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AN AVID READER CALLED US HERE IN THE HOBOKEN, N.J., office of National Underwriter and said, 'I live in Florida. Why is it that every questionable life insurance and annuity [...]

A FEW INSURANCE companies are developing term life insurance products that will make periodic death benefit payments to the beneficiary upon death of the insured. At least two carriers already [...]

Byline: Michael K. Stanley During a hectic November afternoon at the office my phone rang. Although I am well versed in pleasantly explaining to telemarketers that I do not make [...]

Cognitive testing is being added to older-age underwriting programs to test for cognitive functionality. Here is what is happening. Typically, when a person loses mental capabilities, the person progresses from [...]

In light of the financial meltdown, it is a good time to talk to the (still) wealthy about using life insurance as a financial tool for giving to charity. For [...]

IT'S A TOUGH ECONOMY and life insurance professionals are asking lots of questions about selling in this climate. Here are my answers. Question: Many life companies have had ratings downgrades. [...]

Does Nationwide provide life coverage to U.S. citizens who reside outside the U.S. but who work for a U.S. sub? Nationwide will consider these situations on a case-by-case basis. There [...]

You've got life insurance questions; Nationwide's investment professional has answers. Here's a sample of recent questions that were submitted. To view more questions and answers or to submit a life [...]

AS IF FACING a worldwide economic crisis weren't enough, life settlement investors have found out in recent months that insureds are going to live longer than was previously thought, At [...]

[ILLUSTRATION OMITTED] A PLUNGING AND VOLATILE STOCK MARKET and weak economic conditions are some of the factors that recently prompted 2 rating agencies to assign a negative outlook to the [...]

STAND-ALONE, acceleration and riders are the 3 critical illness insurance designs that prevail in the United States market. Here is a recap, and also a look at what lies ahead [...]

Today's economic needs and conditions are pushing for a more dynamic immediate annuity product. A growing percentage of the population is already shifting from the accumulation to decumulation stages of [...]

A PANEL DISCUSSION here was billed as a point/counterpoint on life settlements. But the 2 panelists decided to take a different direction. They decided they would explore 3 approaches to [...]

STRANGER-ORIGINATED life insurance poses a danger to the insurance industry and to Congress' perception of life insurance, several speakers contended at an annual reinsurance conference held here earlier this month. [...]

STRANGER-ORIGINATED LIFE INSURANCE, concentration risk, and the credit risk crisis were 3 of the top concerns reinsurers and retrocessionaires mentioned as having the 'most profound impact' on the sustainability of [...]

CURRENT INDEXED UNIVERSAL LIFE POLICY ILLUSTRATED $1,000,000 Male Age 40/Best NS Class */Level DB; $7,500 Annual Premium As of July 1, 2007; In Most States Illustrations were requested using indexing [...]

AMERICANS BELIEVE life insurance is important but also admit they understand little about it and probably don't have enough of it. Those are some conclusions of a recently completed Life [...]

SO, WHAT EVER HAPPENED TO traditional viatical deals, the ones that involved the purchase of life insurance policies from working-age patients with terminal illnesses? Although the market for policies owned [...]

THE FINANCIAL ACCOUNTING Standards Board Web site already offers a detailed discussion about how to account for life settlements. That means that life settlements must be here for the long [...]

MANY BOOMER BUSINESS OWNERS are going to be looking to plan their exit strategies in the short years ahead. With careful analysis and evaluation, a well-planned strategy can help ensure [...]

WHAT KIND OF death benefit guarantee period is right for the client? That question comes up after advisor and client have decided that universal life best suits the financial security [...]

THIS IS A TOUGH MARKET. These are challenging times in which to sell, build, run or promote anything--no matter who you are. But those of us who are lucky enough [...]

WHY IS TERM INSURANCE so inexpensive even with the recent rate increases by many carriers? Because only in rare cases does the death benefit ever pay out. Statistics whispered throughout [...]

IN AN ECONOMIC ENVIRONMENT when most business owners are focused on short-term financial issues, insurance professionals need to help owners not to forget about the bigger long-term consequences. The economic [...]

I CAN'T REMEMBER FOR A FACT, but it seems to me that I've already used the mythic image of Sisyphus to describe the life insurance industry's seemingly doomed challenge of [...]

WHAT FACTORS do bankruptcy judges weigh when determining whether gifted assets escape claims by creditors? How much creditor protection is afforded life insurance policies? Which states are most favorable to [...]

EVERYWHERE, PEOPLE ARE CUTTING BACK: no more daily Starbucks fixes, frozen entrees for dinner instead of eating out, and lots of movie rentals. Major discount retailers are touting their products [...]

Rep. Barney Frank, D-Mass., on March 5 voiced support for an optional federal charter, especially for life insurance. Frank, chairman of the Financial Services Committee, said in his comments it [...]

THE DECISION TO BUY variable corporate-owned life insurance can entail a complicated series of steps. There are many aspects, from plan design and the desire to 'fund' a plan, to [...]

WHEN WWII PILOTS were sent on a mission over enemy territory and their primary target was not accessible, usually because of weather, they would be directed to an alternate target. [...]

IN TODAY'S TURBULENT MARKET environment, more and more investors are looking for ways to ensure returns inside their portfolios and protect their investments against the ravages of a bear market. [...]

THERE IS A WIDELY HELD VIEW among financial advisors that seems sub-optimal. This is the idea that retirees' asset allocations should become increasingly conservative as the)age. My firm recently conducted [...]

WINSTON CHURCHILL SAID this about using life insurance to protect the economic value of a human life: 'If I had my way I would write the word insurance over the [...]

INDEXED UNIVERSAL LIFE LIFETIME/AGE 100 GUARANTEED MINIMUM PREMIUMS ILLUSTRATED (07/01/07) $1,000,000 Policy; Standard NonTobacco Class-Annual Premium Guarantee Male Company Policy Name Period Age 35 AIG American Site Index UL Lifetime [...]

INDEXED UNIVERSAL LIFE LIFETIME/AGE 100 GUARANTEED MINIMUM PREMIUMS $1,000,000 Level Death Benefit; Annual Premium. ILLUSTRATED (07/01/07) $1,000,000 Policy; Best NonTobacco Class Guarantee Male Company Policy Name Period Age 35 MG [...]

IN DECADES OF MEETING one on one with employees at every level to discuss their benefits needs, I often hear the same objections to buying life insurance. Here are some [...]

A COUPLE OF DAYS AGO, my wife showed me an ad from the catalog of an upscale department store. Pictured in the ad was a model whose left knee was [...]

A SEPT. 6, 2005, REPORT FROM National Underwriter's Online News Service noted this living benefit development: New York has issued accelerated benefits roles mostly pertaining to accelerating a death benefit [...]

OVER THE PAST 18 MONTHS, the number of professional advisors engaging in life settlement transactions has nearly doubled. In addition, more CPAs and attorneys are entering the arena due to [...]

WHEN IT COMES TO PROVIDING benefits to employees with diverse needs, human resource and benefit managers often face a Herculean task. The need to offer innovative and cost-effective benefits in [...]

THE NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS receives many proposals for improving state regulation] of insurance--some are worthwhile, others are not practical find are usually forgotten. Perhaps the most inane suggestion [...]