Help Clients/Grow Revenue
BUDDY INSURANCE
Actuarial Insights on Group LTCi
By Marc Glickman
Main Points
1. Individual vs. Worksite Hybrid Long Term Care Products
2. Market Trends and Product Evolution
3. Actuarial Considerations in Pricing
4. Growth Opportunities and Product Innovations
5. Future Trends and Market Developments
Detailed Explanations
Individual vs. Worksite Hybrid Long Term Care Products
Worksite and individual hybrid long term care products differ significantly in their design and target market. Individual products typically target pre-retirees planning for future needs with comprehensive underwriting requirements. These products usually feature traditional life insurance chassis (Universal Life, Indexed UL, Whole Life) with larger face amounts.
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COMMISSION PROTECTION
When AEP Is Just Too Much
By Phil Calhoun & David Ethington
When AEP is too much to think about, too hard to get through one more time, or just a step you want to eliminate, here are some options.
You must complete and pass AHIP to continue receiving MAPD commissions.
When You Are Ready to Work on Your PLAN B, here are three options to consider.
Stay Active with Medicare Supplements but Sell your MAPD and PDP to a friendly colleague who will purchase only your Medicare Advantage portion of your book while protecting your Med Supp book while you stay active. NO AEP FOR YOU!
SELL ALL NOW: We can work out a solid payout option for your entire book of Medicare using a total purchase option. NO AEP FOR YOU!
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LIFE INSURANCE
Life Settlements Belong In An Advisor’s Toolkit
By Lisa Rehburg
Insurance Newsnet published an interesting article recently entitled “Time to Rethink Fiduciary Responsibility” about why life settlements belong in an advisor’s toolkit. In it, they highlight:
Understanding life settlements – and the duty to present them
The hidden risk of inaction
Stories that bring it home
Why advisors miss the opportunity
The demographic imperative
A tool, not a gimmick
The article concludes with: “Life insurance settlements are no longer just an option; they’re essential in financial planning.”
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ICYMI (In Case You Missed It)
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LISTEN & LEARN
Industry News to Grow Your Business
CalCPA Health: 66 Years of Service & Stability for California’s Financial Professionals
Via Interview with Ron Lang By Phil Calhoun
As CalCPA Health celebrates its 66th anniversary, its story stands as a testament to the power of community driven solutions in the often-turbulent world of health insurance. In this first installment of a three-part series, California Broker Media CEO Phil Calhoun sat down with Ron Lang, CEO of CalCPA Health, to explore the unique structure, mission, and value CalCPA Health brings to California’s financial professionals. This article also incorporates insights from industry sources and regulatory data to provide a broader context.
📖 = Read
🎧 = Listen
📺 = Watch
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From Advocacy To Action: How Brokers Can Thrive In California’s Dynamic Insurance Industry
By Rosamaria Marrujo interviewed by Phil Calhoun
Navigating Change and Building Trust in California’s Evolving Insurance Landscape
The California insurance market in 2025 is a study in both complexity and opportunity. As regulatory shifts, product innovations, and consumer expectations reshape the industry, brokers are called to do more than simply sell—they must advocate, educate, and adapt. Few voices capture this ethos better than Rosamaria Marrujo, founder of Trusted American Insurance Agency and former president of the California Agents & Health Insurance Professionals (CAHIP).
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🎧 = Listen
📺 = Watch
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Master the New Tax Law for Client Conversations
By NAIFA Featuring: Kathleen Bilderback (Counsel, Sandberg Phoenix) and Nick Sutter (Associate, Steptoe)
CALIFORNIA BROKERS SHARPEN STRATEGIES AS TAX LAW AND INSURANCE RULES ACCELERATE CHANGE IN 2025
Seasoned health and life brokers in California face a landscape where tax law and state regulation are driving fundamental and rapid transformation. A recent conversation between Diane Boyle (SVP, Government Relations at NAIFA), Kathleen Bilderback (Counsel, Sandberg Phoenix), and Nick Sutter (Associate, Steptoe) provided an insider’s look at the implications for brokerage strategy, compliance, and effective client advocacy entering 2025.
📖 = Read
🎧 = Listen
📺 = Watch
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