ON THE COVER: Steve Dininno Illustration
ON THE COVER
For more information on the DOL fiduciary rules,
go to www.LifeHealthPro.com/fiduciary
AG 49 28
Have we gone too far in limiting
illustrative rates on IULs?
A NEW LOOK AT COLD
CALLING: Just don’t do it 32
Use these prospecting tips and sales
techniques to acquire more customers.
ANNUITIES IN MEDICAID
PLANNING: What you need
to know 36
Recent regulatory measures and
court cases have changed the
landscape for the use of short-term
annuities in Medicaid planning.
By Ed McCarthy, CFP, RICP