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A monthly newsletter courtesy of LTA Marketing Group         July 2010

In this Issue:

Successful underwriting doesn’t happen by accident.

BAD MEDICINE: A Guide to the Real Costs and Consequences of the New Health Care Law

Sigh of Relief for EIA Sellers

A Booming Opportunity

Product Spotlight: : AGLA Quality of Life - Insurance You Don't Have to Die to Use

In Every Issue

Our Products & Carriers

Run an Annuity Quote

Run a Life Quote

Our Staff


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LTA Masters Academy
Join us September 23-24, 2010 in Chicago and spend time with some of the most influential and successful people in the industry. New meeting website!!! Register Online!
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All Work and No Play...
"There seems to be an unwritten rule that reasonable hours and taking time for lunch somehow indicates lack of commitment. On the contrary, taking care of yourself is best for you and for your company."
-Harvard Business Review

MONEY CLIPS

OUCH: 10 Worst Real Estate Markets in America - 24/7 Wall St.

A FEW TRICKS: 8 Ways to Maximize Gas Mileage - SmartMoney

TOP-EARNING TOWNS: Best Places to Earn Big Bucks - CNNMoney

THE NEXT JETBLUE: CEO Makes Big Bet on New Airline - FORTUNE

DIRE PREDICTION: America's Debt Is Like Cancer - FOX Business News

GOT YA: Top 10 Seized Counterfeit Goods - CNBC

-walletpop.com

Have A Question?
The staff at LTA is here to help you. If you have any questions or desire any additional information on any of the products and services we offer, please don't hesitate to call on us at 866-232-5011 or email us at marketing@ltamarketing.com.

About LTA
LTA is one of the premier providers of product, support and strong compensation to independent agents and agencies. We will offer you on-spot insights, up to the minute ideas, and interesting perpectives each month. Enjoy!

Successful underwriting doesn’t happen by accident.
by Brian Jeffrey Boltz, CLU, Director of Marketing
Here’s how an agent was able to place a big case utilizing our underwriting expertise.The agent had a client, age 75, whose husband’s death left her with a significant inventory of valuable merchandise, a 50-year-old invalid son, and a massive estate tax problem. The surviving wife, who was not in the habit of having regular check-ups with doctors, had $1 million which she was willing to invest in life insurance to provide for the estate taxes and the care of her son. Based on the information they had, the carrier was only willing to provide a face amount of $1.2 million.... read entire article

BAD MEDICINE: A Guide to the Real Costs and Consequences of the New Health Care Law
by Michael D. Tanner
Michael Tanner was our featured speaker at last years Masters Academy
On March 21, 2010, in an extraordinary Sunday night session, the House of Representatives gave final approval to President Obama’s long-sought health insurance plan in a partisan 219–212 vote. The bill had earlier passed the Senate on Christmas Eve 2009. Not a single Republican in either chamber voted for the bill. Four days later, the Senate, using a parliamentary tactic known as reconciliation to avoid a Republican filibuster, gave final approval to a package of changes designed to “fix” the bill... read entire article

Sigh of Relief for EIA Sellers
-National Underwriter
For months, regulators from the SEC have sought to extend that agency’s regulatory authority to cover the sale of equity indexed annuities, on the grounds that EIAs derive their value from market movements and as such, are not true insurance products. Looming SEC regulation has put a pall on the EIA industry, but recent negotiations over Rule 151A of H.4173 have all but guaranteed that EIAs will remain regulated by state insurance offices and not by the SEC.... read entire article

A Booming Opportunity
by By Kim O’Brien Executive Director, CFP, MBA, NAFA
A problem for boomers presents an opportunity for those in the retirement planning business. One option financial professionals can present to boomers is an annuity solution that uses income riders to meet long term care expenses. Many of today's boomers are recognizing that they may live 20 to 25 years during retirement, and should expect to need some sort of skilled nursing care. An annuity with a Guaranteed Lifetime Withdrawal rider (GLWR) solves their quest for an income they can't outlive. Additionally, there are annuities that will boost the guaranteed lifetime income payment by as much as 50 percent to 100 percent when certain long term care qualifications are met. Once the annuity value is exhausted, the owner can still expect continuing payment from the carrier... read entire article

AGLA Quality of Life - Insurance You Don't Have to Die to Use
Traditional life insurance is designed to provide security for your loved ones in the event of your premature death…but what if you have a serious heart attack, invasive cancer or a stroke and don’t die? What about financial help during critical or long-term chronic illnesses, at retirement or to offset the costs of life’s other milestones?

Quality of Life…InsuranceSM is Changing The Way Americans Think About, Purchase And Use Life Insurance®. It offers you the flexibility to receive benefits during your lifetime and the potential to access cash value to provide money to supplement your retirement or meet other financial goals...
more about this product

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