Key Person Case Study from Exceptional Risk - In this case, the chairman and CEO is the driving force behind the company's continued growth and financial stability. The board had secured a traditional life insurance policy for him but would have faced signifigant exposure should the CEO become seriously disabled. The Key Person coverage ended up covering and exposure that was greater than the risk of death to the client and the agent generated more revenue for his firm with the sale than he did with the life insurance placement. We are always looking to help create ways to find disability opportunities outside of just traditional coverage - if you are working on Key Person life, look to Key Person Disability as well! READ MORE

• Genworth 4th quarter results and China Oceanwide update
• Disability Insurance: What you need to know
• Ohio National financial update
• NY Post - Insurers under 'gay denial' under fire
• LTC Insurance - Met Life suffers a setback in a class action lawsuit relating to premium increases.
• NY Times - Amazon, Berkshire Hathaway and JP Morgan team up to disrupt health care
• One America - Streamlined care solutions, new business submissions

As we head in to the new year, and the changing weather, there are some other changes taking place that we want to make you aware of. At NJLTC we recognize that the industry is moving towards a digital, electronic format and work flow. We have sent out several articles and news pieces that document this transition and explain the changes as they take place. Carriers have e-apps (or electronic applications) available in most cases now. Digital files, PDFs and electronic signatures are replacing the hard copy, paper and ink signatures that have been a staple of this marketplace for so long.

We are transitioning to electronic documents and work flow as well. This is not going to happen over-night, for us, or the industry. It is a lengthy and involved process to ensure continuity of service, products, and support. With these things in mind, as we extend our services and support in to the digital domain, we want to ensure that our product and client support to you, our brokers, continues to improve.

As we move forward, extending and expanding our support, it is important for our website www.NJLTC.com to remain a valuable resource for you in your sales efforts. To this end, you will notice that changes will continue to take place online, and we encourage feedback. It is our intent to be 'value-added' to your efforts. Some of the things you will find in place as of now are:

• Download available applications for all companies in NJ, NY and more
• Blasts and news articles - A complete archive of the last 12 calendar months containing all fo our updates, articles, and blasts
• Industry website and resource links - We don't have all the answers, but we know where to find them
• Marketing materials - Various product brochures and pamphlets to assist in the sales and support efforts