Below you will find a link to a National Underwriter article published this week to which I was asked to contribute. It’s always interesting to see how Read more…
So, after writing about the poor state of charity owned life insurance in Part I, why is life insurance regularly utilized in charity planning and what’s my take on it? This discussion will focus solely Read more…
The non profit community is a market with which I work on life insurance strategy development as well as provide policy audit and policy management services. What I see is interesting. The institutions that you would think may have numerous policies Read more…
Today’s commentary is simply a product discussion; the life insurance / long term care combo product. This is by no means a new concept and there have been companies with such a product for quite some time but lately there seems to be a Read more…
When I’m out and about speaking with advisors regarding what’s going on in the life insurance industry, it’s not hard to see that conventional wisdom (rhetoric) has blinded many people. What I mean by this is that there is often an automatic assumption that Read more…
While I have a file full of topics to write on, I tend to pay attention to issues I have been seeing or cases I’ve been engaged in recently.
The importance of insurance consulting continues to be Read more…
Variable life insurance is a form of cash value life insurance where the risk of investment is put squarely on the shoulders of the consumer as opposed to the insurance company. At least in the real old days of the insurance market, investment risk was entirely on the shoulders of the carrier but since we entered Read more…
It’s been widely understood that life insurance rates have been coming down since, well, forever. There was a point not too long ago where if an insured individual with a term insurance policy was willing to take an insurance physical and complete new paperwork every year, he could reduce his premium annually even though he was a year older and the new policy would last a year longer. In fact it was common for policy owners and agents who were on top of things to do Read more…
Let’s talk a moment about life insurance policy crediting rates, where they have been and where they are going. This discussion is regarding whole life dividends and universal life interest rates. It is not about insurance premiums, mortality costs or overhead expenses but rather Read more…
How often do you hear “I’m going to give it away before I die”? Or “I know I need that insurance for estate tax liquidity but cash flow is tight right now”? How about Read more…
