Whoever said, “Many people look forward to the New Year for a new start on old habits,” may have got it right. While beginning a new year may be little more than a faint line in the sand, it can be useful for adjusting old business habits and assumptions in light of changing conditions and new opportunities.

With asset shrinkage, equity market volatility and overall economic uncertainty, consumers are faced with enormous and unprecedented challenges in managing their financial affairs. The specter of the long shadow of an extended period of retirement is very near the top of the list for most.

For many life insurance producers, “flat” in 2009 meant they were having quite a good year. The larger ticket premiums were not as plentiful as in the recent past, something …  Read →