Results for "life insurance"

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Private placement life insurance: A primer

October 27, 2017

For the past several years some hedge funds have not met the expectations of investors. As a result, RIAs and wealth managers have recommended other investment options such as direct lending, private equity credit and mezzanine funds which in...

Don't forget secondary market for life insurance

October 24, 2017

With many Americans struggling to meet their retirement income needs, it is unfortunate that valuable assets may not be properly utilized in retirement planning. Assets like home equity and life insurance are often neglected in the planning...

Fill the Gaps of Special Needs Financial Planning

October 16, 2017

Across the United States, one in five children and adults — 65 million people — will experience a special need or disability during their lifetimes.1 Without assistance from government programs, non-profit organizations or employers, caregivers...

How to pay for long-term care? Several funding options exist

October 9, 2017

Roughly half of Americans turning 65 today will require long-term care. As life expectancy continues to rise and the cost of care creeps up, there's a growing need for financial advisers to be knowledgeable about long-term-care funding mechanisms...

Manulife cites 'challenging' businesses amid spinoff talk

August 10, 2017

Manulife Financial Corp., Canada's largest life insurer, acknowledged that it has poorly performing books of business amid speculation that the company is seeking to exit its John Hancock operation in the U.S. "We have some challenging blocks...

Indie BD managing $520 million becomes OSJ

July 18, 2017

HBW Securities, an independent broker-dealer based in Simi Valley, California, is giving up its broker-dealer status and becoming an office of supervisory jurisdiction with Cetera Advisor Networks. HBW's 55 affiliated financial advisers and...

How much life and disability is enough?

June 11, 2017

Veronica is a 33-year-old professional with a family, earning $150,000 a year. If she works until 75, she'll earn between $13 million and $20 million over 42 years (with 3% to 5% average annual increases). Veronica's human life value will be...

How to define yourself as a life insurance adviser

April 7, 2017

Over the course of my career, I learned that if I didn't define myself, then I was defined by what others said about me. Life insurance advisers distinguish themselves as advisers by first defining their role and responsibilities on the planning...

Help clients boost returns without increasing risk

April 3, 2017

Private placement life insurance and private placement variable annuities have grown in popularity among financial professionals seeking tax-efficient investment vehicles for their affluent clients. These products enable investors to defer or...

Rules governing indexed universal life insurance may not go far enough

March 20, 2017

New rules designed to curb overly rosy policy return illustrations, the primary sales tool used to sell indexed universal life insurance, seem to be having their desired effect, but they may not go far enough. The rules, Actuarial Guideline...

6 essential ingredients to life insurance advice

March 14, 2017

There's never been a better time to provide life insurance advice. Guiding clients through a proven decision-making process to products in their best interests can be a terrific way to build a business. Advice differs from product sales in that...

There's never been a better time to provide life insurance advice

February 10, 2017

I've never seen a better time to advise clients about life insurance. With insurers increasing costs with increasing frequency and performance consistently disappointing clients' expectations for decades, clients need help with this last, largest,...

Elizabeth Warren investigating sales of Prudential insurance policies by Wells Fargo

December 14, 2016

Sen. Elizabeth Warren sent a letter to the chief executive of Prudential Financial Inc. seeking information on sales of life insurance policies through Wells Fargo's retail bank channels, in a continuation of the ongoing investigation into the...

Prudential halts some insurance sales through Wells Fargo after ex-employees' whistleblower lawsuit

December 12, 2016

Prudential Financial Inc. announced Monday that it would halt distribution of some term life insurance policies through Wells Fargo's retail bank, following a lawsuit filed by Prudential employees alleging they were fired for blowing the whistle...

China Oceanwide agrees to buy Genworth for $2.7 billion in cash

October 24, 2016

China Oceanwide Holdings Group Co. agreed to buy Genworth Financial Inc. for $2.7 billion in cash, pledging to help the U.S. firm manage its debt and strengthen life insurance units after it was hurt by higher-than-expected losses tied to long-term...

Use fee compression as an opportunity to address life insurance concerns

October 7, 2016

Fees are tumbling in the investment advisory services industry, and the forces putting them under pressure aren't about to let up, according to a new survey. The Money Management Institute and Dover Financial Research recently conducted the...

Nationwide to buy Jefferson National

September 28, 2016

Nationwide has agreed to buy Jefferson National, a distributor of variable annuities for clients of registered investment advisers. The acquisition, which expands Nationwide's ability to sell financial products through Jefferson National's network...

Top 20 life insurance firms ranked by direct premiums, market share

September 18, 2016

Life insurance companies ranked by direct premiums Company 2015 total direct premiums ($M) Market share 1 MetLife $12,530.1 8.14% 2 Northwestern Mutual $10,089.5 6.55% 3 New York Life $8,740.2 5.68% 4 Purdential of America $8,593.8 5.58% 5 Lincoln...

Now is the time to talk to clients about life insurance portfolio management

September 9, 2016

There's never been a better time to talk to clients, prospects, advisers and centers of influence about life insurance portfolio management. Both the New York Times and the Wall Street Journal published articles just last month about “skyrocketing”...

Too many people kept in the dark about life insurance costs

August 16, 2016

One of the industry's largest life insurance companies recently filed a motion for secrecy in a lawsuit against them for allegedly singling out and charging certain policyholders substantially more for the cost of insurance. This is another...

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