Results for "life insurance"

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Alphabet soup is hot, and clients will pay more for those letters

July 16, 2018

Say what you will about the expansive alphabet soup of financial-planning credentials and designations, but new research shows consumers are migrating toward those advisers with letters listed after their names. "We found that consumers value...

SEC charges insurance agent with $1.27 million Ponzi scheme

June 22, 2018

The Securities and Exchange Commission has charged James Hocker, a Bellefonte, Penn., insurance agent, with engaging in a Ponzi scheme that targeted unsophisticated retail investors. After selling insurance policies, according to the SEC's complaint,...

Why the super wealthy may want to fund life insurance with a loan

June 22, 2018

Wealthy clients looking to use life insurance in their estate plans may find that funding their policies with a loan makes sense, especially as interest rates are still relatively low. The goal is to exploit low interest rates to get a cheap...

MetLife, Brighthouse sued for $500 million over missing pensioners

June 20, 2018

MetLife Inc. and Brighthouse Financial Inc. have been sued for failing to pay at least $500 million in retirement benefits over the past 2½ decades to thousands of pension plan participants. In December, MetLife disclosed that it had failed...

The magic in talking about cost

April 9, 2018

I recognize there can be a natural hesitation in talking about fees and costs in the financial services business. After all, talking about costs puts costs front and center in the mind of a client, which in turn places front and center the risk...

Blackstone woos wealthy with tax-free hedge fund

May 29, 2018

Blackstone Group has an enticing pitch for the ultra wealthy: Invest in hedge funds and avoid paying taxes forever. The private-equity firm's Lombard International is leading the charge to promote exclusive insurance vehicles that can contain...

Life insurance 'advice' in an era of fake news

February 14, 2018

Fake news is an opinion presented as if it were fact. It's driven by both the high demand for content to fill the 24-hour news cycle on hundreds of cable channels and the supply of content from anyone with an opinion they can present in a blog...

Insurers becoming more stringent with long-term-care policies

May 11, 2018

Insurers are getting pickier about who qualifies for a long-term-care insurance policy — good news for the long-term health of an otherwise ailing industry, but potentially bad news for clients who find it harder to qualify for coverage. Companies...

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...

Technology is streamlining the process of issuing life insurance policies

January 10, 2018

Life insurance is undergoing a renaissance of sorts. The industry is slowly transforming from one entrenched in the old-age archaism of paper and manual processes to one embracing digital technology and artificial intelligence, which benefits...

Insurers are selling off old annuity business — what advisers need to know

May 23, 2018

Insurance companies have been selling old blocks of annuity business at a rapid clip, and it's likely the quick pace of transactions will continue at least through this year and possibly beyond. This could ultimately be bad news for policyholders...

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...

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...

New York State proposes 'best interest' standard for life insurance and annuities

December 27, 2017

New York State's top financial watchdog proposed regulations that would require sellers of life insurance and annuities to act in the best interest of clients, raising standards even as the U.S. government delays its fiduciary rule. Products...

Advisers shouldn't sweat MetLife's U.S. retail split

January 13, 2016

Advisers shouldn't make too much of MetLife's plan to divest a portion of its U.S. retail operations, including large blocks of its variable annuity and life insurance business. Clients' in-force insurance policies would remain under the subsidiary...

Longevity is the best reason to invest in LTC

December 21, 2017

A majority of the population is going to need long-term care someday. It's seldom easy, however, to convince clients that they should protect themselves with LTC insurance just when they're enjoying a healthy middle age, with more immediate...

Critics say regulation hasn't curbed overly rosy projections for indexed universal life insurance

December 13, 2017

A regulation governing indexed universal life insurance policies has had a fairly limited effect, leading some observers to question whether the regulation went far enough and if more stringent rules are necessary. The rule, Actuarial Guideline...

Insurance vehicles can be powerful way for advisers to reach younger investors

December 16, 2014

For advisers who want to expand their firms by reaching out to the next generation of investors – those in their 20s, 30s or 40s – long-term and cross-generational financial vehicles such as fee-only life insurance and no-load annuities...

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