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The Motley Fool August 31, 2007 Dan Caplinger	Keep Life Insurance Simple Why make a useful tool more complicated than it needs to be? Life insurance is a helpful tool to have.
BusinessWeek May 10, 2004 Carol Marie Cropper	Premiums You Can Retrieve An old insurance product is back that refunds every penny paid in premiums if you outlive the 15-, 20-, or 30-year term of the policy.
Financial Planning June 1, 2005 Donald Jay Korn	Look Closer Optimistic projections and underwhelming returns have shown that variable universal life insurance must be recommended--and monitored--with caution.
Financial Advisor June 2005 Raymond Fazzi	VUL Sales Rebound After Prolonged Slowdown Companies hope that new features of variable universal life insurance will overcome buyers' concerns.
Registered Rep. March 15, 2011 Alan Lavine	Reps Turn To Equity Index Universal Life Insurance Reps are turning to index universal life insurance to bridge the risk gap between low-rate permanent life insurance and riskier variable universal life.
Registered Rep. November 20, 2012 Alan Lavine	Lock into Long-Term Care with Hybrid Policies Combining life insurance and annuities with long-term care policies can protect against premium hikes or the risk of never making a claim. Here's how to make sure they are right for your clients.
The Motley Fool April 22, 2009	Term Life vs. Cash Value Insurance Policies Make sure you're getting the right insurance protection for your family.
Registered Rep. October 17, 2011 Alan Lavine	Tune Up: Sometimes It Makes Sense to Exchange a Client's Life Insurance Policy Today's life insurance policy may provide more benefits at a lower cost than coverage purchased more than a decade ago.
Financial Advisor January 2009 Mary Rowland	Getting The Most From No-Lapse Coverage No-lapse universal life keeps growing, but few understand these policies.
The Motley Fool March 28, 2005	What Happens If You Can't Work? Know what to look for in disability insurance.
The Motley Fool July 18, 2006 Buz Livingston	Return This to Sender Beware of return-of-premium riders on term life insurance.
The Motley Fool December 5, 2008 Dan Caplinger	Can You Afford This Bailout? Companies including MetLife, Manulife Financial's John Hancock division, and Genworth Financial have increased long-term care premiums -- increases that many policyholders never expected to see.
The Motley Fool December 29, 2006 Ryan Fuhrmann	A Closer Look at Insurance Stocks Insurance companies provide an invaluable service by allowing individuals to pool and share risk. The challenge for investors is locating companies with proven abilities to profitably navigate an uncertain future.
Registered Rep. June 1, 2006 Kevin McKinley	Premium Option When financial advisors start offering life insurance to their clients, they soon learn how wide the divergence is between term and permanent policies. Permanent policies are much more lucrative for advisors and provide some cash for clients during their lifetime.
The Motley Fool October 30, 2006 Tim Beyers	Foolish Advice on Life Insurance Life insurance seems simple. And it should be. But more and more agents are selling complex, commission-boosting products that do little for consumers. Be cautious and buy only the minimum.
The Motley Fool November 4, 2011 Robert Brokamp	Give Your Life Insurance a Checkup Are you getting the right amount of life insurance?
Registered Rep. January 18, 2011 Alan Lavine	Insurers Raising Premiums, Changing Terms on Long-term Care Policies If you're selling long-term care insurance to clients, it's best to stay away from carriers with a history of raising premiums or discontinuing other types of insurance coverage.
Entrepreneur March 2010 Rosalind Resnick	Get the Most Out of Life Knowing what you're getting into with life insurance will prevent you from overpaying - and from being underinsured.
Registered Rep. July 18, 2011 Alan Lavine	Considering Life Insurance for Single Clients More than half -- 54 percent of single men and 58 percent of single women -- lack life insurance coverage.
Financial Advisor June 2004 Raymond Fazzi	When VUL Lapses One of the problems the bear market left in its wake is a rash of variable universal life policies that are underfunded.
BusinessWeek February 21, 2005 Peter Coy	Scared To Death Of Life Insurance Choosing the amount of coverage is hard. The trick is to think like an economist.
Financial Planning April 1, 2011 Ingrid Case	Crisis Brewing Many long-term care policy owners received uninsulated surprises recently -- substantial rate increases from carriers including MetLife, John Hancock and TransAmerica. What alternatives can planners suggest to clients?
Financial Planning August 1, 2008 Donald Jay Korn	You Bet Your Life Financial planning clients that no longer want to pay premiums for life insurance traditionally stopping premium payments or surrendered the policy to receive any cash value. Recently, yet another path to liquidity has opened: life settlements.
Financial Advisor June 2009 Raymond Fazzi	VUL Slides With Market Variable universal life continues to be the black sheep of the life insurance product family.
Entrepreneur May 2005 Scott Bernard Nelson	Safety Net? Insurance companies are offering plans that move beyond traditional long-term care. But do they really protect the entrepreneur's assets?
The Motley Fool March 4, 2004	Term vs. Cash Value Insurance Don't spend more than you need to on insurance. Deciding if you need term life or cash value insurance.
Entrepreneur December 2004 Jacquelyn Lynn	Live Long and Prosper One of the hottest life insurance products on the market right now is Return of Premium. If you insure your key employees or buy-sell agreements, you might want to consider this option.
The Motley Fool August 3, 2007 Dan Caplinger	When to Buy Long-Term Care Insurance Long-term care insurance pays out financial benefits to help you pay the expenses of nursing homes and home health care. Should you buy now, wait, or just skip the whole thing?
The Motley Fool February 1, 2005	Long-Term Care Insurance Tips If you're in the market for long-term care insurance, good for you! It's not something to ignore, and many of us would be smart to get it.
Financial Planning December 1, 2009 Donald Jay Korn	Prudent Policy Agents should help their clients reevaluate their insurance policies at the end of every year.
Financial Advisor June 2008 Bruce W. Fraser	VUL: Pros And Cons When your clients are facing one of the more turbulent markets in recent memory, should you be recommending variable universal life insurance to your clients?
Registered Rep. November 15, 2011 Alan Lavine	A Good Marriage: Life Insurance and Annuities What do you get when you splice together a life insurance policy and an immediate annuity? A reversionary annuity. Yes, that's a mouthful, but it carries some of the advantages of each and is ideal for certain kinds of clients.
The Motley Fool April 23, 2009	Why You Need a Renewable Term Life Policy How to attain ongoing life insurance coverage regardless of your health.
Reason March 2009 Ronald Bailey	Pay Up A new study, by economists at Brigham Young University, the Brookings Institution, and the National Bureau of Economic Research, found that community rating raises premiums by 10 percent to 17 percent for individual policies and by 21 percent to 33 percent for family policies.
The Motley Fool February 4, 2004 Dave Braze	Creating a Comfy "Income Cushion" How much should a retiree keep in cash?
AskMen.com December 10, 2000 Luis Rodrigues	Retire Rich... Really Rich If you want to retire rich or plan on retiring a little earlier than the average Joe, it's time to evaluate your situation. Unless you were lucky enough to be a blue blood or you won the state lottery, chances are that you'll have to do some careful financial planning to meet your goals...
The Motley Fool February 26, 2007 Dan Caplinger	Spring Cleaning for Your Investments Just as getting rid of some unnecessary junk around the house can be good for your personal well-being, taking a critical look at your investments from time to time is extremely valuable.
The Motley Fool December 4, 2006 Emil Lee	Insurance Industry Basics: Premiums What are they, and how do they work? Like great value investors, great insurance companies do business only when risk-adjusted returns are favorable.
Registered Rep. August 19, 2014 Alan Lavine	The Hidden Costs of Partial Premium Payments Pay careful attention to the hidden interest charges your clients are paying on their insurance policies -- they are higher than you think.
BusinessWeek July 14, 2003 Lewis Braham	Is Your Policy Getting Zapped? Swapping insurance coverage may get you out of the jam.
Registered Rep. October 1, 2002 Pamela J. Black	The Pros and Cons of Annuities With retirement accounts battered by the bear market, guaranteed income from a fixed annuity now has more appeal, especially for clients who may be too close to retirement to count on a rebound from equity markets alone. This article surveys types of annuities, tax implications, and fees.
The Motley Fool September 11, 2009 Dan Caplinger	This New Product Could Save Wall Street Financial institutions move to securitize life insurance. In this case, what's good for securities underwriters may be bad for life insurance companies.
The Motley Fool August 9, 2004	Life Insurance: Term vs. Whole For most of us, term life insurance is enough -- here's why.
The Motley Fool October 10, 2007 Dan Caplinger	The Worst of Both Worlds Low returns and inflexible investments have made whole life insurance obsolete. Before you buy whole life, take a look at your other options, odds are, you'll find one that's better for you.
The Motley Fool December 12, 2006 Emil Lee	Insurance Industry Basics: Combined Ratio Investors who buy insurance companies with low long-term combined ratios should eventually be rewarded with superior investment returns. Just ask Warren Buffett.
The Motley Fool December 8, 2010 Bryan Hinmon	5 Manufactured High Yielders How to create a high yield on your stocks with call options.
Registered Rep. July 1, 2006 Janet Arrowood	In Search Of Guarantees Consumers are taking a different approach to life insurance lately. While they may invest in stocks as they always have, even as they grow older, they increasingly look to eliminate risk and uncertainty from the life insurance products they buy.
Financial Planning July 1, 2011 Jay J. Freireich	Earning Trust Financial planners can protect clients asked to manage a trust by advising them to review the responsibilities with their own lawyers to ensure that they understand the risks.
CFO May 15, 2012 David McCann	Key-Person Insurance: A Cash-Flow Caveat Classifying premiums paid on company-owned life insurance policies as an operating use of cash can distort operating and free cash flows, says a new study.
Registered Rep. October 21, 2014 Alan Lavine	Should You Use Term Insurance for Younger Clients? Financial advisors often favor term insurance for young couples. The cost savings over permanent life can be used to fund other financial planning needs.