Tue.Oct 19, 2021

5 Proven Tips To Use Analytics to Improve Your Website in 2021

Smart Data Collective

Analytics technology has become more important than ever in shaping the future of business. Countless businesses are looking for new ways to apply analytics technology to improve every aspect of their business model.

Introducing Intricately's 2022 Multi-Cloud Infrastructure Adoption Report

Intriccately

In today’s cloud market, it’s becoming increasingly common for companies to diversify their cloud computing use across multiple providers and products. Intricately data indicates that multi-cloud strategies have grown across all organization sizes since 2016

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What is Yield Farming in Crypto and How Does Data Analytics Help?

Smart Data Collective

Data analytics has become a major gamechanger for the cryptocurrency industry. Traders and miners have discovered a number of advantages of using big data and AI tools to improve their profitability. One of the newest applications of data analytics in cryptocurrency mining is with yield farming.

The Baby Boomer Dilemma – Official Trailer

Wink Intel

We did this thing, along with my friends Tom Hegna and Moshe Arye Milevsky. It is a documentary about retirement and annuities. The Baby Boomer Dilemma – Official Trailer from Doug Orchard on Vimeo. The post The Baby Boomer Dilemma – Official Trailer appeared first on Wink.

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Travel Advertising: Airbnb & VRBO are outspending top hotel chains as holidays approach

Pathmatics

If hotel prices are any indication, COVID-19 surges aren't going to keep travelers home this holiday season. The average daily rate for a hotel room in the US is $143.30— up 6% from 2019. In popular destinations like Hawaii, average daily rates are as high as $258.65, according to data from hospitality analytics firm STR. Holiday Advertising Travel

‘Annuity King’ Alleges IRS Misconduct In New Florida Lawsuit

Wink Intel

Editor’s note: This story has been updated to reflect comment from the IRS. The self-described “Annuity King” escalated his battle with federal authorities with a lawsuit alleging “rogue, out-of-control, above-the-law” conduct by agents who investigated him. Phillip Wasserman, 64, faces up to 20 years in prison on mail fraud, wire fraud and tax evasion charges from alleged improper annuity sales. . Click HERE to read the full story via INN.

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3 Top Social Metrics and Why They Matter

Netbasequid

For brands wanting to hop on the fast track to understanding consumer behavior and boosting campaign success, tracking social metrics is the way to go. With today’s social listening tools, there is a seemingly inexhaustible supply of social metrics brands can choose from.

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Alex Murdaugh Charged With Taking Insurance Money In Maid’s Death

Wink Intel

COLUMBIA, S.C. — Prominent South Carolina attorney Alex Murdaugh was arrested Thursday for his connection with missing settlement funds in the wrongful death lawsuit involving his former housekeeper. Agents with the South Carolina Law Enforcement Division (SLED) and the Florida Department of Law Enforcement took Murdaugh into custody on two felony counts of obtaining property by false pretenses upon his release from a drug rehabilitation facility in Orlando.

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Synthetic Data Can Be Key To Insurers’ Profitability

Wink Intel

Data is the lifeblood of the insurance industry. For decades, teams of actuaries took months to analyze the information at their disposal and to complete the computations required to assess the financial risks associated with people, property and potential events. Later, the availability of computers accelerated the process. Today, advanced data science, machine learning applications and AI make it possible to analyze existing data more effectively than ever before.

Millennial Women Lead the Way in Non-Retirement Investing

Wink Intel

Two-thirds (67%) of women are now investing outside of their defined contribution (DC) retirement accounts, up from 44% in 2018, according to a recent study from Fidelity Investments. Plus, the firm says, women are contributing a record-high average 9.2% to DC plans. The number of women investing non-retirement funds has increased by 50% in just three years, according to Fidelity’s 2021 “ Women and Investing Study.”

IT 40

This Darkly Humorous Life Insurance Ad Has the Best Legal Disclaimer in Ad History

Wink Intel

Over the decades, legal teams have gotten increasingly insistent about adding warnings to ads. Usually it’s in the vein of “Closed course with professional drivers” or the tried-and-true “Don’t try this at home.” Occasionally it’s downright laughable to imagine someone. But Ladder’s new ad for its life insurance not only follows an unexpected storyline for such a typically dry category, but also ends on the best legal disclaimer I’ve seen in 15 years of covering ads.

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TIAA faces class action over rollovers

Wink Intel

ERISA litigator Schlichter Bogard & Denton is pursing a proposed class-action case against TIAA over that company’s sales tactics for its Portfolio Advisor managed-account service. Click HERE to read the full story via InvestmentNews. The post TIAA faces class action over rollovers appeared first on Wink. Industry Articles

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Meet the Life Insurance Case Manager

Wink Intel

When asked about the experience they want to provide their clients, most financial advisors will tell you they want to serve their clients’ needs through comprehensive planning, personal relationships, and honoring their role as a fiduciary. Protecting a client’s lifestyle, assets, and legacy is an important part of that process. In serving the risk management needs of clients, the life insurance case manager is an essential partner to financial advisors.

Part Of Build Back Better Could Be Disaster For Trust Owned Life Insurance

Wink Intel

A provision of the Build Back Better Act threatens to louse up a lot of life insurance plans. The problem is in the provision titled “Special Rule for For Grantor Trusts” In many ways it is a sensible provision doing away with shenanigans that clever planners have concocted over many years largely to benefit the 1%, The rule could, however, have bad consequences for many well below the 1% who actually are not getting away with anything anybody finds objectionable.

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Pacific Life Introduces New Investment Options—With a Twist

Wink Intel

NEWPORT BEACH, Calif.–( –( BUSINESS WIRE )–Recognizing that investors are looking for both growth and protection, Pacific Life recently launched the Invesco ® V.I. Defined Outcome Funds, available with certain Pacific Life variable annuities. These innovative new funds are designed to give investors the benefits of a registered index-linked annuity (RILA) but with more flexibility, control, and transparency. The Invesco ® V.I.

Global Atlantic Retirement Risk Reset Study: Retirement Age Investors Attuned to Low Interest Rates, Inflation

Wink Intel

NEW YORK–( BUSINESS WIRE )–New research from Global Atlantic Financial Group (Global Atlantic) reveals that retirement age investors are attuned to low interest rates and inflation, and open to professional financial help to navigate these economic conditions. The survey of retirement age investors ages 59 to 75 with more than $250,000 in investable assets found more than seven out of ten (71%) believe rising inflation will negatively impact their retirement savings.

Protective Life Corporation Launches Collaboration with FLY V, Bringing Local Apparel to Protective Stadium and Supporting Birmingham’s Northside Neighborhoods

Wink Intel

BIRMINGHAM, Ala.–( –( BUSINESS WIRE )–As part of its commitment to being a good corporate citizen and protecting its communities, Protective Life Corporation (Protective), a wholly owned U.S. subsidiary of Dai-ichi Life Holdings, Inc. TSE:8750), has launched a collaboration with apparel brand, FLY V , a project that brings local apparel to Protective Stadium, supports a Birmingham Northside small business, and will direct funds back into Northside communities.

AM Best Affirms Credit Ratings of New York Life Insurance Company and Certain Subsidiaries; Upgrades Issuer Credit Ratings of Life Insurance Company of North America and New York Life Group Insurance Company of NY

Wink Intel

OLDWICK, N.J.–( –( BUSINESS WIRE )– AM Best has affirmed the Financial Strength Rating (FSR) of A++ (Superior) and the Long-Term Issuer Credit Ratings (Long-Term ICRs) of “aaa” (Exceptional) of New York Life Insurance Company and New York Life Insurance and Annuity Corporation.

Equitable Excellence? Scholarship Empowers High School Graduates to be a Force for Good

Wink Intel

NEW YORK–( BUSINESS WIRE )– Equitable , a leading financial services organization and principal franchise of Equitable Holdings, Inc. ( NYSE: EQH ), today announced a call for applications for its 2022 Equitable Excellence SM Scholarship, designed to inspire and empower graduating high school seniors to be a force for good in their communities while investing in their future.

Pandemic and Tax Code Change Spur Interest in Life Insurance, J.D. Power Finds

Wink Intel

TROY, Mich.–( –( BUSINESS WIRE )–The adage that “life insurance is sold, not bought” may have met its match in the one-two punch of the COVID-19 pandemic and a federal tax code change that makes it possible for policyholders to build more cash value in their plans. According to the J.D. Power 2021 U.S.

The New Table Stakes: ‘Unified Managed Income’

Wink Intel

Smart people have been writing retirement income planning software for over a decade, much of it very useful. But most of it falls short of what the market demands today: easy-to-use web-based software that checks all the boxes and makes the complex simple. . Click HERE to read the full story via RIJ. The post The New Table Stakes: ‘Unified Managed Income’ appeared first on Wink. Industry Articles

Jackson issues its first structured annuity (RILA)

Wink Intel

Jackson National Life Insurance Company has entered the structured variable annuity market with two versions of a new registered index-linked annuity (RILA), one for securities-licensed advisers who earn sales commissions and one for those who charge asset-based fees. The two contracts, Jackson Market Link Pro ( JMLP ) and Jackson Market Link Pro Advisory (JMLPA), represent Jackson’s first RILAs.

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Deferred annuity sales up 10% in 2Q2021: WINK

Wink Intel

Jackson National, Equitable, Allianz Life, AIG and New York Life were the market share leaders in major annuity product categories in the second quarter of 2021, according to Sheryl Moore’s Wink, Inc. Total second quarter sales for all deferred annuities were $64.4 billion; an increase of more than 10.0% when compared to the previous quarter and an increase of 40.4% when compared to the same period last year, according to Wink’s Sales & Market Report for the second quarter of 2021.

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Broker Words—October 2021

Wink Intel

Damn it this one really hurts. Our industry has lost a great innovator, mentor and icon, and I must say goodbye to one of my dearest friends and a man who quite possibly may have saved my life. Bill Zimmerman, LifePro Financial Services, Inc., San Diego, passed away recently from the complications of ALS. Z, as his countless friends called him, joined our industry in 1967 as an insurance agent in Ft Worth, TX, and soon after relocated to Southern California.

Data, Data, Data Driving Life Underwriting

Wink Intel

Digital point of sales solutions for life insurance continue to become more innovative. I am trying to keep up. The auto-fulfillment process for applying for life insurance is all about data and getting an instant underwriting decision. While we all want instant underwriting decisions, the impaired risk business is not going away. There are new enhancements regarding Electronic Health Records (EHR), and lab testing for COVID.

The Troubling Trend Of “Gray Sheeting” Life Insurance Policies

Wink Intel

Agents and advisors are unwittingly handing over life insurance policies for sale in a marketplace that chronically undervalues them. Gray sheeting” is a troubling trend in the world of life insurance settlements. When the time comes for most people to sell a major asset, they usually begin the process by gaining an understanding of what that asset is worth before they put it on the market.

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Allianz Life Offers Fee-Based Version Of VA

Wink Intel

MINNEAPOLIS – Oct. 18, 2021 – To help registered investment advisers (RIAs) manage transition and longevity risks in client portfolios, Allianz Life announced today it has launched an advisory version of its Allianz Index Advantage Income® Variable Annuity. The Allianz Index Advantage Income ADV SM Variable Annuity offers an advisor-centric product design with seamless integration, low fees 1 , greater control and enhanced fee billing.

Surviving COVID-19 Could Make Obtaining Life Insurance Complicated

Wink Intel

With the number of COVID-19 deaths in the U.S. passing 700,000 and continuing to rise, many Americans are thinking about life insurance. In the first half of this year, the total number of life insurance policies sold increased by 8%, compared with the first half of 2020. This is the highest policy sales growth recorded since 1983, according to LIMRA’s Second Quarter U.S. Individual Life Insurance Sales Survey. Click HERE to read the full story via INN.

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Ex-Employees: Shurwest Execs Knew About Dubious IUL Sales

Wink Intel

An Arizona independent marketing organization faces additional scrutiny over how much it knew about a fraudulent scheme to pump up indexed universal life sales. Shurwest filed for Chapter 11 bankruptcy Aug. 31 in a bid to settle scores of lawsuits, all while steadfastly maintaining that company executives knew nothing about a pension fraud scheme adapted to hundreds of IUL sales. “We

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14 Annuity Tax Facts to Know

Wink Intel

Annuities have long been a tool in the arsenal of retirement planners. They may be a great fit for some clients, especially those who continually max out their annual 401(k) contributions or for those approaching retirement and seeking another source of steady, guaranteed income. However, the many types of annuities, the benefits they provide your client, and their tax implications can be confusing at times.

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How an IMO Collapsed, Stung by Premium Financing Gone Wrong

Wink Intel

New court documents shed light on what happened to Shurwest, a company that found an engine of growth in sales of indexed universal life insurance. sales of the products in the second quarter jumped 23% to $628 million from a year earlier, Wink ’s Sales & Market Report said earlier this month. Click HERE to read the full story via LifeAnnuitySpecialist. The post How an IMO Collapsed, Stung by Premium Financing Gone Wrong appeared first on Wink. Wink's Articles

Life and Health Insurers Might See Inflation: Q3 Earnings Calendar

Wink Intel

prices might, or might not, be at the start of a long climb up, and that could give top executives at life, health and annuity issuers something new to talk about as they hold their new round of earnings calls.

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Transamerica to Offer Stand-Alone Stable Value Option: Retirement Moves

Wink Intel

What You Need to Know: Employers can bolt the Transamerica Guaranteed Investment Option product onto plans from other providers. MetLife has assumed post-retirement life obligations for about 8,000 retirees. Securian is working with SageView to add personalized managed account programs for workplace retirement plans. Transamerica is helping employers offer stability of returns.

F&G Acquires Big Stake in Indexed Universal Life Distributor: Deals

Wink Intel

Fidelity & Guaranty Life Insurance Co. has acquired a 30% stake in Freedom Equity Group — an independent marketing organization that focuses on the sale of index universal life (IUL) insurance and index annuities. F&G says it’s acquiring the Arroyo Grande, California-based IMO in an effort to diversify by expanding sales of IUL policies to middle-income consumers. Click HERE to read the full story via ThinkAdvisor.

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Consumers Keep Life Insurance Underwriters Busy

Wink Intel

consumers submitted 3.7% more individual life insurance applications this past September than they did in September 2020, according to new activity numbers from MIB Group. For life insurance agents and advisors, the new numbers mean that the market is still comfortably warm, in spite of the chill from the delta variant of COVID-19, confusion in Congress and soft employment figures. Click HERE to read the full story via ThinkAdvisor.

John Hancock Retirement celebrates third-party administrators with National TPA day

Wink Intel

TSX/NYSE/PSE: MFC SEHK: 945. BOSTON , Oct. 18, 2021 /PRNewswire/ – John Hancock Retirement , a company of Manulife Investment Management, today celebrates the expertise and partnership of third-party administrators (TPAs) who help to make retirement plans work.

New Transamerica Initiative Supports Small Business Efforts to Recruit and Retain Employees

Wink Intel

BALTIMORE , Oct. 15, 2021 /PRNewswire/ — Transamerica is helping small businesses gain advantages in hiring and retaining employees in today’s demanding job market with a retirement plan program available through year-end. Enhancing employer-sponsored benefits, such as the company’s retirement plan, can help attract and reward both future and current employees.