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Why Guaranteed Income Is Replacing the 4% Rule

by Joe Brandau | December 2, 2025 | Joe Brandau, Protection/Income, Wealth | 0 Comments

For decades, the “4% rule” has been the shorthand for the conventional wisdom of retirement income planning: Withdraw 4% of your savings in the first year, then adjust for inflation each year after. However, new research is revealing what many in the financial...

Medicaid Eligibility Changes Could Increase Need for Long-Term Care Solutions

by A&A Editorial Team | November 24, 2025 | A&A Editorial Team, Health, Supplemental & Ancillary Products | 0 Comments

Tighter Medicaid eligibility rules could strip long-term care (LTC) coverage from more than 5 million Americans, including many older adults and people with disabilities. New income limits, stricter documentation, and increased...

The Secret to Presenting IUL Illustrations Effectively

by A&A Editorial Team | November 14, 2025 | A&A Editorial Team, Life, Sales & Marketing, Universal Life | 0 Comments

Indexed universal life insurance combines the traditional death benefit with a potential cash value component linked to a stock index. Though beneficial for specific consumers, these products can be surprisingly complex. The...

Featured Articles

Why Guaranteed Income Is Replacing the 4% Rule

For decades, the “4% rule” has been the shorthand for the conventional wisdom...

Medicaid Eligibility Changes Could Increase Need for Long-Term Care Solutions

Tighter Medicaid eligibility rules could strip long-term care (LTC) coverage...

The Secret to Presenting IUL Illustrations Effectively

Indexed universal life insurance combines the traditional death benefit with a...

How the Big, Beautiful Bill Impacts ACA Marketplace Plans and Enrollment

Recent legislative changes have been set to reshape how ACA Marketplace agents...

Why Some Medicare Advantage Plans Are Ending in 2026 (and What You Can Do to Help Enrollees)

Medicare Advantage enrollment continues to surge, with projections showing...

Adapting to the OBBB: How Agents Can Lead Through the Industry Shakeup

When the One Big, Beautiful Bill (OBBB) was signed into law on July 4, it came...

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Editor Spotlight

Realistic Expectations for the Great Wealth Transfer | Julian Movsesian, Succession Capital Alliance

A New Generation of Life Insurance: Why Customer Experience Can’t Be Overlooked

Embracing a modern, consumer-centric approach is crucial for meeting the new demands of Gen Z and Millennials.

Featured Contributors

Kelly Kleinsasser

Bob Brzyski

Robert Bache

Austin James

David Paul

Amber Allen

JoAnna Barker

JC Moreno

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