Results for "life insurance"

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State fiduciary rules may be reckoning for life insurance industry

January 19, 2018

The life insurance industry escaped the jaws of the Department of Labor fiduciary rule only to come face to face with another beast: the states. New York's recent proposal to impose a best-interest standard on life-insurance sales — a higher...

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...

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...

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...

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...

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...

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...

Advisers fear private equity's reach into VAs

December 20, 2017

Editor's note: This story has been updated with information about the sale of Voya Financial's annuity business. Financial advisers have expressed alarm over recent reports of insurers looking to offload large blocks of variable annuities to...

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...

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 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...

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...

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...

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...

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...

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...

New life insurance study debunks 'buy term, invest the difference'

July 28, 2015

For decades, the rallying cry of the financial advice industry has been for clients to buy inexpensive term life insurance rather than more expensive whole life insurance and invest the premium savings on their own. The only problem is most...

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...

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”...

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