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Benefits & Financial Services

    A RETIREMENT READINESS REALITY CHECK

A RETIREMENT READINESS REALITY CHECK

Where do guaranteed lifetime income products fit? Benefits Products & Services By Thomas A. McCoy, CLU Ever since defined contribution (DC) plans supplanted defined benefit (DB) plans as the dominant retirement plan product in the workplace, the choices available to employees for their plan investments have been mostly stocks and bonds, in multifarious packaging, along with some stable value products. Annuities—the cornerstone financial security product of the defined benefit era—are

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    UPCOMING BENEFITS REGULATIONS ADDRESS FIDUCIARY STANDARDS

UPCOMING BENEFITS REGULATIONS ADDRESS FIDUCIARY STANDARDS

Agents, brokers and consultants offering benefits education and communication will be affected. By Len Strazewski Health benefits take political center stage as executive and legislative candidates argue about the success or failure of Obamacare, but retirement issues are also critical to a wide range of employers. In the next two years, a series of new regulations will change the way employers and their advisers will administer and communicate retirement benefits.

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    MANAGING HIGH-COST CLAIMANTS

MANAGING HIGH-COST CLAIMANTS

Develop health plan flexibility regardless of results of upcoming election If Republican presidential candidate Donald Trump is elected in November, the Obama Administration’s healthcare reform is targeted for quick repeal. If Democratic presidential candidate Hillary Clinton wins, expect Obamacare expansion on the fast track early in the new administration. In the meantime, what should employers and their agent and broker advisers do to cope with increasing costs and a need

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    WORKSITE BENEFIT SALES CONTINUE TO RISE

WORKSITE BENEFIT SALES CONTINUE TO RISE

Trend offers opportunities for agents and brokers Voluntary life insurance sales grew 8% in 2015 and supplemental health insurance sales grew 4%, to boost overall group employee-funded benefit sales for the year, according to LIMRA’s U.S. Worksite Sales survey. It’s the fifth straight year that voluntary sales have increased. Experts expect the trend to continue and say agents and brokers can catch the wave to boost revenue and better serve clients.

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    MATCHING PRODUCTS WITH NEEDS–ONE EMPLOYEE AT A TIME

MATCHING PRODUCTS WITH NEEDS–ONE EMPLOYEE AT A TIME

MetLife study points to value of one-on-one benefits education, especially for Millennials We’re more than halfway through the decade that will end in 2020—the year in which it is predicted that Millennials will represent almost half of the workforce. Even today, Millennials (ages 21-34) are the largest demographic group of employees. To sustain a loyal workforce, employers know that they must shape their benefits menu with a strong Millennial perspective.

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