlier this year, the insurer promoted two others to top roles at its broker-dealer. The firm stands out as one of only six […]

    How to Help Prospects ‘Get’ Life Insurance

    {September 4th, 2019} by Jerry Cohen

    Here’s an article to help you get in the right frame of mind for Life Insurance Awareness Month. For many people who write life insurance, the task is not that easy. The way I see it, we’re up against at least four big obstacles: People would prefer not to think about their own demise. They […]

    Frequent Senior Market Firm Buyer Gets More Cash

    {September 4th, 2019} by Allison Bell

    A Dallas-based senior market products company that has been gobbling up smaller competitors says it now has a major new investor. Managers of Integrity Marketing Group LLC say the firm has taken a “growth investment” from Harvest Partners. Harvest Partners is a midsize private equity firm based in New York. Integrity Marketing managers did not say […]

    Clients Want to Work With Female Advisers, and Firms Are Taking Notice

    {September 4th, 2019} by Veronica Dagher

    Over the past two years, Jane Schwartzberg, head of strategic client segments at UBS Group AG ’s U.S. wealth-management unit, has seen a marked increase in requests from prospective clients who want to work with female financial advisers. “It’s not that women make better advisers,” said Ms. Schwartzberg, who oversees the firm’s marketing efforts to women, business owners […]

    Your Clients Might Have These Misconceptions About Fixed Annuities

    {September 4th, 2019} by Wire Reports

    Between your 401(k) or pension, your IRA and Social Security, you hope to have enough to enjoy a comfortable retirement lifestyle. Yet, you may want, or need, to find other financial resources – one of which might be a fixed annuity, which offers a guaranteed interest rate and can be structured to provide a lifetime […]

    Insurance Navy Brokers Now Offers Life Insurance

    {September 4th, 2019} by PR.com

    Chicago, IL, September 01, 2019 –(PR.com)– As a leader in the insurance industry of Illinois, Insurance Navy has added life insurance policies to its list of insurance services. Life insurance is the perfect service for those whose families depend on their income. Life insurance rates vary between men and women. However, for both, rates increase with age. The best time […]


    {September 4th, 2019} by OneAmerica

    OneAmerica®-Harris Poll illustrates appetite as American workers seek to protect their financial futures INDIANAPOLIS, August 24, 2018 Although just over a quarter of employed1 Americans (27%) have voluntary group life insurance, 68 percent of workers who say they don’t because their employer doesn’t offer it would be somewhat or very likely to purchase it if offered […]

    Knights of Columbus Insurance Launches Two Whole Life Insurance Products

    {September 3rd, 2019} by Knights of Columbus

    NEW HAVEN, Conn., Sept. 3, 2019 /PRNewswire/ — Knights of Columbus (“K of C”), a Fortune 1000 insurer with more than $25 billion in assets, announced today that it has launched two more permanent life insurance products in The Knights Advantage Series in the U.S. and Canada: Limited Pay Whole Life and Single Premium Whole Life. Both the Limited Pay Whole Life and the Single […]

    Gender Identification Debated By Insurance Regulators

    {September 3rd, 2019} by John Hilton

    The controversial gender identification issue came up Tuesday as state insurance regulators continued debating its long-delayed “policy overview” summary to accompany life insurance sales. A National Association of Insurance Commissioners’ working group was working through language in the policy overview when it took up a request by Pacific Life to change “gender” to “sex.” Birny […]

    States aren’t great at regulating insurance

    {September 3rd, 2019} by Ethan Schwartz

    The U.S. insurance industry offers a test case of decentralized authority: Unlike much of the investment business, which is supervised at the federal level, insurers are almost entirely overseen by the states. Click HERE to read the full story via InvestmentNews.

    Variable, indexed annuities may cost more than you think

    {September 3rd, 2019} by Greg Iacurci

    Variable and indexed annuities are lambasted in some circles as being high-cost insurance products, with all-in annual expenses often exceeding 3%-4%. Click HERE to read the full story via InvestmentNews       Wink’s Note: 1. Lumping VAs and IAs together, in asserting that the products have “annual expenses often exceeding 3% – 4%” is […]

    What Life Insurers Are Telling the SEC About the 2017 CSO Shift

    {September 3rd, 2019} by Allison Bell

    U.S. life insurers are talking about the big new life insurance mortality table shift in some of the reports they file for life insurance policies and annuities that are classified as securities. The National Association of Insurance Commissioners (NAIC) approved the new 2017 Commissioners’ Standard Ordinary (CSO) Mortality Tables — which help life insurers keep life […]

    Let’s Make Life Insurance Conversations More Mainstream

    {September 3rd, 2019} by Wendy Herndon

    The subject of death isn’t exactly dinner-table conversation. In fact, it can feel uncomfortable just thinking about — let alone talking about — this topic. However, preparing for death is one of the most important acts you can do for your family. After all, the loss of a loved one is hard enough without the added […]

    Planning Software Firm Adds Life Insurance Gap Finder Tool

    {September 3rd, 2019} by Allison Bell

    A financial planning tech company is celebrating Life Insurance Awareness Month by adding a life insurance awareness tool to its Foundational Planning system. The company — Radnor, Pennsylvania-based eMoney Advisor — has built in a life insurance gap analysis module. Financial professionals can use the tool to illustration clients’ life insurance needs either on a stand-alone basis […]

    Finke and Pfau on Income Annuity Basics, and What to Know Before You Buy

    {September 3rd, 2019} by Contributor

    Retirees are worried that they are running out of money, which is one of the reasons annuities continue to grow in popularity among older investors. The right type of annuity can help ease that concern by providing a dependable income stream when retirees are stop receiving a paycheck. A recent study conducted by Michael Finke and Wade […]

    Insurance Department Announces Restitution for Consumers in Major Annuity Scam

    {September 3rd, 2019} by Contributor

    Insurance Commissioner Jessica Altman recently announced her department has gotten more than $117,000 in restitution for 25 Pennsylvania consumers victimized in a major annuity scam. “I am pleased we were able to recover this money for Pennsylvanians, many of them elderly, who were taken advantage of by two licensed insurance agents,” Altman said. “These agents […]

    Attractive annuity yields are becoming harder to find

    {September 3rd, 2019} by Contributor

    As long-term interest rates falter, attractive annuity yields are becoming harder to find. In the past, some multi-year guarantee annuities offered annual yields upwards of five percent guaranteed over a five-year period. Today, financial advisers are lucky if they find a highly rated insurer yielding over three percent. Gregory Olsen, partner at Lenox Advisors Inc., […]

    What If Life Applicants Decline to Choose a Gender?

    {September 3rd, 2019} by Allison Bell

    Some people now try to avoid identifying themselves as male or female. In some cases, those people prefer to describe themselves as being “nonbinary.” An actuary on the staff at the National Association of Insurance of Commissioners (NAIC) is wondering whether, and how, the existence of nonbinary people  might affect the world of life insurance. Reggie Mazyck, […]

    Brooke Shields Brings New Energy To Life Insurance Campaign

    {September 3rd, 2019} by John Hilton

    Life Happens was so pleased with racecar driver and personality Danica Patrick as the face of its annual 2017 life insurance campaign, they signed her up for a second year. Keeping that momentum going into 2019 was going to be difficult – but then Brooke Shields expressed interest in fronting this year’s campaign. And the […]

    Protecting What We Work To Provide

    {September 3rd, 2019} by Dave Wilken

    One of the main reasons most Americans work is to provide for our families. At its heart, life insurance protects the security our income provides in the event of an untimely death. Life insurance can be a financial lifeline for loved ones when a spouse or parent is lost. The value it provides can immediately […]

    Venerable Completes Rebranding of Voya Insurance and Annuity Company

    {September 3rd, 2019} by Venerable

    WEST CHESTER, Pa., Sept. 3, 2019 /PRNewswire/ — Venerable Holdings, Inc. (Venerable) announced today that its Voya Insurance and Annuity Company subsidiary has been renamed to Venerable Insurance and Annuity Company (VIAC). As announced on June 1, 2018, Venerable purchased Voya Insurance and Annuity Company from Voya Financial, Inc. (Voya) as part of Voya divesting substantially all of its […]

    Advisors Face A ‘Pretty Optimistic’ Future Thanks To Baby Boomers

    {September 3rd, 2019} by John Hilton

    Chip Roame is “pretty optimistic” about the near future of the financial services industry and he points to two words as the reason why: baby boomers. It’s really just simple math, said Roame, managing partner of Tiburon Strategic Advisors, a California consulting firm. Roame hosted a research call Thursday on consumer wealth, baby boomers and […]

    5 Hurricane Dorian Prep Ideas, for Annuity Professionals

    {September 3rd, 2019} by Allison Bell

    he weather is unpredictable. Hurricane Dorian could flood many areas near the East Coast, or it could just cause a few ordinary thunderstorms. But the hurricane has already caused terrible devastation for people in the northern Bahamas, and it has already served as a reminder of why people use insurance to manage risk. Financial professionals who […]

    Prudential Financial announces leadership succession for U.S. Businesses

    {September 3rd, 2019} by Prudential Financial, Inc.

    Andrew Sullivan to lead growth-oriented and purpose-driven U.S. leadership team focused on accelerating financial wellness strategy Media Contact(s) MEDIA:  Linda Fung (973) 802-7373 linda.fung@prudential.com Alan Sexton (973) 367-7415 alan.sexton@prudential.com August 29, 2019 NEWARK, N.J., August 29, 2019 – Prudential Financial, Inc. (NYSE:PRU) today announced that Andrew Sullivan will succeed Stephen Pelletier as executive vice president and […]

    Broadridge’s Latest Acquisition Is Financial Database Services

    {September 3rd, 2019} by Jeff Berman

    Broadridge Financial Solutions has strengthened its advisor compensation capabilities by acquiring San Diego-based Financial Database Services (FDS), Broadridge said Tuesday without disclosing the purchase price. FDS, founded in 1989, developed Caesar, a back-office management solution for BDs, according to its LinkedIn profile. The company employs 18 people and Broadridge was planning to offer each of them jobs, […]

    What’s the ideal annual withdrawal rate?

    {September 3rd, 2019} by Craig L. Israelsen

    There is one question asked by all planners’ clients: “How much can I safely withdraw from my retirement portfolio?” There are so many personal variables to factor in for each client that it might seem impossible to approach any sort of sensible answer. But we actually can — premised on several assumptions. Here I’ll show […]


    {September 3rd, 2019} by Press Release

      — FOR IMMEDIATE DISTRIBUTION — NEWS RELEASE   LIFE SALES INCREASE BY DOUBLE DIGITS Wink, Inc. Releases Second Quarter, 2019 Life Sales Results   Des Moines, Iowa. August 30, 2019– Wink, Inc. released second quarter, 2019 life sales results in its 88th edition of Wink’s Sales & Market Report. Wink’s Sales & Market Report, the […]

    The Society of Annuity Facts and Education (SAFE) responds to “Why Indexed Annuities May Promise More Than They Deliver”

    {September 3rd, 2019} by Sheryl J. Moore

            Dear Ms. Wang,   We appreciate you reaching-out to us last week, to ensure the accuracy of your reporting on annuities. The Society for Annuity Facts and Education (SAFE) is always interested in discussing the facts about annuities.  That said, we found some errors in your article “Why Indexed Annuities May […]

    Life Insurance Awareness Month

    {September 3rd, 2019} by Wink's RockStars

      September is Life Insurance Awareness Month #LIAM!  Wink supports Life Insurance Awareness and will be joining in this month’s awareness campaign! Follow us on Facebook and Twitter for insurance facts from our  Life Insurance 101.  We will be reprinting Sheryl’s most requested life insurance-focused articles all month long; they will be indicated with “reprint” in the […]

    Understanding Indexed Life Illustrations: Reprint #LIAM2019

    {September 3rd, 2019} by Sheryl J. Moore

    At what rate do we illustrate the cash value growth of indexed life insurance products?   This is a question that has plagued the life insurance industry since indexed universal life (IUL) was developed in January 1997. The National Association for Insurance Commissioners (NAIC) adopted the life insurance illustration model regulation two years before the […]

    I Give a Damn About Life Insurance – You Should Too! REPRINT FOR #LIAM2019

    {September 3rd, 2019} by Sheryl J. Moore

    Starting out in the insurance industry 20 years ago, there was one thing that I learned quickly and that was life insurance was a necessity. Life insurance guards against the risk of dying unexpectedly. And let’s face it – we’re all going to die. For that reason alone, I thought that I should purchase life […]

    Lincoln Financial Group Names Industry Veteran as Senior Vice President, Life & Annuity Operations

    {September 3rd, 2019} by Lincoln Financial Group

    RADNOR, Pa.–(BUSINESS WIRE)–Lincoln Financial Group (NYSE: LNC) announced today that Christopher Fleming has joined as senior vice president and head of Life & Annuity Operations. In this role, Fleming will focus on accelerating the company’s efforts to enhance the customer experience and continue to improve internal operating efficiency. He will report directly to Jamie Ohl, […]

    Principal Financial Group Accelerates Growth Strategy with Accenture Life Insurance & Annuity Platform

    {September 3rd, 2019} by Principal Financial Group

    NEW YORK–(BUSINESS WIRE)–Accenture (NYSE: ACN) today announced that Principal Financial Group® (NASDAQ: PFG) has implemented the Accenture Life Insurance & Annuity Platform (ALIP) to enable its digital growth strategy with enhanced service levels and operating efficiency. Applying ALIP’s automated functionality and seamless connectivity to third-party partners, Principal® can provide its customers with faster service as a result […]

    Fixed Indexed Annuities Are on a Roll

    {September 3rd, 2019} by Bernice Napach

    Fixed indexed annuities are making a comeback following the demise of the Labor Department fiduciary rule last year and rising volatility in the current stock market, according to a new report from Cerulli Associates. In the first quarter of 2019, sales of fixed indexed annuities (FIAs), which guarantee a minimum rate of return usually tied […]