Description: The Social Security file and suspend and restricted application claiming strategies have received a great deal of attention in the past few years as allowing individuals to increase their Social Security benefits. The Bipartisan Budget Act of 2015 made significant changes to these strategies. This article reviews those strategies and then discusses the impact of the Bipartisan Budget Act of 2015 changes on those strategies.

Description: I’d like to start a movement to banish the term “life expectancy” from the retirement planning lexicon. It is one of the most abused and dangerously misunderstood concepts in retirement planning.

Description: Editor's column for the September 2016 issue of NewsDirect.

Description: I remember in my college years being forced to take marketing classes because the actuarial science major was attained through the business school at my university.

Description: Article discusses the following: Need for wholesalers in our industry What is a wholesaler in our industry What are some of the wholesaler models

Description: A 2015 Society of Actuaries Report (co-sponsored by the Reinsurance Section, Product Development Section, and Committee on Life Insurance Research) entitled “Life and Annuity Living Benefit Riders: Considerations for Insurers and Reinsurers,” is available on the Society of Actuaries website (www.soa.org). It covers a wide range of living benefit riders with medically-related triggers on life or annuity products. This article is largely derived from that report, covering several of those riders. In order to add to the marketing implications of these plans, Claude Thau, in his capacity as President of Thau, Inc. has provided additional commentary from the perspective of a marketer who is active in this field.

Description: A discussion on a study that unveils significant findings among mass-market consumers and their attitudes about retirement.

Description: Analysis of middle-income market for life insurance by interviewing industry marketing and sales experts.

Description: One of the most vibrant and fastest-growing insurance market niches worldwide is the market for high-face-amount universal life (UL) insurance products.

Description: One of the first observations I made at my new job was that while the setting and characters were different, much of the story line was very similar.