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How Serious Is the Hazard of Smoking?
Edwin P. Morrow, CLU, ChFC, CEP, CFP®, RFC®
More Life Coverage.
Generally speaking, the floor of benefits available
to beneficiaries of workers is reducing with
regard to the need for income. Employees are reducing,
limiting or eliminating survivor income benefits within
their benefit plan structure. Reason – they cost
money, and these benefits don’t seem to be appreciated.
So they are being reduced or dropped.
 Financial
Planners Face More
Lawsuits Than Do Physicians!
Protect
Yourself from Litigious Clients and Regulatory Agencies
Part I
A Financial Services Journal On-Line Interview With
Jerry L. Reiter
Chief Executive Officer
Financial Advisors Legal Association
By Forrest Wallace Cato, RFMA, RTIC, RFC
FA Legal is the industry leader in litigation prevention
and legal defense to individual financial professionals.
We focus on prevention. The old
saying; "An ounce of prevention is worth a pound
of cure" especially applies to this industry. FA
Legal provides tools to make the application of systems
to prevent and prevail against litigation – easy
and virtually brainless. Our systems are considered by
many to be the Gold Standard with respect to "bullet
proofing" a financial practice against a legal attack.
 Betting
on your Future? Not a Good Plan
by Susan A. Friedmann
Recently, the lottery in NY -- the state I call home --
reached a record jackpot, larger than ever before. When
I penned these words, the grand total of funds just waiting
to be won was over 340 million dollars. As you can imagine,
this got people talking. Almost every local newscast covered
the huge jackpot. People were lining up at convenience
stores across the state, hoping against hope to cash in
and win big.
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 Are
there too many wealth managers in America?
By Donald Moine, Ph.D.
Enter the words "wealth manager"
on Google, and you'll come up with 232,000 hits. The
top sponsored link is for Charles Schwab. Schwab is
a truly outstanding firm, but when you think of wealth
managers do you think of Schwab? Enter "wealth
manager" with the names of various wirehouses,
brokerage firms and insurance companies, and you'll
find that advisors at almost every firm are now calling
themselves wealth managers.
 You
Can Ask
Ben Feldman's Questions!
By Rick White, RFC, FMM
As most readers of Financial Services Journal
On-Line know, the late Ben Feldman
was one of the most successful insurance sales agents
of all time. According to Lew Nason
of the famous Insurance Pro Shop, "It
is even possible that Ben Feldman is
the most successful insurance sales agent of all time!
Ben Feldman was dedicated to always first
serving the best interest of the client. He did not
believe in pushing products or participating in sales
contests."
 Selling
to the 50+ Woman
by Michael P. Sullivan
While women are very different, they do have
a lot in common as a gender. It is important to recognize
their commonalities as well as their differences. Here
are just a few of the characteristics that women typically
share:
 How
To Ethically Sell Life Insurance, LTCI, Annuities and
Your Financial Services!
by Lew Nason
Does this sound familiar to you? When you first entered
sales, for the financial services industry, your main
focus was just on finding prospects. If you didn't have
a prospect, you couldn't set an appointment, or close
a sale. Initially, you looked for anyone and everyone
that breathed and was willing to sit down with you.
You contacted your friends, family and everyone you
knew. You asked everyone for referrals. You made cold
calls. You bought leads and you sent out sales letters.
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