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Coming Soon 2009


	A Memo to Insurance Producers Get Ready to Produce More in 2009 by John Graham Even though the economy is in serious trouble, nothing has changed. You still need to sell insurance. Whether it's life, health or property and casualty, one task remains: closing sales. Click Here for More...


IN CALIFORNIA - California Regs Halt Improper Rescission Practices HEALTHCARE - Producer Groups Descend in Washington - Industry Outlines Its Cost Cutting Plan - Progressives Zero in on Healthcare Reform - Obese Employees More Than Double Medical Expenses - Two Trends that Will Change the Health Industry FINANCIAL PLANNING - Americans See Glimmers of Hope in the Horizon TO SUBSCRIBE		NEW PRODUCTS - Oral Cancer Screening - Improved Dental Website - Connecting with Clients Online - LTC Agent Website - Estate Planning Analysis - Free Marketing Seminars LONG TERM CARE - Study Examines Long-Term Care Insurance Claims - LTC Producers' Summit - LTC Sales Continued to Decline

2008 Dental Survey
Welcome to Part III of California Broker’s 2008 Dental Survey.
19. If covered, explain the process that allows the general dentist to refer to the specialist.
20. Are any of your specialists board eligible/certified?
21. How do you fund your specialty care?
Get the answers....
2008 Term Survey—An Overview of the State's Term Insurance Market
1. What percentage of the cases you underwrote last year were issued at your top two preferred non-smoker classes?
2. What percentage of the cases you underwrote last year were issued at your top two standard nonsmoker classes?
Get the answers...

How HSAs Can Unshackle Clients from High Health Insurance Costs
1. What are the primary services you offer as part of your HSA product?
2. Do you offer an HSA-qualifying high deductible health insurance plan?
Get the answers....
2008 HMO Survey—HMO Services and Pratices Statewide.
1. Do you guarantee a time limit on getting referral/treatment routine, urgent, emergency? If not, how many days does it take?
2. Do you have any conditions/diagnoses/symptoms that are referred automatically?
Get the answers...

Identifying theMysteries Of PPOs
A Fearless Look Inside the Workings of the State’s Best Plans
1. Is an approval procedure required for getting a specialist referral or a diagnostic test or treatment in-network or out-of-network?
2. Are there any restrictions on getting second opinions from an in-network provider or an out-of-network provider?
Get the answers....


Carriers/ Providers Profiles & Association Listings • Accupuncture • Broker/Dealers • Chiropractic • Dental	General Agents Profiles & Product Sources • GA Listings • Annuities • Universal Life • Whole Life

JULY 2009

July09

Think Good Benefit Plans Are Extinct?
Meet: Ancillarysaurus Rex

Also Inside: -
• Life Settlements
• HSA Trends
• Roth IRA
• View from the Top


	CARRIER By Kate Kinkade, CLU, ChFC
At no time in the past 30 years hhave I been as aware as I am totoday of how lucky we are to be able to sell insurance for a living. This sounds odd when many in our industry are having to work twice as hard to make half as much. And when leading insurance companies are losing their ratings and cutting back on staff. And when so many clients and prospects have just lost a significant portion of their wealth, if not their jobs. With all of that, how can this be a great time to be in our business? more...

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Submit an Article Query to California Broker!

We are always interested in well-presented information on life, health and financial planning topics. Specifically, we're seeking professionals with expertise in the following areas: All Life and Health Insurance issues, Products, Annuities (TSAs, SPDAs, ETC.), TPAs, Individual Health, Continuing Education, Long-Term Care, Dental, Internet Issues. If you have a specific idea or if you would like us to consider a general topic, please e-mail a one-paragraph query to:
Leila Morris, Editor's California Broker/McGee Publishers.
E-mail: editor@calbrokermag.com
Phone: 800-675-7593 ext. 12

If you have any questions or would like to see any other surveys, please e-mail to Leila Morris or call her directly at: 800-675-7563.
Email: editor@calbrokermag.com

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