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September 2009

Cover Story
Dave Williams believes in an old-fashioned approach: roll up your shirt sleeves and get to work. His philosophy is one where "there is no substitute for persistent, hard work," particularly when your focus is always on the client's best interest....


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Featured Articles


Managing LTCI objections
LTCI prospects aren't shy to say they're afraid they'll never use their coverage, or that they're better off self-insuring. It's your job to logically and passionately explain that this is not always the case....

Life insurance: The essential guide
While it's no secret the financial markets have taken hits in the past year, life insurance advisors are in a unique position. Read this special section to learn the key ways that safe products can turbocharge your practice....

5 Ways to gather Customer Testimonials
Surveys, advisory boards and putting clients first are on the list. Learn some of the top methods to get your clients to extol your virtues....

Back to the drawing board?
A U.S. Court of Appeals decision calling for a substantial rewrite, plus continued lobbying and counter-regulations, have put 151A back in the spotlight—but the story is far from over....

Columns


Up Front
More than twice as many retirees as last year report being worried about their financial situation and many are cutting spending or hiring financial professionals as a result....

That's Life
Some might compare the years in our lives to the seasons in a calendar year. Financial advisors can help their clients build financial plans based on these important years of their lives....

Coach's Corner
There was a time when I could actually do a standing back flip....

LTCI Insider
I work with many prospects who can afford to self-insure. Do you have a close to recommend that works in those situations?...

Annuity Advisor
Buying a fixed annuity is a virtuous decision....

Marketing Playbook
Here are a few more of the traps your senior clients may find themselves in without the benefit of your financial guidance and counsel, and the ways to fix them....

Practice Management
Multiple priorities consume our time--too much time....

Ethics in Action
"Mistakes."...

The Motivated Seller
Which do you think would be harder to train, a cat or a salesperson?...

The Close
President Obama has stated that health care is a ticking time bomb....

Departments


Seniors Speak Out
When I first met with my advisor, it was part of our overall plan....

The thing I like about my advisor is she doesn't push products....

Red Flag Reminder
Advisors who worry about family members or outsiders victimizing their elder clients should welcome the recent alliance between the North American Securities Administrators Association (NASAA) and the National Adult Protective Services Association (NAPSA)....

Prospecting
The age-old debate: Is one truly more important than the other? For sales professionals, the answer is unequivocally NO! Quantity AND quality are both important if you want to succeed....

Lead Generation
In a blog post on Eyes on Sales, John Doerr outlines 10 ways you may be misdirecting your marketing dollars when trying to increase your lead generation....

Source List
Company Name: Acacia Life Insurance Co. - A UNIFI Company Phone number: 800-319-6903 Website: www.unificompanies.com Product name: Excel LifeValue UL Availability: All states Issue ages: 0-85; varies by class Minimum face amount: $50,000;...

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