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?
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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. ...
March 08, 2010 Who runs one of the world’s largest personal health records businesses? ...
March 03, 2010 Significant changes swept through individual annuity sales in 2009.
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February 23, 2010 I recently took my family on a vacation to Disney World. During the long lines in the Magic Kingdom, my wife and I played a lot of word games with our children to keep them from saying “Mom and Dad, when is this line going to end?”...
February 23, 2010 Today’s succession planning is an important career-long activity that promotes good practice management. ...
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.
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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?
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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 12, 2010 At least three big fixed indexed annuity marketers now own their own broker-dealers. ...
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.”
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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?...
February 02, 2010 In today’s competitive marketplace, an effective retirement plan review offers one of the best ways to demonstrate your value-added expertise to clients, and to foster client loyalty and satisfaction. ...
February 02, 2010 People who go around saying they know how to plan for the current hiatus in the estate tax likely have no clue about what to do. It’s doubtful that anyone really knows what to do....
January 25, 2010 Benjamin Graham, the late economist known as “the father of investing,” was famously noted for saying, “Wall Street people learn nothing and forget everything.” He delivered this quip a generation ago, but could have said it last month. ...
January 25, 2010 The financial crisis has made clear that in times of financial stress, capital is king. It is the lifeblood of life insurers and the means by which they protect their ratings and policyholders and invest in growth. ...
January 25, 2010 The year 2009 may not have been a big year for insurance product innovation, but it was a pretty active year for tools....
January 19, 2010 A popular financial website recently wondered why the cost of guarantees for variable annuities was going up....
January 19, 2010 Who could have predicted that the time would come when people would worry about the uncertainty of the “when” of death?...
January 19, 2010 The severe economic downturn last year crumpled widely held hopes among long term care insurance producers and carriers for a reversal of 6 straight years of falling sales....
January 11, 2010 This article answers the question: How should my client report taxes related to a life settlement transaction?
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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.
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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 28, 2009 What is ahead for income plans as 2010 unfolds? Advisors offer many ideas and considerations, and prudence rules....
December 21, 2009 1st Generation: These are black box systems which were probably enforced/encouraged on an insurer’s underwriting team to ensure consistency as well as a bare minimum standard of underwriting decision making....
December 21, 2009 With the need for quicker turnaround time and swifter issue of policies, the life insurance industry was faced with a dilemma. ...
December 17, 2009 While many advisors love variable annuities, some won’t go near them. But looking back at the last decade, VAs were one of the best investment products to help clients get through this economy
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December 17, 2009 this article answers the question, what changes can the insurance industry expect to see from variable annuity providers in 2010?
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December 17, 2009 This article shows some recent headlines concerning the too-big-to-fail American International Group....
December 17, 2009 These articles show third quarter sales statistics for annuities and life policies....
December 17, 2009 This graphic shows tools for managing longevity risk, including annuities....
December 17, 2009 This graphic shows objections to index annuities that are not on target....
December 17, 2009 These charts from Fisher Annuity Index show interest rate trends on fixed annuities as of December 2009....
December 17, 2009 This article answers the question: Within what period of time does the Securities and Exchange Commission plan to fully implement Rule 151A, after the final rule is issued?
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December 14, 2009 Consider this scenario: Widespread lack of trust in large financial institutions, a prolonged economic slump and a resurgence in the collective yearning for the ties that unite and define us. ...
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?
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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."
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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
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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?
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December 03, 2009 “Where is the rollover and conversion market?”
Just about everywhere.
There are very few clients who don’t have some qualified account somewhere, whether it’s an individual retirement account, 401(k), or something else.
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November 23, 2009 The financial professional’s role is to help clients remove the guess-work from retirement planning strategies and build confidence in funding both their short- and long-term goals....
November 20, 2009 Consumer confusion about insurance is quite real. Employers and their employees have difficulty understanding insurance products. ...
November 19, 2009 This answers the question: When does the five-year Roth IRAclock stop ticking, after which time the Roth IRA owner can take distributions income tax-free?
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November 17, 2009 this article answers the question: What are group variable annuities ?
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