Sunday, October 10

8:15 AM - 9:30 AM

Protecting Income: A Planner’s Look at Disability Income Insurance

Allen C. McLellan, CFP®

See how to protect income based on the "human life value" concept. After establishing the need, take a look at the basics of disability income (DI) insurance and its role in a comprehensive financial plan. Find out what the financial planner must know to adequately assess a client's risk and make suitable risk management recommendations. Also, look at several important features of DI underwriting, such as job stability, income replacement ratios and employee motivation. Finally, consider important criteria for selecting an insurer for DI coverage.
     Career Stage: I, II
     Competency: Technical Knowledge, Sales and Marketing
     CFP Topic List: Insurance Planning & Risk Management, Employee Benefits Planning
     CFP Board CE credit: 1.5 (pending approval)
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11:00 AM - 12:00 PM

Balancing Boomers' Balance Sheets

Philip E. Harriman, CLU, ChFC, RFC

Learn how baby boomers think and feel about their money - and how we as advisors must help them grow their assets and minimize their liabilities through a process called Lifestyle, Life Income and Lifeboats.
     Career Stage: All
     Competency: Relationship Skills, Sales and Marketing, Communication Skills
     CFP Topic List: Insurance Planning & Risk Management, Retirement Planning, Estate Planning
     CFP Board CE credit: 1.0 (pending approval)
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Monday, October 11

8:15 AM - 9:30 AM

Estate Planning Concepts and Product Funding Alignment

Kenneth V. Nordstrom, CLU,ChFC,AEP

A variety of estate planning tools and techniques offer estate freezing results or at least the ability to shift substantial amounts of wealth to junior generations with a high degree of gift and/or estate tax leverage involved. Many of these planning concepts require liquidity not readily available during lifetime, or they are rendered more effective by life insurance enhancement. The challenge for the planner is which product type - guaranteed UL, current assumption UL or variable UL - is the most suitable for any given transfer technique. Explore the range of product types and their pros and cons in the context of popular wealth transfer devices.
     Career Stage: II
     Competency: Technical Knowledge, Critical Thinking
     CFP Topic List: Insurance Planning & Risk Management, Estate Planning
     CFP Board CE credit: 1.5 (pending approval)
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10:00 AM - 11:45 AM

Landscape of Innovative Long Term Planning Solutions

Debra C. Newman, CLU, ChFC, LTCP

Gain an understanding of innovative products-such as creative "health-based," long-term care insurance and groundbreaking "asset-based" solutions-through the review of comprehensive case studies. Planners also learn to apply long-term care insurance from an estate planning and an executive benefit point of view.
     Career Stage: All
     Competency: Sales and Marketing, Critical Thinking
     CFP Topic List: Insurance Planning & Risk Management, Retirement Planning
     CFP Board CE credit: 2.0 (pending approval)
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Tuesday, October 12

10:30 AM - 11:45 PM

Insurability Rules! Improving the Rates for Life, Long Term Care, and Disability Insurance

Carolyn McClanahan, CFP®, MD

Proactive insurance planning can save your clients big money. Dr. Carolyn McClanahan shows how making simple changes can improve your clients' insurability for life, long-term care and disability insurance. Learn about the problems insurance companies look for in each type of product, and how common conditions such as weight issues, hypertension, mental health issues, arthritis and diabetes can affect the cost of and/or ability to obtain coverage. Also find out how you can plan for these issues in advance to help your clients find the insurance they need.
     Career Stage: All
     Competency: Technical Knowledge, Communication Skills
     CFP Topic List: Insurance Planning & Risk Management
     CFP Board CE credit: 1.5 (pending approval)
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