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Current Universal Life Policy Illustrated Values $1,000,000 Male Age 40/Best Nonsmoker (^)/Level DB; $7,500 Annual Premium As of July 1, 2003; In Most States Current Crediting Company Policy Rate Acacia [...]

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 [...]

Current Whole Life Policy Values $250,000 Male Nonsmoker Best [^] Class Age 40 Base Policy Company Policy Annual Premium AmerUS Life HeritageFlex 4,410 AmerUS Life Executive Whole Life 3,883 AmerUS [...]

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 [...]

The life insurance industry has produced a number of new concepts that offer benefits beyond those provided in the usual group life insurance policies but often confuse employees and employers as to their cost effectiveness. Before selecting new programs, employees and employers should ascertain the financial strength of the insurance company and understand how the program might be advantageous to them. Investment of excess amounts and the high cost of variable life insurance relative to benefits must also be measured against individual employer goals and individual employee needs., All companies today are actively seeking ways to improve the cost of effectiveness of employee benefit programs. Employees are presented with an array of choices and are being asked to [...]

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 [...]

Annuity Choice Means More Than Credited Rate Asset accumulation products have accounted for most of the real growth in the individual line of the U.S. life insurance industry over the [...]

Diversifying Retirement Investment Portfolios SAN FRANCISCO--Relying on fixed-income investments as a predominant percentage of a retirement investment portfolio has become a thing of the past. Unfortunately, too many advisors have [...]

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 [...]

Flexibility is important to life insurers who say the standard valuation law should use asset adequacy testing rather than formulas to determine necessary reserves. Asset adequacy testing is a more [...]

When attempting to obtain coverage for a person with a history of a heart condition, agents must be prepared to ask the applicant a host of questions in order for [...]

One of the exciting new trends in risk selection is what could be called 'customized underwriting,' the personalization of the risk appraisal process. In customized underwriting, the attempt is, when [...]

The life contingency annuity is, as we have said in previous articles, central to effective retirement planning, because it can provide income that cannot be outlived. But life contingency annuities [...]

How To Choose Annuity That Best Suits The Client In today's booming annuity marketplace, the traditional planning rule still reigns supreme: Select the contract that best meets the client's need. [...]

The banking industry's marketing of deferred annuities as retirement products is rather disingenuous. Despite their tax deferral advantages, deferred annuities just do not have the features that make them ideal retirement savings vehicles. Life insurance products are the best vehicles for retirement planning as they are relatively risk free and provide ample income. In addition, life insurance products provide benefits for the surviving spouse., With all of the hype and lawsuits regarding the marketing of so-called 'retirement plans,' one could easily conclude that somewhere there is a stereotype product or plan that precisely fills [...]