More from Insurance
Growing while protecting
Bryan Borzykowski / August 11, 2010In a perfect world clients would see their returns skyrocket without putting their capital at risk. But life's not perfect.
Beginning the succession discussion
David Wm. Brown / August 05, 2010After helping clients with their financial, estate and retirement planning, advisors often have a strong relationship with their clients.
Benefits benchmarking
Dave Jones / July 29, 2010A generation ago, benefits plans were a different animal. One-size-fits-all plans were the norm and the offloading of health costs by governments had yet to begin in earnest. Employers offered simpler plans for a simpler world.
Doubt and designations
David Wm. Brown / July 12, 2010The recent spotlight on financial products hasn’t been limited to complex mortgage-backed products. Insurance-based products have had their share of recent attention, especially when it comes to beneficiary designations.
WL or UL? Depends on the client
Kate McCaffery / July 07, 2010The question of whether a client belongs in a universal life policy or a whole life policy is complicated by a few different facts and factors these days. Some advisors have their preferences, people have their own ideas, sometimes their own misconceptions, and even markets today are influencing opinion about each product.
Hedging against uninsurability
Steven Lamb / July 07, 2010When it comes to insurance sales, some clients may be inclined to avoid the "bells and whistles" that are available on their policy, believing they are simply being up-sold. But the benefits of some riders deserve serious consideration, as they can save the client a great deal of aggravation down the road.
A client's dreams define their risks
Scot Blythe / July 07, 2010Insurance advisors may well have a template to cover off obvious insurable risks for their clients. Often those risks involve some projection of future financial security.
U.S. may soon regulate Indexed Annuities as insurance products
Alan Prochoroff / June 29, 2010It will take an act of Congress but insurers could be very close to getting what they've been seeking for the last two years — a declaration that equity indexed annuities will be regulated as insurance products, and not as securities.
Preventing beneficiary disputes
David Wm. Brown / June 29, 2010The recent spotlight on financial products hasn’t been limited to complex mortgage-backed products. Insurance-based products have had their share of recent attention, especially when it comes to beneficiary designations.
Life settlements: Investing in mortality
Scot Blythe / June 25, 2010There's a relatively new product out there for pension plans and high-net worth investors seeking stable returns with relatively low volatility. It comes with a hitch, however. It cashes in on death.
