Cipher

JULY 5, 2021

Organizations that embrace market research reap many benefits: an in-depth understanding of their customers, advanced analytics for enhanced results interpretation, and the ability to uncover new market trends as they develop to name a few. Today, market research goes hand-in-hand with market and competitive intelligence (M/CI). To maximize your understanding of the environments in which you operate, it’s important that your organization practices both of these disciplines.

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Smart Data Collective

JULY 5, 2021

There are a lot of DevOp projects that rely heavily on big data. They are using AI and other forms of big data technology to create highly effective software applications. More businesses are investing in big data software solutions, because they realize big data is incredibly important for the modern economy. They are starting to realize that big data is vital to creating a successful business model.

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Netbasequid

JULY 5, 2021

The top brands stay on top because they change over time, and this is due to their uncanny ability to understand consumer behaviors and react accordingly. Consumer trends, what’s in and what’s not, mutate and evolve. And a brand audit let’s you evolve right along with them, so you need to have your online house in order. Here’s how! For maximum exposure and reach – brands need to understand: Brand auditing 101.

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Mind Shifts

JULY 5, 2021

Recently I have been reflecting on my work/life balance. To be honest, my life has been so unbalanced I could certainly provide a guide as to what NOT to do. As I have grown older and hopefully wiser, I have come to realise that to live a good life there needs to be moderation in everything. Something I am not good at. Let me give you some background to help you understand where I am coming from.

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Whether your organization is at the start of its sustainability and impact journey or years into it, many brands share a common concern: the uncertainty of whether they are sending stakeholders mixed messages. Creating content that speaks to your audience's “love language” can be a tricky dance. But, worry not! 3BL has put together tips to ensure that your content not only finds its rhythm but also resonates with your target audiences.

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Elegant BI

JULY 5, 2021

AutoML, NLP and Clickless Analytics Come Together to Produce Auto Insights! When it comes to the new world of analytics, the augmented analytics approach allows business users with no data science background to readily access and use analytics in an intuitive way. There are some important aspects of this approach, including auto machine learning, natural language processing (NLP) and intuitive search analytics.

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Dataversity

JULY 5, 2021

Click to learn more about author Amy Yeung. As an industry, we’ve made great strides in advocating for and educating the public about the importance of data privacy. New laws – like Virginia’s recently-passed CDPA – make well-intentioned and important attempts to protect consumers. But, in my view, we’re focused on the wrong things. We […]. The post Data Minimization Is the Future of Advertising appeared first on DATAVERSITY.

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Dataversity

JULY 5, 2021

Click to learn more about Sharad Varshney. “We don’t see things as they are. We see things as we are.” –Anais Nin, French-Cuban-American novelist Cognitive bias damages research and, in turn, analytics. However, you might be surprised to learn that bias is fundamental to the function of the human brain. In one cognitive bias study at Stanford […].

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Wink Intel

JULY 5, 2021

SACRAMENTO, CALIFORNIA, UNITED STATES, July 4, 2021 / EINPresswire.com / — Investment Only Annuities is pleased to announce it is helping to support clients in cutting costs and reducing the complexity of their investment only annuities. Investment Only Annuities offers investment only annuities that are low in cost, yet high in value, such as Nationwide’s flat-fee variable annuity Monument Advisor.

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Wink Intel

JULY 5, 2021

A new federal tax law update could help high-income clients use cash-value life insurance to ease some of the sting of future tax increases. Life insurance company executives talked about the changes last week, in a series of conversations with Patrick Bowen that were part of the NAILBA Engage online conference. Bowen is co-founder of InsurAware, an insurance sales system company.

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Wink Intel

JULY 5, 2021

Generation X members and young baby boomers with big nest eggs may be much more interested in hearing about annuities than older investors are, according to new survey data. One problem: At this point, the number of Gen X investors with big nest eggs seems to be low. Click HERE to read the full story via ThinkAdvisor. The post Gen X Investors Want to Hear About Annuities: Survey appeared first on Wink.

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Leaders in competitive intel know that the employees who interact with customers and prospects every day hold valuable competitive insights that could help win sales. But they don’t have a good plan or system to gather, organize, and share these insights with the stakeholders who need them. In this eBook, we outline 7 strategies to make it easier to build and scale an employee sharing program that will drive competitive advantage.

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Wink Intel

JULY 5, 2021

The 2021 Milliman Long Term Care Insurance Survey is the 23rd consecutive annual review of stand-alone long-term care insurance (LTCI) published by Broker World magazine. It analyzes the marketplace, reports sales distributions, and describes available products. More discussion of worksite sales, including a comparison of worksite sales distributions vs. non-worksite sales distributions will be in Broker World magazine’s August issue.

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Wink Intel

JULY 5, 2021

There have been many recent technology advancements in life insurance and annuity policy owner service processing. Back in the day the agent or the policy owner had to call a life carrier’s toll-free phone number to speak to a customer service representative who would then mail forms to the policy owner to complete and mail back. A simple beneficiary change could take weeks.

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Wink Intel

JULY 5, 2021

Readers of this publication are generally familiar with my ruminations on topics related to long term care planning and insurance. Being type-cast as a long term care insurance “guy” is understandable. Nearly 70 percent of my time in the insurance industry has been spent as a marketer, brokerage general agent, trainer, and consultant with a singular (some might say maniacal) focus on all things long term care.

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Wink Intel

JULY 5, 2021

Even as experts anticipate further regulatory activity will affect the Department of Labor (DOL)’s fiduciary investment advice standards, it is important to get caught up on the current state of affairs, which can best be described as convoluted. Effective February 16 of this year, the DOL implemented an expanded definition of “fiduciary advice.” Experts say this new definition will cause many registered investment adviser (RIA) services that were previously considered non-fiduciary under the Em

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Navigating the waters of sustainability reporting disclosures and regulations can be intimidating, to say the least. With various measures set in motion in 2023 to keep companies accountable, there is a lot in store for brands’ impact communication in the upcoming year. 3BL is kicking off this January with our Navigating ESG Comms Through the Cosmos - Capricorn Edition by highlighting the impact of: The U.S Securities and Exchange Commission (SEC) Climate disclosure rules The European Commission

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Wink Intel

JULY 5, 2021

When it comes to annuities, the financial community is divided. Some love them, others hate them. Part of that division comes from the fact that annuities can be complicated — and are often misunderstood. So we asked a variety of advisors what they think is most misunderstood about annuities. Not surprisingly, their answers are wide-ranging. Click HERE to view the slideshow via ThinkAdvisor.

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Wink Intel

JULY 5, 2021

Ameritas is introducing a life insurance policy that comes with benefits guarantees. The Lincoln, Nebraska-based insurer has unveiled a new survivor indexed universal life (IUL) policy. A survivorship life insurance policy covers two or more people. It pays benefits after the death of a specified insured. The new Ameritas Value Plus Survivor Index Universal Life Insurance policy, or Value Plus SIUL policy, is designed to cover two people.

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Wink Intel

JULY 5, 2021

DES MOINES, Iowa — Coming out of the COVID-19 pandemic is presenting a crossroads of sorts for insurers: continue with aggressive integration of digital and big data usage? Or retreat to a conservative, risk-averse mindset? That dilemma of sorts provided gist for much of the debate this morning at the Global Insurance Symposium. . Click HERE to read the full story via INN.

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Wink Intel

JULY 5, 2021

Things appear to be moving slowly back toward the “old normal.” With all we’ve been through andhave seen in the past two years, it is not too surprising consumer interest in fixed and fixed index annuities has grown. The marketplace is paying close attention to two key retiree and preretiree concerns frequently mentioned by clients and consumers. Click HERE to read the full story via INN.

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Marketing technology is essential for B2B marketers to stay competitive in a rapidly changing digital landscape — and with 53% of marketers experiencing legacy technology issues and limitations, they’re researching innovations to expand and refine their technology stacks. To help practitioners keep up with the rapidly evolving martech landscape, this special report will discuss: How practitioners are integrating technologies and systems to encourage information-sharing between departments and pr

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Wink Intel

JULY 5, 2021

NEW YORK–( BUSINESS WIRE )–American International Group, Inc. (NYSE: AIG) today released its first Environmental, Social and Governance (ESG) Report detailing the company’s strategic progress toward supporting a more sustainable, equitable and prosperous future for its stakeholders. “AIG’s commitment to transparent ESG leadership is a central part of our global corporate citizenship agenda,” said Peter Zaffino, AIG’s President & Chief Executive Officer.

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Wink Intel

JULY 5, 2021

Virginia and Alabama became the latest pair of states to adopt updated annuity sales rules based on a National Association of Insurance Commissioners’ model regulation. They become the 13th and 14th states to adopt the new standard, which basically applies a “best interest” update to existing annuity suitability rules. Adopted in February, the NAIC model law articulates the best-interest standard through the following four obligations: care, disclosure, conflict of interest and

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Wink Intel

JULY 5, 2021

The company said it ‘will fully exit US retail fixed annuities— discontinuing new sales of its deferred annuities, payout annuities, indexed annuities—and will pursue strategic alternatives, including divestiture, of the related in-force blocks.’ Under pressure from a large shareholder to change its “business mix and capital management options” to become more profitable, Principal Financial Group this week announced that it would stop selling individual annuities, except for variable

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Wink Intel

JULY 5, 2021

If you haven’t done so already, t’s time to consider how the low interest rate environment has transformed the life/annuity business over the past ten years. And to assess the roles that reinsurers and big buyout firms continue to play in that transformation. This week, Principal Financial became the latest life/annuity company to announce that it would focus away from selling most individual annuities.

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Temperatures are rising (and not just metaphorically) as key stakeholders anxiously anticipate the outcomes of COP28. While companies reconsider their 2024 environmental sustainability strategies, there is another aspect of ESG that deserves exploring, the social sector. In the latest edition of "Navigating ESG Comms Through the Cosmos - Sagittarius Edition", 3BL hones in on this sign’s bold quality of asking questions others are burning to know the answers to.

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Wink Intel

JULY 5, 2021

The Fed’s low-interest rate policy over the past decade has pinched the oxygen supply of US life/annuity companies, especially publicly held firms. Low bond yields have squeezed their profit margins and forced them out of old lines of business and into new ones. Click HERE to read the full story via RIJ. The post An Insider’s Take on the ‘Bermuda Triangle’ Strategy appeared first on Wink.

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Wink Intel

JULY 5, 2021

The current extended period of historically low interest rates has left many universal life policies in deep trouble. No one foresaw the current low interest rate environment and so universal life policies without secondary guarantees, that were funded based on prevailing interest rates at the time of purchase, are now drastically underfunded. Further compounding the problem is that a number of insurance companies have increased cost-of-insurance charges to make up for the losses they are taking

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Wink Intel

JULY 5, 2021

Workers in the defined contribution era generally retire with a lump sum of assets. As fewer workers retire with a pension, the percentage of retirement income funded through guaranteed income is likely to continue declining as well. The implications of this change on retirees is unclear. There is evidence from previous studies that many spend far less in retirement than they could comfortably withdraw from savings.

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Wink Intel

JULY 5, 2021

Education plays a key role in building a sustainable retirement income plan, but myths and misconceptions can get in the way, particularly when considering an annuity as a retirement savings vehicle. A recent Secure Retirement Institute study revealed that Americans are largely confused about how to turn workplace savings into a guaranteed income stream.

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In times of economic uncertainty, account-based strategies are essential. According to several business analysts and practitioners, ABM is a necessity for creating more predictable revenue. Research shows that nearly three-quarters of marketers (74%) already have the resources needed to build successful ABM programs.

Marketing

Wink Intel

JULY 5, 2021

Principal Financial Group Inc. is now preparing to go down the same road that many other competitors have taken: It’s getting ready to end sales of retail individual fixed annuities and retail individual life insurance policies, and to tilt more firmly toward the sale of variable products. The announcement will have no effect on policies, contracts or agreements already in place, Principal says.

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Wink Intel

JULY 5, 2021

NEW YORK–( BUSINESS WIRE )– Global Atlantic Financial Group (“Global Atlantic”) , a leading U.S.-focused annuity, life insurance and reinsurance company, today announced the signing of an $8.0 billion annuity reinsurance transaction between two of its insurance subsidiaries (Commonwealth Annuity and Life Insurance Company and First Allmerica Financial Life Insurance Company) and Ameriprise Financial (“Ameriprise”) insurance subsidiaries (RiverSource Life Insurance Company and RiverSo

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Wink Intel

JULY 5, 2021

A look at how annuities are evolving from a year of disorder. Sheryl Moore, President and CEO of Moore Market Intelligence, will discuss the latest trends and data from the annuity marketplace, providing answers to important advisor questions such as: How sales are being impacted due to current market trends? How sales continue to migrate away from fixed annuities to structured products?

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Wink Intel

JULY 5, 2021

Wink publishes the Top 10 best-selling annuities and life insurance each quarter within Wink’s Sales & Market Report. The Top 10 products are shown per each product type and per each distribution channel! . Wink’s Sales & Market Report is published quarterly and covers sales and industry trends on annuities (multi-year guaranteed, traditional fixed, indexed, structured, and variable annuities) and life insurance (indexed life, universal life, and whole life insurance) products.

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In our latest edition of Navigating ESG Comms Through the Cosmos - Scorpio Edition, 3BL embraces the perspective of one of the zodiac's most misunderstood signs: Scorpio. While this sign often has a darker view of the world, they do not shy away from shining a light on controversial topics. This month we take a deep dive into corporate pullback of DEI and how companies can utilize astrological advice to reinvent its social impact communication.

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