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December 1999

  • My Favorite Client
    I am struck by this thought: If this were my daughter in the wheelchair, would I love her as much as Maxine loves Beth? Could I make my needs completely secondary to the task of serving her? And then could I do as the Book of James instructs and “consider it all joy”? The questions stagger me.

November 1999

  • Bugged!
    Are you ready for Y2K?

  • Taxing Prosperity
    Since both life insurance and annuities incorporate so many tax advantages for investors and beneficiaries, sponsors of annuities feel their product deserves similar deference.

  • What Child is This?
    When parents or other benefactors have enough assets to give to children, life insurance can be an effective accumulation vehicle.

August 1999

  • Asset Allocation Thinking and Consulting
    The Internet and financial magazines and newsletters are bursting with commentary that tells readers to be X percent in stocks, Y in bonds and Z in cash—a premise that suffers from the misconception that all investors are alike.

  • A Case for Whole Life
    Variable life has been touted as the best life insurance product to use to build high cash values. However, over the long term, whole life is the better bet.

  • Dealing With Disability Claim Denial
    Most DI companies are finding that claim outgo is exceeding their income, from both premiums and return on investment.

  • A Glossary of Insurance Terms
    Many times we encounter terminology in the arcane world of insurance lingo that we don’t understand. Keep this guide close at hand so you won’t be confused by the next big word or phrase that comes at you from the home office or advanced underwriting.



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