Section 151A has been at the forefront of our discussions for insurance agents and our industry in general for sometime now. Unfortunately for our clients, the bill recently passed on December 17, 2008. Rule 151A intends to classify equity indexed annuities (EIA's) as securities. This ruling will penalize consumers along with the responsible insurance agents that have helped their clients weather a massive financial crisis without the massive loss that most people have...

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Estate planning is the process of accumulation and distribution of an estate to fully encompass the objectives of the estate owner. If you hear the term "estate planning" and believe it is only for the super wealthy, you may be surprised to learn most people have a need for a properly designed estate plan, they just do not know the right questions to ask to get the ball rolling. What everyone does know is the end result they are after. They know what possessions they want to distribute,...

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