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Event Calendar
NAIFA-Colorado Day on the Hill (March 2, 2016)

8:00am       Check-In (refreshments available)

8:30am       Housekeeping

                    IFAPAC Drawing Announcement

                    Overview of the Capitol

9:00am       Insurance Commissioner Marguerite Salazar

10:00am     Visit House and Senate Galleries

11:00am     Lobbyists: Carl Larson and Margie Christiansen

                    Current Legislative Efforts and Process

12:00pm     Lunch at Maggiano’s

                    Guest Speaker Floyd Cirulli

2:00pm       Securities Commissioner Jerry Rome

3:00pm       IFAPAC Drawing

                    Closing Remarks

                    Adjourn

Register Now with the link below:

http://events.r20.constantcontact.com/register/regform?llr=p9gsnveab&oeidk=a07ec65zlgf46d95b54



Sign-Up at www.NAIFA.org

NAIFA-Colorado Association Leadership Conference
July 21-22, 2016
Copper Mountain Resort

NAIFA National Conference
September 17-19, 2016
LasVegas, NV at the RIO

Top Story

Second phase approaching for new indexed universal life guidelines
The second phase of the Actuarial Guideline 49 from the National Association of Insurance Commissioners will go into effect in March. The upcoming phase will address standards regarding policy-loan illustrations for indexed universal life insurance products. Experts say the guidelines reinforce why advisers should avoid depending completely on illustrations when determining policy value for their clients. InvestmentNews (2/3)

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Industry News

Data show increased sales for whole life insurance in 2014
Sales of whole life insurance rose in 2014, while sales results for universal life were less uniform, Eastbridge Consulting Group says. New products could have been responsible for both types of insurance representing a higher-than-usual percentage of voluntary sales, Eastbridge notes. Carriers said they expect interest-rate uncertainty to prompt more interest in whole life. Hartford Business Journal (Conn.) (2/3)

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Baby boomers turning 70 may need guidance from financial pros
Financial professionals may need to step in and help clients reaching 70 because US tax rules force them to make what could be difficult decisions soon. The IRS' required minimum distribution for qualified retirement accounts takes effect at 70½, and penalties for failing to comply are significant. Financial Advisor online (2/3)

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Investment Trends

Target-date funds fared poorly in 2015
Target-date mutual funds, which are popular in retirement accounts, declined 0.86% on average last year, the first annual loss since 2008, according to Callan Associates. However, these funds staged a rebound in the fourth quarter. ThinkAdvisor (2/3)

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Policy Watch

House votes to expand definition of accredited investor
By an overwhelming margin, the House passed a bill that would make private securities available to more average Americans. The legislation would allow people with professional knowledge and experience about a specific security to participate in a private placement. InvestmentNews (2/3)

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Veto of ACA rollback will stand
House Republican leaders failed to gather enough votes to override President Barack Obama's veto of a bill rolling back key provisions of the Affordable Care Act. The Senate will not attempt an override. Reuters (2/2)

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Building Your Business

Advisers, clients can't ignore cybersecurity threats
Advisory firms' security practices are being scrutinized by regulators, in part because the SEC says nearly 75% of advisers have been targeted by such criminals. CNBC (2/3)

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Planner illustrates the financial effect of health factors
Financial planner Carolyn McClanahan demonstrates the financial impact of smoking and being overweight using a simple chart she put together. "[F]inancial planners can do a better job of getting clients to live a healthy lifestyle than doctors can," says the former doctor. The Wall Street Journal (tiered subscription model) (2/3)

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NAIFA News

Success and NAIFA membership go hand-in-hand
"InsuranceNewsNet magazine recently polled its readers and found a strong correlation between career success and NAIFA membership. ... These results confirm several previous studies that have shown NAIFA members tend to earn more than their non-member colleagues," writes NAIFA CEO Kevin Mayeux. Read more at the Advisor Today Blog.

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SmartQuote

"As you become more present in your own life, you will begin to enlighten others by your example."

-- Germany Kent,
media personality

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A Brief History of NAIFA-Colorado

NAIFA-Colorado, originally founded as the Colorado Association of Life Underwriters (CALU) in 1935, was based on the precept that those engaged in life underwriting occupy the unique position of liaison between the purchasers and the suppliers of life and health insurance and closely-related financial products. Inherent in this role is the combination of professional duty to the client and to the company, as well. Ethical balance is required to avoid any conflict between these two obligations.
NAIFA-Colorado’s mission:

NAIFA-Colorado is an organization of insurance and financial advisors whose purpose is to serve as an information resource, to promote ethical conduct, and to enhance our professional skills and public image, and support our local associations.

The NAIFA-Colorado Board of Directors meets four times per year, promoting educational programming and continuing education. In addition, we promote advocacy through legislative functions, including IFAPAC, APIC, Legislative Receptions, and a Day on the Hill. We also send representatives to the Division of Insurance’s Producers Advisory Council to articulate our views on rules, regulation
s, and pending legislation, as it affects the field of insurance and financial planning.


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