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ACLI Perspectives

Perspective_CWBestInterest

SEC's Proposal is in Consumers' Best Interest

The Securities and Exchange Commission is nearing completion of its proposed Regulation Best Interest, a new rule governing the conduct of broker-dealers when providing recommendations about securities to retail consumers. It represents a sensible, principles-based approach to protecting consumers in financial transactions.

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G20_Perspectives

G20 Says Aging Society Is a Priority Issue

People are living longer, and financial security into retirement is not just a challenge in the United States – it’s a challenge facing people around the world. The G20 – an international forum for the governments of 20 major economies – has selected aging society and filling the protection gaps created by increasing longevity as a priority issue.

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Congress Makes It Clear: Retirement Security Is a Priority Issue

A few months ago, I said that retirement security will be a policy issue everyone is talking about over the next decade. Last week, influential leaders in Congress laid proof to that claim, kicking off the new year noting retirement security as a bipartisan priority issue.

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Why Financial and Retirement Security Will Be the Policy Issue of the Next Decade

Retirement security will be a policy issue everyone is talking about over the next decade. Not only is the world’s population growing, but people are living longer too, thanks to advances in medicine and science. This is especially true for our children — the millennials and Generation Z — who are very likely to live to be 100 or more.

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Perspective_LTC_Awareness

The Sandwich Generation and Long-Term Care Insurance

For many people in my generation, we have a picture of what we want our financial lives to look like as our children leave home, and we enter the second half of our working lives.

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The #1 Thing I'm Listening for at the Fortune Most Powerful Women Summit

Women are now the primary breadwinners in 40 percent of households.

According to my organization, ACLI's, analysis of Bureau of Labor Statistics data, there are now 76 million of us women in the labor force compared to 17 million just 60 years ago. That's an incredible leap, and with that leap comes a host of new concerns, needs and anxieties about our families' financial and retirement security.

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Perspective_LIProvidesConsistency

When Life Changes in an Instant, Life Insurance Provides the Comfort of Consistency

Two friends that I have known for a long time lost their spouses during the past two years. The circumstances were sudden and unexpected. They both have children, and their lives changed in an instant.

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FRU_Perspective

Fiduciary: What's in a Name?

With apologies to Mr. Shakespeare, that which we call a "fiduciary" has been the subject of intense debate since the U.S. Department of Labor (DOL) first proposed its fiduciary regulation in 2015. In March this year, the Fifth Circuit Court of Appeals struck down the fiduciary regulation in its entirety on a nationwide basis following litigation in several jurisdictions by many parties including ACLI.

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Americans' Retirement Concerns Attracting Policymakers' Attention

Over the past two decades, many Americans have faced two types of retirement challenges. The most obvious one has been a “savings” crisis, where many Americans are under-saving for their retirement.

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Millennials_Perspectives

For Millennials, the Life Insurance Industry May Be the Stability They Need

Minivan enthusiast, subscriber to a Netflix DVD-by-mail plan, and voracious eater of breakfast cereal. With a profile like this, I may seem the antithesis of the millennial generation I technically belong to. Millennials are stereotypically known for bucking tradition in favor of trend. That’s why a long-standing industry like the life insurance industry may not jump out as an obvious match for millennials. (70 percent of American Council of Life Insurer member companies have been serving customers for more than a century.) We have products and services focused on long-term and delayed gratification.

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