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Archive | December 4, 2012

What is CapMax? Let’s ask Genworth

We’ve seen every company lower rates over the past 6 months or so. It’s nice to see a carrier attempt to raise rates.  Genworth has come out with their newest cap strategy called the CapMax.  The idea is that you can trade in your gains for more upside. So if the cap is 3.5% in  Full Article…

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South Dakota Insurance CE Requirements

Every state requires some sort of Continuing Education (CE) credits that each producer has to complete to keep his/her life insurance license in good standing. See below for what the South Dakota Insurance Department requires.   10 CE hours are required every 2-year license term (see license term below).   Producers planning to sell the following product(s)  Full Article…

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North Dakota Insurance CE Requirements

Every state requires some sort of Continuing Education (CE) credits that each producer has to complete to keep his/her life insurance license in good standing. See below for what the North Dakota Insurance Department requires.   24 CE hours, including 3 hours in ethics, are required every 2-year license term. (see license term below).   Producers planning  Full Article…

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Maxed Out Your 401K?

Just because you have maxed out your 401K, doesn’t mean you should stop saving for retirement.   Only about 1 out of 15 people contribute the maximum allowed amount to their 401(k) retirement plans, according to a report from the Center for Retirement Research at Boston College.   The report’s authors defined the maximum as  Full Article…

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Powerball Annuity

Normally, we like to use the words “powerful” and “annuity” in the same sentence, but this is certainly the first time we have replaced the word “powerful” with “Powerball”.  But it was just too irresistible after watching the frenzy that the $500 million Powerball lottery jackpot caused last week.  People from all races, ethnicity, and  Full Article…

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