March 08, 2010 Will a $1 million 20-year level term policy attract a better life settlement offer if it has a conversion option for the full term period versus no conversion option or a very limited conversion option?...
March 08, 2010 In older age underwriting, why do underwriters run cognitive tests on clients?
...
March 08, 2010 Life insurers and life settlement professionals are clashing over a model state regulation that would let deferred annuity carriers terminate a living or death benefit if the annuity is sold in the secondary market. ...
February 22, 2010 Washington, Oregon and Maine now have laws that a require life insurers to notify policy owners that the owners have alternatives to cashing out, accelerating or lapsing their life policies. Here is how this might impact advisors.
...
February 22, 2010 This article answers the question: Do life settlement providers believe that market conditions for settlements changed between December 2009 and January 2010, and if so, to what extent?
...
February 22, 2010 This article answers question about whether an insurance agency needs to be licensed as a settlement broker in a state in order to conduct settlement business....
February 08, 2010 Goldman Sachs Group Inc., New York, is shutting down its life settlement unit, a company spokesman acknowledges. Company officials are describing it as “a commercial decision.”
...
February 08, 2010 This article answers the question: What is the economic basis for life settlements? That is, what makes them “work” for the investor and customer?...
February 08, 2010 This article answers the question, under new bills proposed in the New Jersey and Pennsylvania legislatures, life insurance policies would not be able to be sold until how long after initial policy purchase?...
January 11, 2010 This article answers the question: How should my client report taxes related to a life settlement transaction?
...
January 11, 2010 More regulatory scrutiny, higher consumer awareness and a return of buyers to the market are likely developments for the life settlement business this year, according to industry experts.
...
January 11, 2010 This article answer the question, when does Rhode Island's new Life Settlements Act, which requires life settlement businesses to disclose their compensation to policy sellers, take effect?...
December 14, 2009 Settlement executives take on myths and misconceptions about their industry during a webinar. One such myth is that life insurance settlements take advantage of the terminally ill and elderly....
December 14, 2009 This article answers the question: With the recent passage of the Life Settlement Act by the state of New York, how many states now have some regulation of life settlements?
...
December 14, 2009 This shows a Conning reserach and consulting prediction about the the likely after-tax income for the life insurance industry in 2009....
December 14, 2009 This summarizes the meaning of “adjustable biological-age pricing."
...
December 14, 2009 Members of the House voted 220-200 to pass H.R. 4154, a bill that would make the 2009 45% estate tax rate and $3.5 million per person exemption permanent. The bill now goes to the Senate
...
December 14, 2009 This graphic shows a "family legacy pyramid" that can help the advisor when setting up an estate and legacy plan...
December 14, 2009 Data from The MIB Group Inc., Braintree, Mass., showing that life insurance applications were up in October 2009....
December 14, 2009 This article answers the question: My client is a good candidate for a life settlement. However, he has asked about the privacy of his medical information during the transaction. How do I advise him on this point?
...
November 09, 2009 Life settlement advisors can improve sales substantially by placing more emphasis on the customer’s “behavioral decision” than on financial issues, says a life insurance industry consultant.
...
November 09, 2009 This answers the question: My client has been diagnosed with a terminal illness. What are some options and considerations, including life settlements, to cover with the client concerning the client's life policy?
...
November 09, 2009 Photo of California Governor Arnold Schwarzenegger, who has signed a new law regulating life settlements in California....
November 09, 2009 This graphic shows the pros and cons of short-term premium financing....
November 09, 2009 This chart lists the 5 biggist risks involved in retirement planning, according to Rob Studin of Lincoln Financial Advisors....
November 09, 2009 This graphic shows some common types of clients who pose problems for financial advisors....
November 09, 2009 This answers the question: Which organization opposed the new law in California, S.B. 98, regulating life settlements and imposing a state ban on stranger-originated life insurance policies?
...
November 09, 2009 The image shows Rep. Paul Kanjorski, D-Pa., commenting on his fear concerning financiers....
October 12, 2009 What does a life expectancy report entail and why are two such reports often needed for a single life settlement case?
...
October 12, 2009 The 2nd quarter 2009 results for the 100 biggest U.S. life insurers shows a totat net gain from operations, says Highline Data Performance Monitor....
October 12, 2009 How are widowed life beneficiaries faring after receiving their life insurance proceeds?...
October 12, 2009 Texas security regulators have issued an advisory to insurance agenct about what constitutes a security....
October 12, 2009 This insurance agency has resisted the temptation to lay off staff during the recession and here is why....
October 12, 2009 The Kentucky insurance department is looking into whether insurance companies have restricted the ability of licensed life insurance agents to do what concerning life settlements?
...
October 12, 2009 George Head summarized the point of life settlements...
October 12, 2009 A Congressional hearing in September 2009 on the securitization of life settlements was a mixed bag, people in the settlement industry agree....
October 12, 2009 Life insurance sales may be off overall lately, but not for the older folks. They keep on buying....
September 14, 2009 Revenue Ruling 2009-13 has proven “contentious,” according to two panelists at a recent meeting in St. Petersburg, Fla....
September 14, 2009 This chart shows the top 21 leaders in individual life insurance premiums for 2008, according to Highline Data....
September 14, 2009 This picture illustrates the risk of long term care--a risk that motivates some buyers to do a life settlement in order to gain funds to pay for the care....
September 14, 2009 John M. Bragg discusses how advisors need to be able to explore the life settlement option with clients....
September 14, 2009 This article contains a link to Minnesota's new viatical settlements law, which contains stipulations for licenses of brokers and providers in this market....
September 14, 2009 This article answers the question: Should I advise clients to hold off on selling policies because values may increase as the broader economy recovers?
...
September 14, 2009 Which three states do life settlement firms cite most often as states the firms have left due to concerns about laws and regulations? Find out here.
...
September 14, 2009 A New York Times article comparing the bundling of life insurance policies to the packaging of mortgage-backed securities is generating quite a bit of notice in the life settlement industry.
...
August 10, 2009 Two experts cover the pros and cons of stranger-owned life insurance during a breakout session at the Million Dollar Round Table annual in Indianapolis.
...
August 10, 2009 Chart shows life and health expectancies for male and female nonsmokers, now age 75, diagnosed with cancer. Figures from John M. Bragg, Bragg Associates, Atlanta....
August 10, 2009 Compliance Consultant Dennis Groner gives a 10-point list of the kind of documentation that is needed to support suitability of financial recommendations....
August 10, 2009 This article answert the question: Who are the life settlement intermediaries and do they all get compensated for their services in executing the transaction?
...
August 10, 2009 The article answers the question: Among retirees ages 56 to 77 with at least $100,000 in investable assets, what percent feel less secure today than upon first entering retirement?
...
|