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National Association of Insurance and Financial Advisors (NAIFA)
Interests: life insurance and annuities, health insurance and employee benefits, multiline, and financial advising and investments
Recent Activity
2014 (Presentation Time - 14:41 ) Download 2014 YAT Chair Session_FINAL Hear from fellow YAT Chairs who share their tips and best practices... Ashley C. Corbally, NAIFA-Montana YAT Chair Dave A. Cranfield, NAIFA-Colorado YAT Chair Sarah H. Mosley, NAIFA-Maine YAT Chair 2013 Download 2013Academy_YATSegment Continue reading
Posted Jun 4, 2015 at 2015 NAIFA Online Leadership Academy
The NAIFA Blog has a new home at The good news is that the NAIFA Blog is also featured prominently on the home page at Unfortunately, we will no longer be able to send emails to inform subscribers of new posts. Thank you for your support of the NAIFA Blog, and we hope that you will continue to read us in our new format. Continue reading
Posted Nov 7, 2014 at NAIFA Blog
Who says it is always in the best interests of consumers to do business with fee-only financial advisors? We’ve seen dozens of financial advice columns “warning” consumers that registered representatives do not adhere to a strict fiduciary standard. For trustworthy (and better) advice, they typically claim, investors must avoid registered representatives compensated by commissions. Maybe we shouldn’t be surprised that these articles, almost invariably, are written by or rely on interviews with fee-only registered investment advisers (RIAs). In one recent example, Barry Ritholtz, who in his day job works as chief investment officer at Ritholtz Wealth Management, wrote a column... Continue reading
Posted Oct 29, 2014 at NAIFA Blog
by Hyatt Erstad, NAIFA Government Relations Committee Chair Few people understand health insurance better than agents and brokers. In 2013, as Idaho started the process of launching its state-based exchange, Your Health Idaho, NAIFA worked hard to ensure health advisors were incorporated into the system so consumers would have somewhere to turn for help and guidance. Your Health Idaho chose to embrace the expert advice and added competition agents and brokers brought to the marketplace and during the first year of open enrollment they became a cornerstone of the exchange. When technology glitches with crippled many states' ability to... Continue reading
Posted Oct 24, 2014 at NAIFA Blog
NAIFA, its programs, advocacy efforts and members featured prominently in the news as NAIFA’s recently concluded Career Conference and Annual Meeting in San Diego attracted significant media coverage. The gathering of insurance and financial advisors, including many industry leaders, generated a broad range of stories. Interviews with NAIFA President Juli McNeely InvestmentNews InsuranceNewsNet LifeHealthPro Conference Workshops Advisor 2020 IRA Annuity Traps Young Advisors Team Panel NAIFA’s Legislative Forum NAIFA’s Legislative Forum (story 2) RealLifeStories Interviews and Profiles of NAIFA Members Heard in the Hallways 1 Hear in the Hallways 2 Heard in the Hallways 3 Young Advisors Aprilyn Geissler Announcements... Continue reading
Posted Sep 16, 2014 at NAIFA Blog
NAIFA and five industry partners have sent a letter to several key members of the House of Representatives urging long-term reauthorization of the Terrorism Risk Insurance Program and asking that the NARAB II agent-licensing bill be included in the legislation. The NARAB portion of the letter states in part: "NARAB II would achieve much-needed reciprocity in producer licensing and help policyholders by permitting greater competition among agents and brokers. NARAB II would build upon regulatory experience at the state level, promote greater consistency in agent and agency licensing and ease the burden many agents face in doing business across state... Continue reading
Posted Sep 10, 2014 at NAIFA Blog
The NAIFA Government Relations team provided their annual legislative update to attendees at NAIFA’s Career Conference and Annual Meeting. Agent Licensing NARAB II is legislation that will create a national, not federal, insurance licensing program. Under the proposed legislation, producers must be licensed in their home states, pay the licensing fee for every other state in which they are licensed, meet NARAB membership qualifications, and undergo criminal background checks. NARAB II is included in terrorism risk insurance act (TRIA) legislation moving through both the House and Senate. TRIA must be enacted by the end of this year and there is... Continue reading
Posted Sep 10, 2014 at NAIFA Blog
NAIFA to launch 125th anniversary celebration at conference Insurance agents and financial advisors will discuss emerging trends and issues facing the industry, including the impact comprehensive tax reform may have on their businesses, and the role agents play in helping consumers secure long-range financial security in today’s economic environment. The conference and exhibition will be held Sept. 6-8 at the Manchester Grand Hyatt in San Diego. The 2014 conference also will serve to kick off NAIFA’s 125th anniversary – which will be noted with events and stories told throughout the year – and close at the 2015 Career Conference and... Continue reading
Posted Sep 2, 2014 at NAIFA Blog
"Securing America's Financial Future" is a new report that draws on NAIFA surveys, industry research and interviews with NAIFA members to offer a detailed portrait of NAIFA members, who they are and how they serve their clients. In the words of NAIFA President John Nichols, the report “provides facts and statistics about the insurance and financial services profession, NAIFA members and their clients. But as importantly, it offers personal and professional snapshots of individual NAIFA members.” For example, the report not only provides a graph showing the types of products sold by NAIFA members, but also examples of how NAIFA... Continue reading
Posted Sep 2, 2014 at NAIFA Blog
As the Affordable Care Act was being drafted and then implemented over the past few years, NAIFA has worked hard to ensure that health advisors remain part of the system. Services and expertise provided by brokers and agents are important to consumers across the board, from small business owners trying to adjust to new requirements to individuals who have never had health coverage before and do not know how it works. A recent New York Times article illustrates a problem faced by many consumers who did not consult a licensed advisor. Salwa Shabazz selected a low-premium plan on the federal... Continue reading
Posted Aug 11, 2014 at NAIFA Blog
NAIFA President John Nichols is one of "13 insurance industry heros you need to know," says a new acrticle in LifeHealthPro. "The opportunity to make a difference exists more today than ever before," Nichols tells the publication. "There are more potential clients, the need for our products and services has probably never been greater, the quality of our products and services are better than ever before." Read the rest of the interview on the LifeHealthPro website. Continue reading
Posted Jul 18, 2014 at NAIFA Blog
NAIFA President John Nichols comments on TRIA and NARAB: “We are pleased the Senate has advanced the Terrorism Risk Insurance Program Reauthorization Act of 2014 (TRIA Reform Act) that includes an amendment that would create the National Association of Registered Agents and Brokers (NARAB). While leaders in the House continue discussion over TRIA, it is our hope they will be able to pass something in the near future so the House and Senate can finalize both TRIA and NARAB this year. It is clear that NARAB has had overwhelming bipartisan support from both the House and Senate. The time is... Continue reading
Posted Jul 17, 2014 at NAIFA Blog
The House Financial Services Committee today marked up the Terrorism Risk Insurance Act (TRIA Reform Act) including an amendment that would create a National Association of Registered Agents and Brokers (NARAB). NARAB would be a national licensing organization to allow insurance agents to operate in multiple states more efficiently. "NAIFA applauds Chairman Neugebauer's authorship of NARAB II as an amendment to the TRIA Reform Act," said NAIFA President John Nichols. "The facilitation of interstate agent and broker nonresident licensure is a win for insurance agents and brokers, but more importantly it’s a win for consumers. Relationships forged between agents and... Continue reading
Posted Jun 19, 2014 at NAIFA Blog
NAIFA President-Elect Juli McNeely recently spoke with Employee Benefit Advisor magazine about her meetings on Capitol Hill during NAIFA's Congressional Conference and also the future of NARAB II legislation. “What’s encouraging to me is that the lawmakers acknowledged the importance of [NARAB II],” McNeely said. “We just emphasized the importance of getting it passed this year.” To read the rest of the story, visit the EBA website. (Free registration required.) Continue reading
Posted May 30, 2014 at NAIFA Blog
The Department of Labor has announced that it will not re-propose a fiduciary rule for advisors who sell and service retirement plans until January 2015 at the earliest. DOL did not provide a reason for the delay, but NAIFA along with other industry groups and members of Congress have asked DOL to meet with stakeholders and coordinate with the Securities and Exchange Commission, which is considering an advisor fiduciary rule of its own. DOL needs to ensure that any proposed rule does not increase costs or limit access to investment advice for retirement savers. “NAIFA welcomes the Department of Labor’s... Continue reading
Posted May 28, 2014 at NAIFA Blog
Employee Benefit Advisor magazine's Gillian Roberts, reporting from NAIFA's Congressional Conference, provides a good update on NARAB II and NAIFA's efforts to promote the bill with lawmakers. "NAIFA’s legislative team reiterated that the top two legislative priorities for the year are getting NARAB II passed and communicating the need to limit additional insurance-related taxes in any future tax reform discussions," Roberts writes. "NARAB II would establish a federal clearinghouse to cut through the red tape of state-by-state broker and agent licensing." You can read the entire article on the EBA website (free registration required). Continue reading
Posted May 22, 2014 at NAIFA Blog
Some NAIFA members may not know this, but for members of Congress, they are the ideal constituents because they possess six qualities that are near and dear to lawmakers. These qualities were identified and described by ACLI President and CEO Governor Dirk Kempthorne during the NAIFA Congressional Conference currently under way in Washington, D.C. As NAIFA members, Kempthorne said: You are believers. You reflect the belief of a great man from history, Winston Churchill, who said: If I had my way, I would write the word, insure, upon the door of every cottage … because I am convinced, for sacrifices... Continue reading
Posted May 21, 2014 at NAIFA Blog
It’s exciting to once more be a part of this great event. The NAIFA Congressional Conference brings together the most dedicated agents and advisors in the country to advocate on behalf of your businesses, your colleagues and your clients. As many of you know, and our Conference first-timers will soon find out, it is a thrill to play an active part in our great nation’s democratic process. Members of Congress benefit from your expertise on our industry. They welcome your insights into how you and your colleagues help secure the financial futures of 75 million American families. Most importantly, you... Continue reading
Posted May 21, 2014 at NAIFA Blog
Good afternoon! It is my pleasure and honor to welcome you to Washington, D.C., and the NAIFA 2014 Congressional Conference. As you know, NAIFA is an association representing insurance agents and advisors. We have a very loyal and supportive group of companies who have helped us in accomplishing our Conference goals. Please join me in acknowledging MassMutual, New York Life, Northwestern Mutual, State Farm and Thrivent as well as many other companies that have helped promote the Conference. Special thanks should also be given to ACLI and our Secure Family coalition partners. Please join me in thanking these friends of... Continue reading
Posted May 21, 2014 at NAIFA Blog
NAIFA members attending the association’s Congressional Conference at the Washington Marriott Wardman Park Hotel in Washington, D.C., are performing an important task today: They are paying visits to their Senators and Representatives to ask them to carefully consider the negative effects the Camp tax reform draft would have on the U.S. if proposals in the draft make it more difficult and more expensive for Americans and businesses to achieve financial security. More than 700 NAIFA members visiting the Hill are having in-person meetings with lawmakers from all 50 states, during which they will defend the policies that allow consumers to... Continue reading
Posted May 21, 2014 at NAIFA Blog
Judi Carsrud, NAIFA's director of federal relations, was interviewed for a recent Employee Benefit Adviser podcast. She discusses several of NAIFA's advocacy priorities, including the Camp tax reform proposal, the expected Department of Labor fiduciary proposal, NARAB II and NAIFA's Congressional Conference. You can listen to the podcast on the EBA Web site. Continue reading
Posted May 2, 2014 at NAIFA Blog
Congress is in gridlock. But sooner or later, this will change. When the time comes, will we be ready? Please register for the May 20-21, 2014 Congressional Conference to join us in this important effort to educate lawmakers about the value of your business to your clients! Will we have enough members of Congress who understand the insurance industry? Who are committed to defending the policies that allow consumers to take responsibility for their retirement and financial security? Who are willing to fight for the 75 million American families that rely on insurance products? We have already lost a number... Continue reading
Posted Apr 23, 2014 at NAIFA Blog
Bill Nold, the deputy executive director of the Office of the Kentucky Health Benefit Exchange, told Bloomberg BNA that more than 44 percent of the 85,000 Kentuckians who enrolled in qualified health plans through the state's marketplace benefited from the assistance of an insurance agent or broker. "We wanted early on to make sure that our insurance agent community was very much involved in the process, and it appears they have been engaged," Nold said. "As time goes on as we get into the next enrollment period, we'll have even more interest from our agent community in helping people get... Continue reading
Posted Apr 15, 2014 at NAIFA Blog
NAIFA applauds House passage of legislation that would minimize the disruption to the American workforce by restoring a traditional 40-hours-per-week definition of a “full-time employee.” Affordable Care Act rules require employers with 50 or more full-time employees to provide health care coverage. A tax penalty would be imposed for noncompliance. On April 3, the House passed 248-179 legislation that would redefine a full-time employee under the Affordable Care Act, increasing the threshold from 30 hours per week to 40 hours. Seven Democratic members voted in favor of the bill. Unfortunately, the Save American Workers Act (H.R. 2575) introduced by Rep.... Continue reading
Posted Apr 4, 2014 at NAIFA Blog
The Camp tax reform discussion draft—proposed by House Ways & Means Committee chair Rep. Dave Camp (R-MI)—underscores an urgent need for NAIFA members to continue their ongoing effort to educate Congress about the value and need to maintain current tax rules governing life and health insurance, retirement savings, and employee benefits. The draft extracts more than $583 billion (over 10 years) from almost 50 proposals that directly or indirectly impact the insurance industry. The adverse revenue impact hits customers, agents, and carriers. Some experts project that the Camp tax reform draft would stimulate economic and jobs growth—but it does so... Continue reading
Posted Apr 2, 2014 at NAIFA Blog