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
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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
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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
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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
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What is the best thing you can do for your clients regarding their life insurance?  If you are an attorney, accountant, trust officer or other professional advisor, strongly urge them to
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I was working with an advisor recently who is involved in a typical situation; given the current economic environment, he has a client who is struggling to, or at least questioning if he should, pay his
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What is this? 

The Uniform Prudent Investors Act (UPIA) requires an investment policy statement (IPS) for trust owned investment to comply with fiduciary standards.  It seems self evident
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After the WSJ article in which I was quoted came out, a gentleman in the industry sent me a question via www.opportunityconcepts.com.  His question was:

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Once more, a national finance columnist has reached out to me as an expert on life insurance issues. Arden Dale’s piece in today’s The Wall Street Journal (05/26/2009) was driven by
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