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...

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...

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...

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...

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...

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...

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...

Don't just rely on life insurance illustrations

March 18, 2016

CPAs, tax attorneys and trustees are the gatekeepers for the most-coveted clients and prospects. High-net-worth individuals look to these fiduciaries for advice, even when questions may be outside their specific areas of expertise, because their...

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...

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...

Hartford deals individual-life unit to Prudential as sell-off continues

September 27, 2012

The Hartford Financial Services Group Inc. has whittled away yet another of its businesses, this time selling off its individual-life-insurance business to Prudential Financial Inc. In an announcement late Thursday, the insurers announced that...

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...

Legacy planning is not just for the rich and famous

January 28, 2016

Many of us will remember the Barbra Streisand song “The Way We Were” and the verse “Memories light the corners of my mind.” When we think of family and the next generation, we want those memories to be positive and not locked away in...

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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